Anti Money Laundering Currency Transaction Report Risk Specialist

Anti Money Laundering Currency Transaction Report Risk Specialist

The Senior Associate, AML CTR Risk Specialist, is a vital contributor responsible for managing the daily operational flow, system integrity, and governance framework for Currency Transaction Report (CTR) filing processes. This role ensures operational efficiency, maintains high-quality data and system performance, and drives continuous process improvement within the anti-money laundering (AML) CTR function.

Responsibilities:

1. CTR System Support

• Product & System Support Liaison: Serve as the bridge between the CTR Compliance/Operations teams and the Product, Technology, and Data teams. This includes managing the daily flow of information, translating operational needs into technical requirements, and communicating system impacts back to operations.
  

• System Incident & Enhancement Coordination: Engage in discussions regarding daily incident triage for the CTR filing system and coordinate resolution efforts across Operations, Governance, and Technology teams. Facilitate the successful execution of User Acceptance Testing (UAT) and coordinate system releases for product enhancements.
  

• Data Integrity Oversight: Partner directly with Product, Technology, and Data teams to monitor and troubleshoot automated CTR aggregation rules and data feed issues. Ensure cross-system consistency and collaborate on technical resolutions to maintain the accuracy and integrity of CTR filing data.
  

2. Governance & Oversight

• Compliance Monitoring: Maintain the integrity of CTR policies, procedures, and controls; assist in periodic testing and internal audits to ensure compliance with Bank Secrecy Act (BSA) regulations.
  

• Documentation: Maintain up-to-date procedural documentation and internal training materials related to CTR filing and operations.
  

• Escalation: Serve as the point of contact for CTR operational issues, escalating potential regulatory risks or significant data anomalies to senior management.
  

3. Process Management & Improvement

• Process Mapping: Map and document current-state operational processes for CTR generation, review, and filing to identify bottlenecks and control gaps.
  

• Optimization: Lead small-to-medium process improvement initiatives to enhance efficiency, reduce manual effort, and improve report quality.
  

Basic Qualifications:

• High School Diploma, GED or equivalent certification

• At least 2 years of experience in financial services, compliance operations, or risk management

• At least 2 years of experience in Process Management or Project Management
  

Preferred Qualifications:

• Strong verbal and written communication skills, with the ability to articulate complex technical issues to a non-technical audience

• Demonstrated knowledge of BSA/AML regulations, specifically concerning CTR requirements and aggregation rules

• Proven ability to work with large datasets and technical systems, including basic data analysis skills (e.g., using Excel, SQL knowledge is a plus)

• Experience in process mapping and documenting operational workflows
  

• A strong analytical mindset with a track record of identifying operational inefficiencies and proposing solutions
  

• Certification or coursework in process improvement methodologies (e.g., Lean, Six Sigma) is highly desirable
  

• Experience providing technical support or acting as a liaison between business operations and technology teams

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

Chicago, IL: $87,700 - $100,100 for AML Sr. Investigator II

McLean, VA: $96,500 - $110,100 for AML Sr. Investigator II

Plano, TX: $87,700 - $100,100 for AML Sr. Investigator II

Richmond, VA: $87,700 - $100,100 for AML Sr. Investigator II

Wilmington, DE: $87,700 - $100,100 for AML Sr. Investigator II

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.

No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at [email protected] . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to [email protected]

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Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).