Financial Crimes Analyst

UnitedHealth Group • Draper, UT

2d • Hybrid

About The Position

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.
The Optum Bank Financial Crimes Analyst will report directly to the AML/CFT Officer and will assist in ensuring the bank maintains compliance with its BSA/AML Program for the Bank’s deposit and commercial and consumer lending market, as well as on the ongoing risk assessment, monitoring, due diligence, and oversight of third parties and affiliates for whom the Bank processes payments and/or acts as a card or Bank Identification Number (BIN) sponsor. This individual will be responsible for assisting in developing, implementing, and managing the Bank’s transaction monitoring program, ensuring alignment with regulatory expectations and internal risk appetite.
This position offers fully remote but is highly preferred as hybrid schedule in Salt Lake City, UT. If you are in Salt Lake City, UT (hybrid in Salt Lake City office and remote) you will have the flexibility to telecommute as you take on some tough challenges.
You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Requirements

• High School Diploma/GED (or higher)
• 4+ years of experience working in a bank or other financial institution with duties focused on anti-fraud, anti-money laundering and countering the financing of terrorism
• 4+ years of functional experience would include experience with implementing a bank-wide transaction monitoring program
• Ability to very occasionally travel, per business need (likely 1-2 times per year)

Nice To Haves

• Advanced degree or relevant professional banking certifications (CAFP, CAMS, CRCM, etc.)
• Prior regulatory experience or experience in managing regulatory examinations
• Strong organizational skills; able to manage priorities and workflow
• Ability to work independently and as a team member
• Able to communicate with people at all levels and various backgrounds
• All Telecommuters will be required to adhere to UnitedHealth Group’s Telecommuter Policy.

Responsibilities

• Assist with implementing and managing the Bank’s enterprise-wide transaction monitoring program, including alert generation, review, escalation, and resolution processes
• Oversee system configuration, rules tuning, and threshold management to ensure the program effectively detects suspicious activity
• Perform quality control and assurance reviews of alert investigations and SAR filings to ensure regulatory accuracy and timeliness
• Collaborate with IT, Operations, and third-party vendors to manage transaction monitoring system integrations and enhancements
• Lead efforts to identify and assess emerging typologies, updating monitoring parameters accordingly
• Provide guidance and training to junior analysts and operations staff on transaction monitoring and suspicious activity detection
• Prepare and present metrics, dashboards, and trend reports to senior management and the Board on program effectiveness
• Support internal audits, regulatory examinations, and third-party reviews by providing documentation, data, and subject matter expertise
• Maintain strong knowledge of BSA/AML, USA PATRIOT Act, OFAC, and FinCEN guidance related to monitoring and reporting obligations
• Assist with broader financial crimes risk management initiatives, including customer risk scoring, EDD reviews, and model validation
• Support and promote the Bank vision, mission and core values, organizational structure and policies and procedures

Benefits

• In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements).
• No matter where or when you begin a career with us, you’ll find a far-reaching choice of benefits and incentives.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED