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AML CIP/KYC Associate

Northern Trust · Chicago, IL · $61,500–$98,300 a year · Full time

Posted Sep 7, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Tell me about a time you had to tell someone no because of a rule, and how you handled it.

What they are checking: Whether they can enforce compliance requirements without damaging the working relationship.

Tell me about a time you reviewed a lot of documents and had to stay accurate throughout.

What they are checking: Whether they can keep attention to detail on high-volume file review, where small misses carry regulatory risk.

How do you keep up with changes to AML rules and guidance?

What they are checking: Whether they stay current, since regulations and expectations in AML change often.

What would you do

The front office wants an account opened today, but the file is missing source-of-wealth documentation. What do you do?

What they are checking: Whether they hold the line on requirements while helping the front office get what they need quickly.

How would you handle a client file where the risk rating seems too low given what you see?

What they are checking: Whether they challenge a rating with evidence rather than accepting what came in.

About the work

What is the Customer Identification Program under the USA PATRIOT Act, and what does it require for a new account?

What they are checking: Whether they know the legal minimum for verifying a new customer's identity.

Walk me through how you would review a new Wealth Management account file for AML and KYC compliance.

What they are checking: Whether they have a methodical review process covering identity, ownership, source of wealth and risk rating.

A new client is a trust with several layers of entities. How do you identify the beneficial owners?

What they are checking: Whether they understand beneficial ownership rules and how to work through complex structures common in wealth management.

What red flags would make you escalate a file to Global AML management?

What they are checking: Whether they can recognize real risk, like PEP status, adverse media or unclear wealth sources.

How is enhanced due diligence different from standard due diligence, and when would you apply it?

What they are checking: Whether they understand risk-based KYC rather than treating every client the same.

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The full job description

As published by Northern Trust.

About Northern Trust As a global leader in innovative wealth management, asset servicing, asset management and banking services, Northern Trust (Nasdaq: NTRS) is proud to guide the world’s most successful individuals, families, corporations and institutions. Since 1889, we have aligned our efforts with our three guiding Principles That Endure: Service, Expertise, and Integrity. Together, they reflect the three cornerstones of business conduct which we strive to instill in our employees, whom we call partners, and to provide to our clients and the communities we serve worldwide. With more than 135 years of financial experience and over 24,000 partners, we serve the world’s most sophisticated clients using leading technology and exceptional service. Associate Consultant, Business Unit Control Major Duties: • Reviews client files for conformance with applicable AML policies, procedures and regulatory requirements for new WM account openings and works with front office teams to facilitate queries. • Provides support and functional knowledge as it relates to compliance with applicable AML laws, rules and standards • Identifies and escalates to Global AML management any regulatory compliance risks associated with the file reviews completed • Carries out business-related activities that may be required to support Global AML Compliance guidelines • Provides support as requested by Global AML Management as necessary to resolve compliance issues, including actions in response to Regulatory exam and Audit findings • Uses existing procedures to solve standard problems; analyzes information and standard practices to make judgments Skills/Knowledge Required: 1. Requires Financial Institution Regulatory and Compliance knowledge including AML, Customer Identification Program (CIP), Enhanced Due Diligence (EDD) and Know Your Customer (KYC) regulatory requirements and Economic Sanctions laws and regulations, usually acquired through formal education or experience. 2. Requires strong analytical, interpersonal, verbal and written communication skills are required to analyze and summarize information 3. Requires strong written communication skills required to document work completed and summarize findings 4. Requires strong organizational skills Salary Range: $61,500 - 98,300 USD Salary range is a good faith estimate of base pay. Northern Trust provides a comprehensive benefits package including retirement benefits (401k and pension), health and welfare benefits (medical, dental, vision, spending accounts and disability), paid time off, parental and caregiver leave, life & accident insurance, and other voluntary and well-being benefits. Northern Trust also provides a discretionary bonus program that may include an equity component. Work Authorization Applicants must be authorized to work in the U.S. without the need for employment-based visa sponsorship now or in the future. Northern Trust will not sponsor applicants for U.S. work visa status for this opportunity (no sponsorship is available for H-1B, L-1, TN, O-1, E-3, H-1B1, F-1, J-1, OPT, CPT or any other employment-based visa). Working with Us As a Northern Trust partner, you will be part of a flexible and collaborative work culture, which has a strong history of financial strength and stability. Movement within the organization is encouraged, senior leaders are accessible, and you can take pride in working for a company committed to an inclusive workplace and assisting the communities we serve. Philanthropy is deeply rooted in Northern Trust’s history and is an essential element of our culture. Employees around the world give their time and talent to work for the greater good of their communities. Reasonable Accommodation Northern Trust is committed to working with and providing adjustments to individuals with health conditions and disabilities. If you need a reasonable accommodation for any part of the employment process, please email our HR Service Center at MyHRHelp@ntrs.com , or alternatively you can discuss your individual requirements with the recruiter you are working with.

Apply at Northern Trust