Vice President – Financial Crimes Risk Intelligence & Assessment Office

Morgan Stanley is a global financial services firm that conducts its business through three principal business segments—Institutional Securities, Wealth Management (WM), and Asset Management. Morgan Stanley provides comprehensive financial advice and services to its clients including brokerage, investment advisory, financial and wealth planning, credit and lending, deposits and cash management, annuities, insurance, retirement, and trust services. As a market leader, the talent and passion of our people is critical to our success.  Together, we share a common set of values rooted in doing the right thing, putting clients first, leading with exceptional ideas and a commitment to diversity and inclusion.  Morgan Stanley can provide a superior foundation for building a professional career – a place for people to learn, achieve, and grow. Department Profile:  The Risk Intelligence & Assessment Office supports the firm’s ability to make risk-based financial crimes decisions by delivering risk intelligence, policy engagement and guidance, and strategic solutions that strengthen controls and reduce operational inefficiencies across Wealth Management, E*TRADE, U.S. Banks, and Investment Management business lines. A core component of the function is program-wide financial crimes risk identification using tools, analytics, and intelligence to evaluate large datasets—including customer populations, due diligence attributes, screening, transactions, products, channels, and geographies—identify emerging trends and typologies, and translate insights into control enhancements, risk mitigation, and governance reporting. Responsibilities:  The Financial Crimes Risk Intelligence & Assessment Officer (VP) supports and executes the Firm’s First Line Financial Crimes program for Wealth Management and U.S. Banks. The role helps set program strategy, provides advisory and oversight support, and conducts tool-enabled portfolio and program-level risk assessments. The Officer converts data signals into defensible risk decisions and control actions while partnering with the business and second- and third-line stakeholders to maintain compliance with applicable standards, policies, procedures, laws, and regulations. The role partners with Business, Technology, Compliance, Legal, Operations, and Risk Management to translate financial crime risks, typologies, and regulatory expectations into practical control requirements and embed them into processes and governance. The Financial Crimes risk officer VP will:  Execute portfolio and thematic financial crimes risk assessments across customer types, products and services, delivery channels, and geographies. Prioritize findings and measurable mitigation actions through emerging-risk reviews, heightened-risk portfolio reviews, and targeted deep dives. Assess financial crimes risks for new and existing clients and recommend, document, and communicate mitigation and escalation plans. Use KYC/EDD, case management, adverse media, screening, transaction monitoring, customer risk rating, and dashboard outputs to identify patterns, anomalies, exposure changes, and control gaps. Translate findings into risk decisions, client actions, control enhancements, and governance reporting. Apply investigative and intelligence-led experience to identify and operationalize trends and typologies, working directly with tools or with analytics teams. Incorporate external advisories and red flags into monitoring hypotheses, thematic reviews, training, and escalation criteria. Analyze cross-border risks and determine how jurisdiction-specific concerns—including corruption, sanctions, ownership transparency, complex structures, and high-risk industries—affect U.S. AML/KYC requirements and controls. Apply U.S. AML/CFT and BSA/AML requirements to KYC, customer risk assessment, and control design. Develop scalable first-line guidance and procedures and support compliance with applicable regulations, standards, and policies. Develop and report portfolio risk indicators, trend and typology insights, and control performance metrics. Use multiple sources—including intelligence, tool outputs, portfolio analytics, process reviews, control testing, and frontline feedback—to challenge assumptions, test hypotheses, and identify emerging or non-obvious risks. In addition, other Key responsibilities include: Collaborate with senior business leaders, Second Line, Technology, Internal Audit, Compliance, Legal, Operations, and data teams to align requirements and deliver scalable controls across business lines. Support decisions on transactions and activities that may create financial crimes risk, including escalation pathways, risk acceptance rationale, and compensating controls. Translate international risk considerations into U.S. AML/KYC requirements and design mitigants when foreign documentation, registries, or legal constraints create gaps. Apply beneficial ownership requirements and analyze ownership and control structures for legal entity customers. Support responsible use of approved AI-enabled capabilities by defining use cases, requirements, controls, validation considerations, and documentation consistent with model risk management expectations. Required Experience and Qualifications: 7+ years of relevant experience with BSA/AML regulations within the financial services industry and/or at a financial services regulator (e.g., FINRA, SEC, OCC, Federal Reserve Bank, etc.). Financial crimes investigative experience, such as investigations, intelligence-led reviews, complex EDD, or suspicious activity typology development, with demonstrated ability to identify and communicate trends using financial crimes tools or large-scale analytics. Experience conducting client, thematic, portfolio, or program-level financial crimes risk assessments within a risk-based framework. Experience translating regulatory expectations and typology insights into practical first-line controls,