AML Analyst – Anti-Money Laundering & Sanctions Specialist

About the role

We are looking for an AML Analyst to join our fintech team in Canada. Reporting to the Director of the AML Financial Intelligence Unit, you will be part of the second line of defence, ensuring compliance with anti‑money laundering, anti‑terrorist financing and sanctions regulations.

Key responsibilities

• Monitor daily Electronic Funds Transfer (EFT) transactions and investigate suspicious activity, preparing case files for escalation.
• Analyze sanctions, PEP and adverse media screening results, clear false positives and escalate confirmed matches.
• Perform Enhanced Due Diligence (EDD) and Specialized Enhanced Due Diligence (SEDD) for high‑risk customers and review KYC documentation for completeness.
• Support onboarding inquiries, manage KYC/CDD exceptions and maintain accurate records of risk assessments.
• Draft and submit Suspicious Transaction Reports (STRs) to FINTRAC and prepare Electronic Funds Transfer Reports (EFTRs) in line with regulatory thresholds.
• Assist the Director in gathering documentation for regulatory examinations, internal audits and subpoenas, and track remediation actions.
• Contribute to the update of AML/ATF policies and procedures and support training initiatives.

Required profile

• Strong investigative mindset with the ability to analyse complex transaction patterns.
• Knowledge of Canadian AML regulations (PCMLTFA, RPAA) and FINTRAC reporting requirements.
• Experience conducting transaction monitoring, KYC/EDD reviews and regulatory reporting.
• Excellent written communication for preparing detailed case files and reports.

Required skills