AML Compliance Analyst

This is a fully remote position, open to applicants in India.

📋 Description

• Assist Alpaca Securities in managing its BSA/AML, sanctions, anti-fraud, and securities surveillance initiatives.

• Work collaboratively with teams across the globe to enhance the Financial Crimes program and pinpoint risks related to CIP/KYC, AML, anti-fraud, and fraud monitoring efforts.

• Investigate potentially suspicious activities by analyzing transaction monitoring alerts, escalations, and referrals.

• Ensure completion of transaction monitoring alerts, regulatory submissions, and case investigations within specified deadlines and service level agreements (SLAs).

• Conduct screenings of individuals, entities, and transactions against OFAC, global sanctions, PEP, enforcement, and adverse media watchlists.

• Review and respond to FinCEN 314(a) and 314(b) requests, as well as law enforcement inquiries and regulatory questions.

• Improve transaction monitoring rules, policies, procedures, controls, and risk management frameworks.

• Keep detailed and defensible audit trails for investigations, alert outcomes, and compliance decisions.

• Identify and report critical risks, emerging trends, and compliance deficiencies to management.

• Prepare SAR recommendations and narratives while supporting approved SAR submissions to FinCEN.

• Assist in risk assessments, remediation efforts, external audits, examinations, and interactions with regulators.

• Stay updated on regulatory changes, financial crime typologies, trading patterns, and regulatory expectations.

• Perform CIP/KYC, CDD, and EDD reviews.

• Assess source of funds, source of wealth, occupation, expected activity, and customer intent.

• Manage and resolve AML, sanctions, and securities-surveillance alerts comprehensively.

• Support due diligence and ongoing monitoring of introducing brokers, omnibus partners, correspondents, and other intermediaries.

⛳️ Requirements

• 3–5 years of experience in Financial Crime/AML investigations.

• In-depth understanding of U.S. regulatory frameworks, including BSA/AML, USA PATRIOT Act, and SEC/FINRA regulations.

• Familiarity with trading activities and financial crime typologies such as spoofing, layering, wash trading, front-running, insider trading, fraud, and manipulative order behaviors.

• Capability to recognize and escalate unusual activities while documenting investigations in a clear, concise, and audit-ready manner.

• Strong investigative writing skills for creating case narratives and SAR recommendations.

• Excellent analytical abilities, sound judgment, attention to detail, and the capacity to manage multiple tasks and deadlines effectively.

• Experience with transaction-monitoring, sanctions-screening, case-management, fraud-monitoring, or securities-surveillance systems.

• Ability to work independently and adjust to changing business and regulatory landscapes.

• Experience in conducting open-source intelligence research and evaluating public records, adverse media, corporate data, and other investigative resources.

• Working knowledge of both domestic and international payment systems.

• Ability and willingness to overlap significantly with U.S. Eastern Time.

🏝️ Benefits

• Competitive Salary & Stock Options.

• Health Benefits.

• New Hire Home-Office Setup: One-time USD $500.

• Monthly Stipend: USD $150 per month via a Brex Card.