AML Analyst - Complex Entities & CDD Specialist

About WhiteLight AML
WhiteLight AML is rapidly expanding its AML Operations division as demand for outsourced AML/CTF services continues to grow across Australia.
We partner with accounting firms, legal practices, property groups, wealth managers and financial services organisations to support customer due diligence, onboarding, remediation and ongoing AML operations.Due to continued growth, we are seeking experienced AML Analysts to join our Sydney team, with a strong focus on complex entity onboarding, customer due diligence and enhanced due diligence.
This role is particularly suited to someone with hands-on experience reviewing companies, trusts, SMSFs, partnerships, beneficial ownership structures and higher-risk customer profiles.
Position Purpose:
The AML Analyst is responsible for delivering end-to-end AML operational support across individual and complex entity onboarding, customer due diligence, enhanced due diligence and remediation activities.A key focus of this role will be reviewing and assessing legal entity structures, including companies, discretionary trusts, unit trusts, SMSFs, partnerships and other complex ownership or control arrangements.
The role requires strong technical CDD capability, sound judgement, attention to detail and the ability to identify, document and escalate AML/CTF risks appropriately.
You will work closely with Compliance Officers, Senior AML Specialists and client stakeholders to ensure customer onboarding and due diligence activities are completed to a high standard and in line with AML/CTF obligations.
Key Responsibilities:
Conduct Customer Due Diligence across individual and entity customersReview and assess companies, trusts, SMSFs, partnerships and other legal structuresIdentify and verify beneficial owners, controlling persons, trustees, directors, shareholders, members and other relevant partiesAnalyse ownership and control structures to determine who needs to be identified and verifiedReview trust deeds, company extracts, ASIC records, corporate registries and onboarding documentationConduct Enhanced Due Diligence on higher-risk customers, complex structures and unusual onboarding mattersReview source of funds and source of wealth information and supporting documentation where requiredComplete PEP, sanctions and adverse media screening reviewsAssess customer risk factors, including customer type, structure, jurisdiction, source of funds, source of wealth and nature of activitySupport AML remediation and customer uplift projects across existing customer populationsManage ongoing due diligence and periodic review activitiesIdentify gaps, inconsistencies or red flags in customer documentation and escalate concerns appropriatelyConduct investigations into unusual matters and support escalation of potential AML/CTF risks
Complex Entity and CDD Focus:
This role requires practical experience working with complex customer types and entity structures, including:
Companies and corporate ownership structuresDiscretionary trusts and unit trustsSelf-Managed Super FundsPartnerships and professional services structuresMulti-layered ownership and control arrangementsCustomers with offshore elements or higher-risk jurisdictionsHigher-risk customers requiring Enhanced Due DiligenceSource of funds and source of wealth reviewBeneficial ownership identification and verificationPEP, sanctions and adverse media screening outcomesThe successful candidate will be comfortable reading and interpreting legal and corporate documents, understanding ownership/control pathways and making clear, risk-based recommendations.
Skills & Experience:
2–5+ years’ experience in AML, KYC, KYB, Financial Crime, Compliance or CDD operationsStrong hands-on experience reviewing entity customers, not just individualsPractical experience working with companies, trusts, SMSFs and complex legal structuresExperience identifying beneficial ownership and control structuresExperience conducting Enhanced Due Diligence on higher-risk customersUnderstanding of source of funds and source of wealth requirementsExperience reviewing PEP, sanctions and adverse media screening resultsStrong understanding of AML/CTF obligations and risk-based customer due diligenceExperience within banking, financial services, wealth management, professional services, consulting or AML outsourcing environmentsStrong attention to detail and ability to identify gaps, inconsistencies and red flagsExcellent written and verbal communication skillsAbility to work in a fast-paced operational environment while maintaining quality and accuracyComfortable managing multiple cases, priorities and stakeholder expectations
Highly Regarded:
Experience using First AML, World-Check, Dow Jones or similar AML/KYC platformsExperience supporting AML remediation or periodic review projectsExperience working with accounting firms, law firms, property groups, wealth managers or trust structuresUnderstanding of Australian AML/CTF obligations and Tranche 2 reformsLegal, commerce, criminology, financial crime or compliance-related qualifications
Why Join WhiteLight AML?
Join one of Australia’s fastest-growing AML/CTF businessesBe part of an Australian-owned business supporting clients through major AML/CTF regulatory changeWork in a purpose-led, B Corp certified and carbon neutral organisationJoin an award-recognised business, including recognition for SaaS and Business Innovation at the Australian Business AwardsWork on real AML operations across accounting firms, law firms, property groups, wealth managers and financial services clientsBuild deep technical capability across complex entity CDD, KYB, trusts, SMSFs and Enhanced Due DiligenceReceive mentoring from experienced AML, Financial Crime and Compliance professionalsBe part of a supportive, collaborative and fast-growing teamOpportunity to progress into Senior AML Analyst, AML Specialist or Financial Crime advisory roles over time