AML Analyst - Complex Entities & ECDD Specialist

About the Company

WhiteLight AML is growing quickly as demand increases for outsourced AML/CTF support across Australia. The business works with accounting firms, law practices, property businesses, wealth managers and other financial services organisations to deliver onboarding, remediation, customer due diligence and ongoing AML operations.

This Sydney-based opportunity is ideal for an AML professional who has practical experience handling complex entity reviews, customer due diligence and enhanced due diligence.

Role Purpose

In this position, you will provide full-cycle AML operational support covering individual onboarding, entity onboarding, customer due diligence, enhanced due diligence and remediation work. A major part of the role involves reviewing legal and ownership structures such as companies, discretionary trusts, unit trusts, self-managed super funds, partnerships and other layered control arrangements.

You will need solid technical CDD knowledge, careful judgement, strong attention to detail and the ability to recognise, record and escalate AML/CTF issues appropriately. The role involves close collaboration with Compliance Officers, Senior AML Specialists and client representatives to ensure onboarding and due diligence activities meet regulatory expectations and internal quality standards.

Key Responsibilities

• Carry out customer due diligence for both individual and entity clients.
• Examine companies, trusts, SMSFs, partnerships and similar legal structures.
• Determine and verify beneficial owners, controllers, trustees, directors, shareholders, members and other relevant parties.
• Map ownership and control paths to establish who must be identified and verified.
• Assess trust deeds, company extracts, ASIC information, corporate registry records and onboarding files.
• Perform enhanced due diligence on higher-risk clients, complex structures and unusual onboarding cases.
• Review source of funds and source of wealth details, along with supporting evidence where needed.
• Complete screening checks for PEPs, sanctions and adverse media.
• Evaluate risk factors such as customer type, structure, jurisdiction, source of funds, source of wealth and business activity.
• Contribute to AML remediation and customer uplift initiatives across existing client populations.
• Handle ongoing due diligence and periodic review tasks.
• Spot missing information, inconsistencies and warning signs in customer records, and escalate concerns when needed.
• Investigate unusual matters and support escalation of possible AML/CTF risk.

Complex Entity and ECDD Focus

This position calls for hands-on experience with more complex customer and ownership structures, including companies, discretionary trusts, unit trusts, SMSFs, partnerships, multi-layered ownership arrangements and customers with offshore components or higher-risk jurisdictions. It also requires confidence in source of funds and source of wealth assessment, beneficial ownership verification and interpretation of screening outcomes.

The right candidate will be comfortable reviewing legal and corporate documents, tracing ownership and control routes and providing clear, risk-based recommendations.

Experience and Skills

• Approximately 2 to 5+ years of experience in AML, KYC, KYB, financial crime, compliance or CDD operations.
• Proven hands-on work with entity customers, not only individual clients.
• Practical exposure to companies, trusts, SMSFs and other complex legal structures.
• Experience identifying beneficial ownership and control relationships.
• Background in conducting enhanced due diligence for higher-risk customers.
• Understanding of source of funds and source of wealth requirements.
• Experience interpreting PEP, sanctions and adverse media screening results.
• Strong grasp of AML/CTF obligations and risk-based due diligence methods.
• Experience in banking, financial services, wealth management, professional services, consulting or AML outsourcing settings.
• High attention to detail with the ability to detect gaps, inconsistencies and red flags.
• Strong written and verbal communication skills.
• Ability to work efficiently in a fast-paced operations environment while maintaining accuracy.
• Comfort handling multiple cases, competing priorities and stakeholder expectations.

Preferred Experience

• Exposure to tools such as First AML, World-Check, Dow Jones, RDC or similar AML/KYC platforms.
• Experience supporting remediation or periodic review work.
• Background working with accounting firms, law firms, property groups, wealth managers or trust-related structures.
• Understanding of Australian AML/CTF obligations and Tranche 2 reforms.
• Qualifications in law, commerce, criminology, financial crime or compliance-related disciplines.

Why Join WhiteLight AML

• Join one of the fastest-growing AML/CTF businesses in Australia.
• Work for an Australian-owned company supporting clients through significant regulatory change.
• Be part of a B Corp certified and carbon neutral organisation with a purpose-led approach.
• Contribute to an award-recognised business acknowledged for SaaS and Business Innovation at the Australian Business Awards.
• Gain exposure to real-world AML operations across accounting, legal, property, wealth and financial services clients.
• Build strong technical capability in complex entity CDD, KYB, trusts, SMSFs and enhanced due diligence.
• Receive mentorship from experienced AML, financial crime and compliance professionals.
• Join a collaborative, supportive and fast-growing team.
• Potential career progression into Senior AML Analyst, AML Specialist or Financial Crime advisory roles over time.

Work Location

This role is based onsite in Sydney, New South Wales, Australia.