About This Role
Leading end-to-end transaction monitoring operations is the core of this role, ensuring effective allocation, review, escalation, and closure of AML alerts within prescribed timeframes. This position provides supervisory oversight on alert investigations and complex case reviews, and is suitable for a professional with deep hands-on experience in AML alert investigation and customer risk assessment.
Responsibilities
- Lead end-to-end transaction monitoring operations across L1 and L2 review teams, ensuring effective allocation, review, escalation and closure of AML alerts within prescribed TAT
- Provide supervisory oversight on alert investigations, customer and transaction profiling, linked-account analysis, counterparty review, adverse information, red flags and documented conclusions
- Review and approve complex or high-risk cases, including money mule, cybercrime/I4C, shell entity, layering, trade-based money laundering, cash-intensive, digital-channel, virtual-asset and cross-border transaction typologies
- Ensure potentially suspicious cases are escalated promptly, Grounds of Suspicion are complete and factually accurate, and STR recommendations are supported by adequate evidence and audit trails
- Monitor daily productivity, ageing, TAT breaches, branch referrals, reverts, STR pipeline, quality observations and backlog; initiate corrective actions and report material issues to senior management
- Implement prioritisation and maker-checker controls for high-risk alerts and ensure consistent decision-making across analysts, reviewers and supervisors
- Coordinate with branches, business units, Fraud Risk, Operations, Legal, IT, Data/Analytics and other stakeholders for enhanced due diligence, information gathering and case resolution
- Support AML scenario reviews, threshold tuning, alert optimisation, UAT, system enhancements and data-quality remediation while ensuring that control effectiveness is not diluted
- Identify emerging ML/TF typologies, regulatory developments and operational gaps; translate them into alerts, advisories, process changes, training inputs and targeted reviews
- Lead responses for RBI/FIU-IND inspections, internal audits, compliance testing and quality reviews, including timely closure of observations and sustainable remediation
- Develop team capability through coaching, case discussions, calibration sessions, quality feedback, succession planning and structured training
- Maintain SOPs, process notes, governance trackers, dashboards and management MIS; provide clear insights on risk trends, control performance and required interventions
Requirements
- Deep hands-on experience in AML alert investigation, customer risk assessment, enhanced due diligence, suspicious activity identification, GOS drafting and STR escalation
- Ability to lead sizable operational teams, manage competing priorities, enforce TAT and quality standards, and handle escalations with sound risk judgement
