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About this role:Wells Fargo is seeking a Senior Lead Financial Crimes Officer to join Financial Crimes Risk Management's (FCRM) Commercial Banking (CB) Business Advisory team. Learn more about the career areas and business divisions at wellsfargojobs.com . This team sits in the second line of defense and is responsible for providing independent oversight, challenge, and advisory of the financial crimes programs applied across CB and its customer base. The Senior Lead will engage with frontline and other risk teams on the development, implementation, and oversight of customer due diligence program execution of complex business-specific activities involving Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Assets Control (OFAC), and Anti-Bribery & Corruption (ABC). Commercial Banking Business Advisory engages with relationship support functions covering CB, along with risk partners from FCRM peer teams, including Compliance, Control, Legal, and others regarding risk management. This position is a senior individual contributor and may lead efforts and mentor but does not manage other team members.
In this role, you will:- Provide financial crimes expertise and guidance for CB related due diligence activities to ensure adherence to policy requirements and risk mitigation expectations.
- Provide oversight to customer due diligence execution outcomes for CB clients and challenge business risk tolerance. This includes (but is not limited to):
- Engage on escalations involving complex onboardings, negative news and screening alerts, transaction risks, and other heightened KYC activities.
- Engage on elevated risk matters driven by product usage inclusive of credit, treasury management, and specific focus on CB-owned Trade Finance products.
- Provide second-line engagement with enterprise AML/Sanctions program, policies and procedures. This includes (but is not limited to):
- Provide guidance on heightened risk customer types such as payment intermediaries, gaming, PEP exposure, or virtual currency entities.
- Execute second line's own deliverables associated with AML/Sanctions enterprise high-priority matters.
- Based on emerging AML/Sanctions typology risks, partner with financial crimes investigations and intelligence teams to dimension risk exposure and recommend mitigating actions.
- Continuously monitor CB's financial crimes risk environment, and identify and escalate financial crimes risk matters to management and risk forums as appropriate.
- Work cross-functionally with both frontline risk teams, financial crimes operations teams, and second line teams on solutions, and strategic objectives.
- Engage in-business risk and second line teams on net-new and ad hoc initiatives, deliverables, and risk matters as needed.
Required Qualifications:- 7+ years of Financial Crimes, Operational Risk, Fraud, Sanctions, Anti-Bribery, Corruption experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:- 5+ years of experience in Financial Crimes Risk Management, specifically in regulatory expectations, customer due diligence requirements, and controls.
- 5+ years of experience in risk management (including compliance, financial crimes, operational risk, audit and legal).
- 5+ years of experience in managing and accessing elevated financial crimes scenarios driven from customer due diligence, screening or investigations activities.
- Experience with financial crimes requirements and due diligence execution involving Commercial Banking lines of businesses, products, and target customer bases.
- In-Depth experience Identifying, mitigating, and consulting around financial crimes risks and client risk appetite.
- Experience successfully influencing, leading, and negotiating with executives, senior business leaders and partners to gain commitment to accomplish business goals.
- Strong understanding of policies, procedures, and programs to ensure appropriate and effective risk mitigation controls are in place.
- Experience creating presentation decks for different audiences that can outline/highlight the topic in a clear and concise manner.
- Analytical skills with the ability to grasp complex business issues quickly and be able to successfully explain to an independent third party.
- Excellent verbal, written, and interpersonal communication skills.
- Ability to work independently, prioritize, meet deadlines and work under pressure in a dynamic and complex environment.
Job Expectations:- This position offers a hybrid work schedule.
- Willingness to work onsite at stated location on the job posting.
- This position is not eligible for VISA sponsorship.
Posting Locations:
401 S Tryon Street, Charlotte, NC
250 E John Carpenter Frwy, Irving, TX
600 S 4th Street, Minneapolis, MN
800 S Jordan Creek Pkwy, West Des Moines, IA
114 N Beaumont Street, Saint Louis, MO
1150 W Washington Street, Tempe, AZ
Pay RangeReflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
$144,400.00 - $300,000.00
Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
- Health benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
Posting End Date:4 Jun 2025
* Job posting may come down early due to volume of applicants. We Value Equal OpportunityWells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Applicants with DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol PolicyWells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
