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Tata Consultancy Services Limited
AML Analyst
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Job Description
Key Responsibilities 1. Alert Review & Analysis
- Review AML alerts generated in FCRM, identifying potential red flags such as structuring, high-risk/high-volume transactions, unusual patterns, or significant changes in customer behavior.
- Analyze the alerted activity along with 30 days of recent account activity to determine context, identify patterns, and assess legitimacy. 2. Customer & Transaction Research
- Conduct detailed customer profile checks by validating information against internal records to understand expected account behavior. 3. Alert Disposition & Escalation
- Determine the appropriate outcome for each alert: o Close alerts deemed non-suspicious with thorough justification, or 4. Documentation & Reporting
- Document findings, analysis, and decision rationale in the required FCRM format, ensuring accuracy, completeness, and adherence to regulatory expectations.
- Maintain audit-ready records that support the investigative process and decision outcomes. 5. Compliance & Risk Management
- Ensure all reviews and decisions comply with the Bank Secrecy Act (BSA), OFAC requirements, internal AML policies, and relevant regulatory guidelines.
- Support continuous enhancement of AML processes by identifying gaps or patterns in suspicious activity. Required Qualifications & Experience
- Bachelor's degree in Finance, Business, Economics, Criminal Justice, Accounting, or related field (or equivalent experience).
- 2-4+ years of experience in AML, fraud, compliance, banking operations, or financial services.
- Experience with case management or transaction monitoring systems (e.g., FCRM) is preferred but not required. ________________________________________ Preferred Qualifications
- CAMS, CFE, or other compliance-related certification (in progress or completed).
- Prior experience in AML alert review, KYC, fraud investigation, or risk management.
TCS Employee Benefits Summary:
- Discretionary Annual Incentive.