About This Role
The Anti Money Laundering (AML) Transaction Monitoring Analyst reviews suspicious activity alerts, conducts investigations, analyzes customer transaction behavior, and supports AML compliance efforts. This role suits a detail-oriented and analytical professional with strong investigative skills and a risk-based mindset, capable of identifying unusual transaction patterns while ensuring compliance with regulatory requirements and internal policies.
Responsibilities
- Review and analyze AML alerts generated through Financial Crime Risk Management (FCRM) systems
- Investigate potentially suspicious activities, including structuring, high-risk/high-volume transactions, unusual customer behavior patterns, sanctions-related concerns, and other financial crime indicators
- Review alerted activity and evaluate up to 30 days of account history to assess transaction legitimacy and customer behavior
- Conduct customer profile reviews to validate expected account activity and identify inconsistencies
- Perform basic investigations using internal systems and external data sources to gather relevant information regarding transactions and associated parties
- Assess transaction activity and determine whether alerts should be closed with no further action required, or be escalated for enhanced investigation and review
- Prepare detailed case documentation, including investigative findings, supporting evidence, and rationale for decisions
- Ensure all reviews are conducted in accordance with AML regulations, internal policies, and compliance procedures
- Collaborate with compliance, risk, and operational teams to support ongoing financial crime prevention initiatives
Requirements
- Bachelor's degree in Finance, Accounting, Business Administration, Economics, Criminal Justice, Risk Management, or a related discipline
- 1-3+ years of experience in AML, Transaction Monitoring, KYC, Compliance Operations, Financial Crimes, Fraud Investigations, or related fields
- Working knowledge of Bank Secrecy Act (BSA) Anti-Money Laundering (AML) regulations, OFAC sanctions requirements, and Financial Crime Compliance frameworks
- Experience reviewing transactional data and identifying suspicious activity indicators
- Strong analytical and critical thinking skills with the ability to identify trends, anomalies, and risk indicators
- Excellent attention to detail and ability to document findings accurately
- Strong verbal and written communication skills
- Ability to work effectively in a fast-paced environment while managing multiple investigations
Nice to have:
- CAMS (Certified Anti-Money Laundering Specialist) certification or pursuit of certification
- Experience with transaction monitoring platforms and AML case management tools
