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At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

We are seeking a highly skilled and motivated individual to lead the Emerging Risk Analytics (ERA) function within the Financial Intelligence Unit (FIU) Strategic Analytics Team (SAT). This position will play a critical role in ensuring the Bank’s AML/BSA compliance program is appropriately aligned to the rapidly evolving financial crimes environment. The team you lead will partner across Enterprise Financial Crimes Compliance (EFCC) to evaluate internal and external financial crimes intelligence for opportunities to refine our detection of unusual or suspicious activity. The individual will need to possess strong leadership abilities, expertise in data analytics, and familiarity with financial crimes investigations. This position does not have direct reports but acts as a leader to junior analysts aligned to the Emerging Risk Analytics function.

Responsibilities

+ Lead the Emerging Risk function, collaborating closely with various departments to evaluate intelligence and identify AML monitoring gaps.

+ Review Law Enforcement tips, such as FINCEN alerts, to develop reports covering AML red flags.

+ Analyze internal and external referrals of potentially suspicious activity (e.g. branch referrals, subpoenas) to identify AML trends or coverage gaps.

+ Develop data reporting to identify potential AML risks based on intelligence assessments.

+ Monitor ERA reports to determine if and when they should be incorporated into the BAU transaction monitoring program.

+ Partner with FIU Monitoring Management & Development team to incorporate ERA reporting into BAU transaction monitoring when appropriate.

+ Ensure evaluations of risks and decisions are appropriately supported and documented.

+ Act as a leader and mentor to Emerging Risk analysts, guiding their work and providing support.

+ Own the Emerging Risk Analytics function, distributing tasks and ensuring the quality and timeliness of work.

+ Report progress and findings to management, highlighting key AML risks and recommendations.

Basic Qualifications

- Bachelor’s degree in a quantitative field, and 10 or more years of relevant experience

OR

- MA/MS in a quantitative field, and six or more years of related experience

OR

- PhD in a quantitative field, and five or more years of related experience

Preferred Skills/Experience

+ The ideal candidate should be self-driven, organized, and innovative, with exceptional leadership skills and a deep understanding of financial crimes, specifically AML risks. They should be able to guide and mentor junior analysts, effectively manage the Emerging Risk function, and contribute to the overall success and responsiveness of the bank's AML/BSA compliance program.

+ Direct experience in financial crimes investigations strongly preferred

+ Familiarity with anomaly detection and semi-supervised learning algorithms

+ Experience with reporting/visualization tools such as Tableau or PowerBI

+ Bachelor’s degree in Data Science, Finance, or related field is required; advanced degree preferred

+ Strong leadership skills to build and formalize processes

+ Strong analytical skills to evaluate processes and findings

+ Expertise in statistical data analytics

+ Extensive knowledge of financial crimes, AML, or fraud investigations

+ Experience with analysis tools including Python/R, SQL, and SAS

+ Ability to mentor and guide junior analysts

+ Excellent communication and collaboration abilities

_NOTE: This role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days._

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

E-Verify

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $126,820.00 - $149,200.00 - $164,120.00

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.