Job Description
- Job Description:
- Investigate alerts and cases generated from transaction monitoring systems, applying risk‑based judgment to identify potentially suspicious activity.
- Analyze transactional activity, payment flows, and customer behavior to identify anomalies or red flags.
- Prepare and file Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) in accordance with internal procedures and regulatory standards.
- Maintain current knowledge of BSA/AML and OFAC regulations, FinCEN guidance, and evolving financial crime typologies relevant to payments, merchant acquiring, and fintech activities.
- Document investigative findings clearly and accurately within case management systems.
- Meet defined service level agreements (SLAs) and productivity and quality expectations for assigned workstreams.
- Escalate higher‑risk or complex matters to senior analysts or management in accordance with BSA/AML - SAM procedures.
- Collaborate with BSA/AML-SAM peers and internal stakeholders to support investigations and ongoing program objectives.
- Support FinCEN 314(a) and 314(b) information sharing requests and assist with law enforcement inquiries and legal process responses under the direction of senior staff.
- Perform other duties as assigned to support the BSA/AML-SAM Operations Team.
- Requirements:
- Bachelor’s degree in a relevant field such as Finance, Criminal Justice, Business, or a related discipline.
- Preferred certifications (not required): Certified Anti-Money Laundering Specialist (CAMS), Certified Financial Crime Specialist (CFCS), Certified Fraud Examiner (CFE)
- Typically requires 1-3 years of relevant experience in BSA/AML investigations, financial crime analysis, or regulatory compliance.
- Experience with SAR writing, transaction monitoring systems, and case management tools is strongly preferred.
- Strong analytical skills and attention to detail.
- Clear written and verbal communication, including concise documentation of investigative conclusions.
- Ability to manage assigned workload independently while following established procedures.
- Proficiency with Microsoft Office tools (Excel, Word, Outlook).
- Familiarity with transaction monitoring and case management platforms (e.g., Actimize, NICE Actimize, Verafin, or similar); experience with core banking systems and data analytics tools a plus.
- Adaptable, organized, and receptive to feedback in a fast‑paced environment.
- Benefits:
- Health insurance
- 401(k) retirement benefits
- Life insurance
- Disability benefits
- Paid time off
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