At-Risk Persons Senior Investigator

Job Description: Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of the largest businesses of its kind in the world specializing in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance. Merrill’s Financial Advisors and Wealth Management Client Associates help clients pursue the life they envision through a personal relationship with their advisory team committed to their needs. We believe trust comes from transparency. Our trusted advisory teams are equipped with access to the investment insights of Merrill coupled with the banking convenience of Bank of America. Merrill is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Merrill, we empower you to bring your whole self to work. We value the unique perspectives in our thoughts, business, and within our employees and clients. Our Wealth Management team represents an array of different skills and experiences that individuals bring from all backgrounds and careers; whether gained through military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Job Description: The Global Wealth Management (GWM) At-Risk Persons Investigator performs end-to-end investigations of suspected elder financial exploitation/ abuse of a vulnerable adult. In this role, the Investigator conducts routine to complex investigations involving Merrill Lynch Wealth Management, Consumer Investment or Private Bank clients. Per Enterprise guidelines, clients reported for investigation are either 60 years of age and/or older, or 18 years of age and/or older and deemed to be vulnerable. In this client centric role, the Investigator frequently engages with the client advisory team/ the client to obtain information and gather the facts of the situation. The Investigator will analyze and interpret information gathered from numerous Consumer and Broker Dealer databases across the Enterprise. These details will be used to evaluate the clients’ financial patterns and history, to determine/ carry out any risk mitigation action as necessary; in order to protect the client from further exploitation/harm. The Investigator is responsible for preparing concise reporting that captures the investigative details, and determining if the client meets specific criteria that may result in the recommendation for reporting to the appropriate State agencies. As a subject matter expert in At-Risk Person activity, the Investigator may provide consultation and guidance to front line partners in handling specific client situations. Additionally, Investigators may engage directly with State/Regulatory agencies as well as law enforcement. Key priorities for the team include conducting thorough and timely investigations, assessing appropriate risk mitigation efforts and providing guidance and expertise to front line partners in order to protect clients from further exposure to exploitation. Responsibilities include but not limited to: · Responsible for the investigation of potential At-Risk Person referrals pertaining to Wealth Management clients. · Ensures thorough, timely investigations with consistent application of At-Risk Person Investigation procedures. · Proficient knowledge of regulatory, reputational, operational, and legal risks encountered in the course of investigations. · Proficient knowledge of bank systems/technology used in the course of investigations, as well as the enterprise, businesses, products, core corporate functions and bank policies. · Maintains relationships with key business partners, including Wealth Management client advisory teams, Global Risk and Legal. · Demonstrates excellent written and verbal communication skills, and provides consultation and guidance on investigative related issues to influence partners and outcomes. · Documents cases appropriately and may engage directly with regulators or law enforcement. · Responsible for documenting and referring instances of elder financial exploitation fraud for appropriate suspicious activity reporting as applicable. Required Skills & Abilities: Experience conducting investigations involving financial crimes, fraud, or the financial industry and/or financial institution operations and products experience. Exceptional communication skills; exhibits confidence and clarity of message through both written and verbal correspondence. Ability to prioritize work, effective time management, initiative, and thoroughness. Self-starter capable of analyzing and reporting independently Proficient in Microsoft suite and other financial industry related software Desired Skills & Experiences: Bachelor’s degree in a related field or equivalent work experience is preferred. 5+ years’ experience conducting investigations, preferably in the area of financial crimes, At-Risk Persons, fraud, or the financial industry In depth knowledge and experience with Consumer and Broker Dealer products and services, and applicable compliance rules and regulations Ability to analyze and manipulate large data sets Interaction with Front Line Units & Customers/Clients Securities Industry Licensed (FINRA) Due Diligence Interpret Relevant Laws, Rules, and Regulations Investigation Management Research Risk Management Analytical Thinking Attention to Detail Collaboration Data Collection and Entry Relationship Building Adaptability Business Process Analysis Continuous Improvement Issue Management Networking Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy. Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - NJ - Pennington - 1600 American Blvd - Hopewell Bldg 6 (NJ2600) Pay and benefits information Pay range $79,500.00 - $101,100.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve. Bank of America is committed to help employees through the transition period when they’re displaced as a result of a workforce reduction, realignment or similar measure. Please review the resume writing and interviewing tips provided below to help prepare you for your next career opportunity. Getting started Regardless of the position you are interested in, the starting points to building your resume are the same: 1. Determine the job or types of jobs you want to do and research their responsibilities and qualifications. 2. Think about why you can do the job and make a list of your skills that are relative to the job. 3. Identify experiences or accomplishments that show your proficiency in the skills required for the job. 4. Summarize your abilities, accomplishments and skills into a brief, concise document. Considerations when writing a resume • Do be brief. Resumes should be 1-2 pages in length. • Do be upbeat and active in your wording. • Do emphasize what you have done clearly and concretely. • Do be neat and well organized. • Do have others proofread and critique your resume. Spell check. Make it error free. • Do use high quality, white or light colored 8½ x 11 paper. Use a laser printer if possible. • Don't be dishonest, always tell the truth about yourself in the most flattering light. • Don't include salary history or requirements. • Don't include references. • Don't include accomplishments that do not support your professional goals. • Don't include anything that isn't relevant. (For example, don't mention your fondness for swimming unless you want to work on the water.) • Don't use italics, underlining, shadows or other fancy treatments. Seven steps to a successful interview 1. Anticipate –Put yourself in the interviewer's position. What do you believe the interviewer is most interested in? Why do you think you have been invited to interview? 2. Research –What are the primary functions of the line of business? What are the success factors for the job? Is there a job description available? 3. Assess –Think about your skills, abilities, knowledge, interests, traits, values and accomplishments. Match them to what you know about the job. Consider which ones you should highlight. 4. Prepare Answers –Think about what the interviewer may ask, determine what the best answer is and write it down. 5. Prepare Questions – Interviewing is a two-way street. By asking thoughtful questions, you communicate your interest and learn a lot about the job. Choose two or three questions to ask your interviewer. Avoid asking a lot of questions about vacation time or breaks. 6. Practice – It may seem awkward, but it is the best way to come across well in an interview. Practice your own "great responses" with others or in front of a mirror until you appear relaxed and at ease. 7. Follow-up – Send a brief follow-up letter to the interviewer. Keep in mind that the many job searchers will not send a follow-up letter. Sending one can become a competitive advantage. Pay Transparency - Privacy Statement -