About this role:

Wells Fargo is seeking a Lead business execution consultant in Financial Crimes Operations as part of Enterprise Functions

In this role, you will:

• Conduct deep due diligence research on high-risk customers and analyze customer transactions and demographic data points to identify new or emerging customer financial crimes risks, and/or customers presenting a heightened risk within a portfolio for financial intermediaries
• Evaluate moderate to high complexity customer to determine appropriate level of escalation and ultimate recommendation, in consultation with manager/team lead/reviewer.
• Work with 1,000s of rows and cells of data in Microsoft Excel to perform the analysis on datapoints ranging from geography to transactional values and volumes to relational data.
• Communicate findings and provide appropriate direction to manager/team lead/reviewer and business partners.
• Maintain organized and detailed documentation of review results or recommendations by following all established procedures/processes.
• Serve as an anti-money laundering/counter threat finance expert.

Required Qualifications:

• 5+ years of Business Execution, Implementation, or Strategic Planning experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Bachelor’s degree in business, Finance, Accounting, Economics.

• Strong understanding of AML frameworks, financial‑intermediary risks, and global regulatory expectations.
• Experience with transaction monitoring systems, case management tools, and KYC platforms.
• Ability to analyze data, identify patterns, and make risk‑based judgments.
• Proficiency in reviewing SWIFT/MT messages, wire transfers, payments, and correspondent banking flows (preferred).

• Ability to interpret complex financial flows and derive meaningful insights.
• Strong research capabilities (OSINT, corporate registries, sanctions lists, media reviews).

• BSA/AML compliance experience and/or experience and understanding of risk management principles; financial crimes risk management experience highly preferred
• Ability to evaluate risks and to communicate relevant risk in a simple, decisive, timely and market-appropriate manner.
• Ability to build strong partnerships and to work across multiple cultures. Proven interpersonal, organization, and presentation skills.
• Strong computer skills utilizing Microsoft Office Suite with in-depth Excel experience (including Pivot Tables and performing analysis of large data sets). Must be highly proficient in the use of Microsoft PowerPoint and Word. Knowledge and experience with SharePoint, Tableau, and other similar applications is desired.
• Strong verbal and written communications skills in English.
• Knowledge on products (wires, ACH, check products, cash vault, etc.).
• Industry certifications - Preferred (e.g., CAMS certified and/or Wells Fargo AML/Sanctions Credential Program, etc.).
• Ability to manage large and complex sets of data.

Job Expectation:

1. Transaction Review & Analysis

• Perform end‑to‑end transaction analysis for financial intermediaries, including banks, payment service providers, brokers, fintechs, and NBFIs.
• Review originator and beneficiary details to verify legitimacy, consistency, and risk exposure.
• Assess transaction patterns, velocity, volumes, and unusual behaviors through data‑driven review.
• Identify discrepancies between transaction activity and the customer’s known profile or expected activity.
• Determine the nature, purpose, and economic rationale of transactions where unclear or potentially suspicious.

2. AML/KYC Risk Assessment

• Evaluate AML/KYC risk indicators, including geographic risk, entity type, product risk, and delivery channel risk.
• Identify red flags such as structuring, layering indicators, shell entity activity, opaque ownership, high‑risk jurisdictions, or nested relationships.
• Draw risk‑based conclusions and recommend next steps (enhanced due diligence, escalation, monitoring controls).
• Document findings clearly and concisely to support overall customer due‑diligence reviews.

3. Deep‑Dive Investigations

• Conduct follow‑up research using internal systems, open‑source intelligence (OSINT), commercial databases, and regulatory lists.
• Summarize the originator/beneficiary profile, relationship background, transaction purpose, and any adverse findings.
• Analyse source‑of‑funds/source‑of‑wealth indications where relevant.

4. Reporting & Documentation

• Prepare high‑quality investigative narratives in line with regulatory and audit standards.
• Maintain clear audit trails of data sources, assumptions, and decision-making rationale.
• Support the preparation of SAR/STR filings where required.

5. Stakeholder Collaboration

• Work closely with Due Diligence teams, AML Investigations, Sanctions, and Compliance Advisory teams.
• Engage with internal partners to clarify customer activity, mitigate risks, or seek additional documentation.
• Provide insights to help refine transaction monitoring scenarios for financial intermediaries.

6. Policy & Regulatory Compliance

• Stay updated on global AML/KYC regulations relevant to financial intermediary relationships (FATF, FinCEN, FCA, MAS, etc.).
• Ensure all reviews adhere to internal AML policies, risk frameworks, and regulatory standards.
• Assist in process improvements, quality assurance, and training initiatives.

Posting End Date:

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells 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.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells 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.