Customer Due Diligence Operations Periodic Review Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Customer Due Diligence Operations (CDDO) team is a centralized function within Enterprise Financial Crimes Compliance (EFCC), specializing in Know Your Customer (KYC) operations and key Anti–Money Laundering (AML) activities that protect the bank from financial crime risk. CDDO executes critical due diligence processes and plays a central role in ensuring the bank meets regulatory expectations and maintains a strong, consistent KYC program.

As a Periodic Review Analyst, you will play a critical role in maintaining the integrity of our customer risk management program by conducting thorough reviews of high‑risk client profiles to ensure compliance with regulatory standards and internal policies. This position involves analyzing customer data, validating documentation, and assessing risk indicators to identify gaps or inconsistencies. You will collaborate closely with other compliance, operations, and business partners to resolve issues, escalate concerns, and recommend process improvements. Strong attention to detail, analytical thinking, and a commitment to accuracy are essential, as your work directly supports the organization’s ability to meet BSA/AML requirements and uphold a culture of compliance.

Key Responsibilities

• Conduct in‑depth reviews of high‑risk customer profiles to ensure alignment with regulatory requirements and internal risk standards.
• Analyze customer information and activity patterns to identify risk indicators, inconsistencies, or gaps requiring clarification or escalation.
• Validate documentation and data accuracy to ensure profiles meet enhanced due diligence expectations.
• Assess overall customer risk profile and provide well‑reasoned, sound recommendations.
• Clearly and thoroughly document findings, supporting conclusions with strong analytical rationale.
• Partner with Compliance, Operations, and Business Line teams to address questions, resolve issues, and ensure smooth review progression.
• Escalate unusual or potentially suspicious activity to investigative teams to facilitate appropriate review and action.
• Identify opportunities to enhance processes, contribute to continuous improvement efforts, and support a strong compliance culture.
• Manage a dynamic review queue by prioritizing work based on risk, deadlines, and business needs while maintaining high accuracy and timeliness.
  
  

Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically more than two years of applicable experience

Preferred Skills/Experience
Candidates who thrive in this position demonstrate the following strengths:

- Strong critical thinking and problem‑solving abilities.

- Skilled at researching internal and external information and identifying accurate answers through self‑directed review.

- Clear, effective communication across written and verbal channels.

- Skill in managing time, organizing work, and balancing competing priorities.

- Comfort working with data, including identifying patterns and drawing insights.

- A collaborative mindset and willingness to work across diverse teams.

They also tend to embody key professional qualities, including:

- Self‑motivation and ownership of their work.

- Openness to feedback and a coachable mindset.

- Agility and adaptability in a fast‑changing environment.

- A commitment to integrity, sound judgment, and ethical decision‑making.

Location expectations
*This role requires working from the U.S. Bank location listed three (3) or more days per week.

*We are hiring in the following location:

• Charlotte, NC
• Minneapolis, MN

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $66,640.00 - $78,400.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.