The Team Lead, KYC Enhanced Due Diligence (EDD), leads a team responsible for risk-based reviews of high-risk customers and complex relationships. The role provides operational oversight, case decision support, quality governance, stakeholder engagement, and people leadership while ensuring compliance with applicable U.S. financial crime requirements and internal policies.
Operational Leadership
Lead EDD Analysts and Senior Analysts conducting onboarding, periodic, trigger-event, and remediation reviews.
Ensure cases are completed within established service levels, quality standards, risk appetite, and procedural requirements.
Monitor inventory, aging, throughput, productivity, capacity, and staffing; take timely action to address backlogs and delivery risks.
Provide guidance and approval for complex cases within delegated authority and escalate material concerns through the appropriate channels.
Compliance and Risk Management
Ensure team activities align with the Bank Secrecy Act (BSA), USA PATRIOT Act, applicable FinCEN requirements, the Customer Due Diligence framework, beneficial ownership requirements, and Office of Foreign Assets Control (OFAC) sanctions obligations.
Promote consistent application of customer risk-rating methodologies and risk-based due diligence standards.
Oversee analysis of source of wealth, source of funds, ownership and control structures, expected account activity, geographic exposure, adverse media, PEP connections, sanctions risk, and other relevant risk factors.
Identify and escalate suspicious activity indicators, sanctions concerns, control weaknesses, and significant financial crime risks in accordance with internal procedures.
Support regulatory examinations, internal audits, compliance testing, and management reviews; ensure timely and sustainable closure of findings.
Quality Assurance and Governance
Drive complete, accurate, well-reasoned, and audit-ready case documentation.
Conduct case reviews, quality checks, and calibration sessions to improve consistency in risk assessment and decision-making.
Analyze defects, recurring issues, and error trends; implement root-cause analysis and corrective or preventive action plans.
Maintain effective management information covering delivery, quality, risk, controls, and people metrics.
Ensure procedure changes and regulatory updates are implemented through controlled communication, training, and validation.
Typically, 10 or more years of experience in AML, KYC, EDD, BSA/AML, sanctions, financial crime compliance, or a closely related field.
Typically, 4 or more years of direct people's leadership, team management, or equivalent supervisory experience.
Demonstrated experience with high-risk customer reviews, customer risk assessments, complex legal entities, beneficial ownership, adverse media, PEP analysis, and escalation of financial crime concerns.
Experience supporting a U.S. bank, financial institution, fintech, payments company, or regulated compliance operation.
Strong written and verbal communication skills, including the ability to present risk-based decisions to senior stakeholders.
TCS Employee Benefits Summary:
Discretionary Annual Incentive.
Comprehensive Medical Coverage: Medical & Health, Dental & Vision, Disability Planning & Insurance, Pet Insurance Plans.
Family Support: Maternal & Parental Leaves.
Insurance Options: Auto & Home Insurance, Identity Theft Protection.
Convenience & Professional Growth: Commuter Benefits & Certification & Training Reimbursement.
Time Off: Vacation, Time Off, Sick Leave & Holidays.