AML Enhanced Due Diligence Analyst

General Summary

The EDD Analyst I is a foundational compliance role within BBVA’s U.S. Corporate & Investment Banking (CIB) footprint, focused on supporting the execution of Enhanced Due Diligence (EDD) reviews for high-risk customers across the BBVA New York Branch (NYB) and BBVA Securities Inc. (BSI). This position plays a critical part in the front-line identification and assessment of financial crime risks associated with customer onboarding and ongoing due diligence, ensuring adherence to regulatory expectations and internal policies.

The EDD Analyst I will work closely with the Client Onboarding team and internal stakeholders to evaluate customer profiles, assess risk factors, and escalate cases when warranted. The role requires strong analytical judgment to identify when further scrutiny of a customer is needed and to flag potential red flags or risk indicators for additional review. The analyst may also be asked to perform Risk Tolerance Reviews and contribute to decision-making regarding customer acceptance or continuation.

This is a highly detail-oriented position that requires investigative skills, strong written communication, and the ability to operate in a fast-paced, high-volume environment.

Key Responsibilities

• Perform Enhanced Due Diligence reviews for high-risk customers in accordance with BBVA’s AML standards and U.S. regulatory requirements.
• Conduct comprehensive customer research using internal systems, public records, and third-party tools to build risk profiles.
• Identify and analyze risk factors such as adverse media, complex ownership structures, cross-border activity, and high-risk industries.
• Communicate directly with the Client Onboarding team and relevant business units to clarify or gather customer information as part of EDD reviews.
• Assess whether customers require additional scrutiny or potential escalation based on identified risks.
• Prepare clear, well-documented, and accurate EDD summaries and recommendations for approval.
• Complete Risk Tolerance Reviews when assigned, coordinating with senior compliance personnel and line-of-business stakeholders.
• Collaborate with business and compliance partners to resolve open questions related to customer profiles, account activity, or documentation.
• Ensure accurate data entry and status tracking in internal systems; support reporting and documentation as needed.
• Participate in quality assurance efforts to ensure consistency and accuracy across EDD reviews.
• Stay informed of emerging AML trends, typologies, and regulatory expectations applicable to EDD processes.

Qualifications and Experience

Required:

• Bachelor’s degree in a relevant field (e.g., Business, Finance, Criminal Justice, International Relations).
• 1–3 years of experience in AML compliance, customer due diligence (CDD), or financial crime investigations in a financial institution or equivalent environment.
• Familiarity with U.S. AML regulatory requirements (e.g., BSA, PATRIOT Act, FinCEN, OFAC).
• Strong analytical and research skills with an ability to synthesize information from multiple sources.
• Excellent written communication skills with experience drafting investigative narratives or risk summaries.
• Detail-oriented and organized; ability to manage multiple tasks and meet deadlines.
• Proficiency in Microsoft Office (Word, Excel, Outlook).

Preferred:

• CAMS or equivalent AML certification (or willingness to obtain within 6 months of hire).
• Experience working in a corporate or institutional banking environment.
• Spanish fluency (written and verbal).
• Experience with KYC/EDD platforms and AML screening tools (e.g., World-Check, LexisNexis).

Ideal Candidate Profile

The successful candidate will be a detail-focused and analytical professional with an interest in financial crime compliance and risk management. This role offers an opportunity to deepen AML expertise and contribute meaningfully to BBVA’s EDD program by assessing customer risk and ensuring regulatory expectations are met.

Strong communication skills, curiosity, and sound judgment are essential, as this individual will work with multiple internal stakeholders and play a key part in safeguarding the institution against financial crime exposure.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

With respect to this position in our Houston Office, the expected base salary ranges from $65,000 to $85,000. It is not typical for offers to be made at or near the top of the range. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.

*Employment eligibility to work with BBVA in the U.S. is required as the company will not pursue visa sponsorship for these positions