Customer Due Diligence Investigations (CDDI) Analyst

About the Position:

As the Customer Due Diligence Investigations (CDDI) Analyst you will play a critical role in supporting the bank’s financial crime prevention efforts by conducting comprehensive reviews of new and existing customers to ensure compliance with the Bank Secrecy Act (BSA), Know Your Customer (KYC) standards, and Office of Foreign Assets Control (OFAC) requirements. Your role is responsible for performing customer due diligence (CDD) and ongoing monitoring to identify, assess, and mitigate potential financial crime risks in accordance with regulatory expectations and internal policies.

What You Will Do:

• Conduct CDD reviews on new and existing customers to assess potential risks in accordance with KYC and OFAC regulations.
• Analyze complex ownership structures, sources of funds, geographic exposure, and business activities to determine risk and identify red flags or escalation needs.
• Review and validate customer documentation for completeness, accuracy, and compliance with internal policies and regulatory standards.
• Monitor customer transactions and account activity to detect unusual or potentially suspicious patterns; escalate findings to AML Investigations as appropriate.
• Collaborate with relationship managers, operations, and compliance teams to resolve due diligence issues and ensure a risk-based approach to onboarding and reviews.
• Maintain detailed, accurate, and audit-ready documentation of due diligence findings and decision rationales.
• Stay current on regulatory developments, industry best practices, and emerging risks related to financial crime compliance.
• Support audit and regulatory examination activities by providing documentation and subject-matter input as needed.
• Assist in developing and delivering training or guidance to internal stakeholders on CDD/KYC processes, policy updates, and quality standards.
• Perform other duties as assigned.

What We’re Looking For:

• A bachelor’s degree in finance, business, criminal justice, or related field required. Commensurate work experience will also be considered.
• A minimum of one year of experience in KYC (CIP/CDD), financial crimes compliance, or customer onboarding within a banking or financial services environment required.
• Knowledge of customer risk due diligence best practices required.
• Exceptional analytical, problem-solving, and communication skills.
• Proficiency in research tools, data systems, and Microsoft Office applications.

Working Conditions/Demands:

• Professional office setting.
• Primarily sedentary position requiring long periods of time working at a computer.
• Must be able to move throughout the office and buildings to obtain or relay information.
• Must be able to perform the essential functions of the position with or without reasonable accommodation.

Who Are We?

We’re not just another bank and we’re not looking for just another employee. Since 1999, First Internet Bank has been dedicated to finding a better way to bank and doing things that have never been done before. Yes, we really were the first state-charted, FDIC insured bank to operate entirely online and we have been leading the way ever since.

We seek the game changers, the innovators…those who challenge the status quo because change really is the only constant. Ready to join a team of imaginative, driven individuals like you? It’s your career, you deserve to imagine more. Keep reading, we think you will like you what see.

Why Join Us? 

Our success has been driven, in part, by four core competencies – customer focus, teamwork, adaptability and initiative. Collectively they define our actions and are at the heart of all we do.  As a result, we’ve been fortunate