AML Analyst, Client Due Diligence

  • Highlands Ranch, CO, USA
  • Full-time

Company Description

Visa operates the world's largest retail electronic payments network and is one of the most recognized global financial services brands. Visa facilitates global commerce through the transfer of value and information among financial institutions, merchants, consumers, businesses and government entities.

We offer a range of branded payment product platforms, which our financial institution clients use to develop and offer credit, charge, deferred debit, prepaid and cash access programs to cardholders. Visa's card platforms provide consumers, businesses, merchants and government entities with a secure, convenient and reliable way to pay and be paid in 170 countries and territories.

As the world’s leader in digital payments technology, Visa’s mission is to connect the world through the most creative, reliable and secure payment network - enabling individuals, businesses, and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s dedication to innovation drives the rapid growth of connected commerce on any device, and fuels the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce.

At Visa, your individuality fits right in. Working here gives you an opportunity to impact the world, invest in your career growth, and be part of an inclusive and diverse workplace. We are a global team of disruptors, trailblazers, innovators and risk-takers who are helping drive economic growth in even the most remote parts of the world, creatively moving the industry forward, and doing meaningful work that brings financial literacy and digital commerce to millions of unbanked and underserved consumers.

You’re an Individual. We’re the team for you. Together, let’s transform the way the world pays


Job Description

The Analyst, Client Due Diligence Team, will assist in executing the sanctions operations, client due diligence and acceptance program in line with stated AML / ATF / Sanctions policies and procedures. This includes the execution of client due diligence and acceptance reviews, identifying areas for improvement and making recommendations for effective AML and Sanctions compliance. This role will support the Director, Client Due Diligence Team, in providing AML subject matter expertise and guidance to Visa clients and businesses. 

Job Responsibilities

  • Conducts daily screening and review of Visa clients, vendors, and other entities against U.S. Treasury OFAC, United Nations, U.K. HM Treasury and European Union sanctions lists.

  • Execute the CDD Center program in accordance with AML Policies and Procedures.

  • Perform periodic AML / ATF client due diligence reviews of existing clients and applicants in accordance with the Global AML / ATF and Sanctions Policy and in the Client Due Diligence and Acceptance Procedures. 

  • Actively works with clients to identify potential AML program element gaps and remediation plans.

  • Perform ongoing monitoring of Visa clients.

  • Assist in developing metrics and reporting to identify Key Performance Indicators (KPI) and Key Risk Indicators (KRI) to management and other key stakeholders.

  • Ensure close communication and information sharing with Compliance colleagues.

  • Participate in AML/Sanctions and Compliance team meetings.


Basic Qualifications

  • 2 years of work experience with a Bachelors Degree or an Advanced Degree (e.g. Masters, MBA, JD, MD)

Preferred Qualifications

  • CAMS certification a plus.

  • At least 5+ years of implementing Anti-Money Laundering (AML), Anti-Threat Finance (ATF), Bank Secrecy Act (BSA), USA PATRIOT Act, and Sanctions programs.

  • Experience conducting research and analysis involving client due diligence requirements.

  • Excellent written, oral, presentation and interpersonal skills.

  • Familiarity with Financial Action Task Force (FATF) policies and regulations.

  • Working knowledge of global AML and sanctions regulations and regulatory expectations.

  • Excellent research and analytical skills.

  • Proficiency in MS Suite with advanced knowledge of MS Excel and PowerPoint.

  • Superior record keeping and organizational skills as well as attention to details.

  • Self-motivated and adept at working independently or in a team on multiple and varied tasks.

  • Ability to perform under pressure and capable of working collaboratively with employees throughout the company.

  • Bonus qualification: Chinese, Japanese language skills


Additional Information

Physical Requirements

This position will be performed in an office setting.  The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers, reach with hands and arms, and bend or lift up to 25 pounds.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.


All your information will be kept confidential according to EEO guidelines.


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