Financial Intelligence Analyst III (KYC Experience Preferred)

Navy Federal Credit Union currently does not provide sponsorship for this role. Applicants must be authorized to work in the United States without the need for current or future sponsorship.To perform complex research and analysis of Navy Federal account activity to identify red flags and suspicious activity in personal and business accounts. Perform in-depth risk reviews and document enhanced due diligence, including activity trend analysis. Maintain knowledge of BSA/AML history, regulations, and industry guidance. Support Business Unit staff in complying with established BSA/AML policies and procedures. Maintain familiarity with typical legal business structures and normal activity by business industry. Work is under moderate supervision. To support day-to-day Office of Foreign Assets Control (OFAC) operations, compliance analyses and projects across the enterprise in compliance with Navy Federal's BSA/AML & OFAC Compliance Program. To respond to ad-hoc OFAC related queries and provide subject matter expertise to partner business units when applicable. Maintain knowledge of OFAC history, regulations, and industry guidance. Work is under moderate supervision. To perform research and analysis of Navy Federal Account activity related to suspicious transactions and identify red flags. Create and maintain Suspicious Activity Reports (SARs) associated with suspicious account activity requiring more complex research or in- depth investigation. Identify, review, and report suspicious activity and risk exposure across various delivery channels. Ensure adherence to applicable federal and state laws, rules and regulations. Work is performed under moderate supervision.Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.Our approach to careers is simple yet powerful: Make our mission your passion.FORTUNE100 Best Companies to Work For 2025Yello and WayUp Top 100 Internship ProgramsComputerworld Best Places to Work in ITNewsweek Most Loved Workplaces2025 PEOPLE Companies That CareNewsweek Most Trustworthy Companies in AmericaMilitary Times 2025 Best for Vets EmployersBest Companies for Latinos to Work for 2025Forbes 2025 America’s Best Large EmployersForbes 2025 America's Best Employers for New GradsForbes 2025 America's Best Employers for Tech Workers2025 RippleMatch Campus Forward Award Winner for Overall Excellence Military.com Top Military Spouse Employers 2025 2025 Handshake Early Talent AwardFrom Fortune. 2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at View email address on click.appcast.io or by calling View phone number on click.appcast.io. This team cannot provide any information on job postings or application status.Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.Working knowledge of applicable federal and state laws, rules and regulations (e.g., Bank Secrecy Act, USA Patriot Act, and OFAC regulations)Working knowledge of money-laundering trends and threatsExperience in working with all levels of staff, management, stakeholders, vendorsAbility to maintain confidentiality and demonstrate integrityEffective skill managing multiple priorities independently and/or in a team environment to achieve goalsEffective skill assimilating information, analyzing facts, and developing logical conclusionsEffective skill interpreting and synthesizing large amounts of informationEffective skill exercising initiative and using good judgment to make sound decisionsEffective organizational, planning and time management skillsEffective investigative, research, analytical, and problem-solving skillsEffective skill following, interpreting, and applying relevant data/instructions to guidelines, procedures, practices, and regulationsEffective active listening skills to accurately respond to inquiries and account requestsEffective skill building relationships through rapport, trust, diplomacy, and tactEffective skill to influence, negotiate, and persuade to reach agreeable exchange and positive outcomesEffective verbal and written communications skillsEffective word processing, spreadsheet, and presentation software skillsAssociate degree in Business Administration, Criminal Justice, Finance, or related field, or the equivalent combination of education, training, and experienceDesired QualificationsBachelor's degree in Business Administration, Criminal Justice, Finance, or related fieldFamiliarity with Navy Federal products, services, programs, policies, and proceduresExperience in the field of anti-money laundering and/or risk managementFraud or AML Certifications: Certified Fraud Examiner, Certified Anti Money Laundering Specialist, etc.Additional InformationHours:Monday - Friday, 8:00AM - 4:30PMLocation:820 Follin Lane, Vienna, VA 221805510 Heritage Oaks Drive, Pensacola, FL 32526141 Security Drive, Winchester, VA 226029999 Willow Creek Road San Diego, CA 92131Investigate various types of transactions/activities/cases (Anti-Money Laundering, Structuring) including reported or alleged loss of assets from various business channelsAssist junior level staff with review and analyses of various types of cases and preparing/creating Suspicious Activity Reports (SARs), as requiredCollect evidence and related documentation via available systems and methods; ensure chain of evidence/documentation is maintained in accordance with federal and state laws, rules, regulations and Navy Federal's policies and proceduresMonitor timeline from identification/notification of BSA/AML activity to closure, ensuring service level agreements and regulatory requirements are metCreate detailed reports of investigations to include actions taken and results, including completing Suspicious Activity Reports (SARs) when appropriatePartner within AML functions to support high level investigations requiring SAR submission and documentationResearch public record databases to identify, analyze and verify information related to primary investigations, discrepancies associated with information provided, and assess potential riskCompile, prepare and maintain data for analysis and referenceDetect money-laundering trends, red flags and recommend preventive measures to business units and managementCollaborate with other business units to gain an understanding of transactions, processes and procedures, their impact on other business units processes and procedures, and identify risk potential for suspicious activitySupport day-to-day OFAC operations, including completing scans of members and other parties as required by Navy Federal's risk-based policiesPerform ad-hoc analyses/scanning against OFAC/other lists when necessaryReview and analyze recommendations by junior level staff and elevate concerns to management regarding rejecting or blocking of fundsSupport projects related to sanctions evasion, money laundering detection, prevention or root cause analysisRecommend enhancements to BSA/AML and/or OFAC rules and modelsComplete required training as directed by policy/supervision; Identify training opportunities and assist in the development of junior level staffMaintain required documentation for NCUA, Internal Audit and government law enforcement agenciesMaintain knowledge of applicable federal/ state laws, rules, regulations, and Navy Federal policies and proceduresPerforms other duties as assignedFull timePosting Date: 2026-08-04