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About the Role

As an AML Analyst, you will play a key role in the Second Line of Defense, executing daily Anti-Money Laundering (AML), Anti-Terrorist Financing (ATF), and Sanctions compliance programs. You will be responsible for transactional analysis, customer due diligence, and regulatory reporting to ensure the safety of the organization and its customers.

Responsibilities

• Perform daily monitoring of Electronic Funds Transfers (EFTs) to identify patterns indicative of money laundering, terrorist financing, or sanctions evasion.
• Conduct thorough investigations into unusual activity and prepare detailed case files for escalation.
• Analyze screening results for Sanctions, PEP, and adverse media matches.
• Evaluate the effectiveness of transaction monitoring rules and suggest adjustments based on trends.
• Execute Enhanced Due Diligence (EDD) and Specialized Enhanced Due Diligence (SEDD) for high-risk customer profiles.
• Review Know Your Customer (KYC) documentation for completeness and accuracy.
• Act as a point of contact for onboarding inquiries and manage KYC/CDD exceptions.
• Maintain organized records of customer risk assessments and due diligence findings.
• Draft Suspicious Transaction Reports (STRs) for submission to FINTRAC.
• Assist in the preparation and filing of Electronic Funds Transfer Reports (EFTRs).
• Support the Director in gathering documentation for regulatory examinations, internal audits, and subpoenas.
• Track remediation actions resulting from audits or internal reviews.
• Update AML/ATF procedures and training materials.
• Track employee completion of mandatory compliance training.

Requirements

• Foundational understanding of AML/ATF laws (PCMLTFA), Sanctions, and the RPAA.
• Strong ability to review complex transaction data and identify emerging risks.
• Precision in assessing regulatory reporting obligations and reviewing legal documentation.
• Clear written and verbal communication skills.
• Proactive approach to identifying potential financial crime.

Skills

• Transaction monitoring
• Financial crime investigation
• Customer due diligence (KYC/EDD)
• Regulatory reporting
• Data analysis
• Risk assessment

Location

• Toronto, Canada

Work Type

• Full-time
• Hybrid

Salary/Compensations

• 60,000 - 85,000 CAD

Benefits

• Competitive salary
• Performance bonus
• Generous vacation
• Summer Fridays
• Health and dental benefits
• Wellness spending account
• Retirement savings matching plan
• Quality hardware provided
• Parental leave top-up program
• Birthday day off
• Quarterly socials
• Volunteer days

About the Company

• Leading fintech company focused on simplifying payments in Canada.
• Established in the early 2000s.
• Specializes in direct bank account payments, bypassing credit cards and e-wallets.

Equal Opportunity

• Paramount Commerce is an equal opportunity employer committed to ethical and fair hiring practices.
• We encourage applications from all backgrounds and perspectives.