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:
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-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:
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-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:
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-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:
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-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:
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-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:
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-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:
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-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:
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-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:
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-Bachelor's degree in Finance, Business Administration, or a related field preferred.
Experience:
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-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:
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-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:
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-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.
