Banking Operation

JOB DESCRIPTION Position Title: Supervisor, Credit and AML/ATF Analysts Status: Full Time – Work from Office Hours: Monday – Friday, 9:00am - 8:00pm EST Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Team Management: • Supervise and lead a team of Credit Analysts and AML/ATF Analysts. • Provide guidance, training, and support to team members to ensure high performance and professional development. • Conduct regular team meetings to review performance, address issues, and communicate updates. Fraud and Credit Risk Review: • Oversee the review of new applications for fraud and credit risk, including outbound calls for fraud and employment verification. • Supervise real-time analysis of conversations with applicants to assess potential fraud risk. • Ensure documentation and approval requirements are based on analysis of credit policies. Credit Management: • Administer and control credit terms and limits. • Perform credit limit reviews, reinstatements, and account maintenance. • Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability. Customer Interaction: • Communicate directly with applicants, adhering to brand standards. • Liaise effectively with other areas impacting the Credit Department. • Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: • Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. • Ensure high levels of accuracy in report maintenance and tracking. Alert Review and Investigation: • Investigate accounts and internet sources to determine cardholder eligibility as Politically Exposed Persons/Foreign Persons (PEP/PEFP). • Conduct thorough investigations to make determinations related to the Suppression of Terrorism and Economic Sanctions (SOT). • Review and analyze unusual transactions that may qualify for reporting under the Prevention of Money Laundering Act (PMLA) guidelines. Data Analysis and Reporting: • Analyze data quickly and efficiently to identify potential risks and ensure compliance with AML/AFT regulations. • Maintain a high level of accuracy in report maintenance and tracking, ensuring all findings are documented and reported appropriately. Compliance and Risk Management: • Ensure all activities are conducted in compliance with relevant AML/AFT legislation and internal policies. • Collaborate with other departments to address and mitigate identified risks. Qualifications and Requirements: Educational Background: • Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: • Minimum of 5 years of experience in credit and AML operations or related fields. • Previous supervisory experience in the financial sector is an asset. • Fluent in English; proficiency in French is an asset. Skills and Competencies: • Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. • Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. • Ability to communicate tactfully with various levels of business management in a professional manner. • Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. • Demonstrated ability to implement change efforts. • Highly motivated with the ability to work independently in a fast-paced team environment. • Knowledge of PCs and strong keyboarding skills. • Proficiency in MS Word, Excel, and Outlook is an asset. • TSYS/ADM system knowledge is an asset. • Flexibility and willingness to work overtime as required. Additional Information: • This role requires rotational shifts, which may include evenings, weekends, and holidays. • The position offers opportunities for professional growth and development within the Credit Card Operations department.