AML Investigator III
Investigate AML, fraud, and other financial-crime alerts; respond to partner-bank information requests, assess customer activity, and escalate suspicious behavior. The role requires financial-services investigation experience, transaction-monitoring expertise, and strong communication and organizational skills.
About the job
Responsibilities
- Provide input on new transaction-monitoring rules and tune existing rules.
- Review AML and financial-crime alerts in transaction-monitoring queues and take appropriate action.
- Contact users to obtain information about account usage and transactions.
- Work with partner banks and internal teams to assess information received from users.
- Investigate and respond to Requests for Information (RFIs) from partner banks with clear, well-supported AML reviews.
- Make account decisions, including locking or closing accounts when necessary.
- Develop an understanding of expected activity for different user types.
- Document investigative findings and escalate unusual or potentially suspicious activity to partners for SAR consideration.
- Investigate tools and automation that improve investigative workflows.
- Document processes and train future teammates.
Requirements and Qualifications
- Experience identifying money laundering, fraud, or other financial-crime behavior in banking, fintech, or financial services.
- Experience working with vendor and internally developed transaction-monitoring rules.
- Fluency with ACH, checks, debit cards, credit cards, and domestic and international wire transfers.
- Understanding of business banking, international activity, and ownership structures.
- Strong written and verbal communication skills, including the ability to explain complex concepts clearly.
- Ability to manage external relationships with confidence and empathy.
- Strong organization, attention to detail, problem-solving, and process-improvement skills.
- Interest in automation, the US banking system, startups, and ecommerce companies.
Compensation
- US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $121,700–$152,100 USD base salary.
- US employees outside New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $109,500–$136,900 USD base salary.
- Total rewards may also include equity and benefits.
Skills
Transaction Monitoring, AML, Fraud Detection, Financial Crime Investigations, Sars, Case Management, Ach, Wire Transfers, Credit Cards, Debit Cards, Business Banking, Account Ownership
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