Senior BSA/AML Investigator
Investigates complex financial crime alerts, prepares SARs, conducts KYC and enhanced due diligence, and supports transaction-monitoring optimization within a BSA/AML and sanctions compliance program. Requires 4+ years of AML experience and strong knowledge of relevant regulations.
About the job
Responsibilities
- Independently investigate and resolve complex alerts and cases from transaction monitoring systems, including in-depth analysis of payment flows and user behaviors.
- Prepare, review, and recommend filing of Suspicious Activity Reports (SARs), ensuring high-quality narratives and supporting documentation.
- Assist with KYC and onboarding matters as required.
- Conduct Enhanced Due Diligence (EDD) on high-risk users and transactions; perform periodic reviews of customer risk profiles and recommend adjustments to risk ratings.
- Assist in tuning and optimizing transaction monitoring rules and scenarios to reduce false positives while maintaining detection effectiveness.
- Mentor and provide guidance to junior team members on investigation techniques and regulatory requirements.
- Collaborate with Product, Risk, and Legal teams on compliance-related initiatives and new product launches.
- Maintain expertise in evolving BSA/AML/OFAC regulations, FinCEN guidance, and payment industry financial crime trends.
Requirements
- 4+ years of hands-on experience in AML, ideally in fintech or banking.
- Familiarity with financial crime risks specific to digital payments, money transmission, wallets, or peer-to-peer platforms is highly desirable.
- Proven experience preparing and filing SARs, including high-quality, well-structured narratives, strongly preferred.
- In-depth knowledge of BSA/AML laws and regulations, including the Bank Secrecy Act, USA PATRIOT Act, OFAC sanctions, and related requirements.
- Familiarity with local, regional, and international regulatory bodies, including FinCEN and FATF, and practical experience navigating their guidelines.
- Ability to drive operational changes, manage competing priorities, and collaborate effectively across global teams and regions.
- Strong analytical mindset, structured problem-solving skills, sense of urgency, and ability to work independently under minimal supervision.
- Excellent verbal, written, and presentation skills, with the interpersonal ability to influence stakeholders and advance strategic initiatives.
- Adaptability to evolving technologies, regulations, and business needs.
- Ability to commit to a full-time Saturday–Wednesday work schedule.
Nice-to-Haves
- AML-related certifications such as CAMS or CGSS.
Compensation and Benefits
- Base salary: $120,000–$145,000 USD
- Equity and comprehensive medical, vision, and dental coverage.
- 401(k) retirement plan.
- Short- and long-term disability insurance.
- Life insurance, discounts, and other perks.
Skills
Bsa/Aml, Ofac, Fincen, Fatf, Sars, Kyc, Enhanced Due Diligence, Transaction Monitoring, Usa Patriot Act, Bank Secrecy Act, Cams, Cgss
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