AML Investigations Specialist

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

📋 Description

• Review and manage transaction monitoring and screening alerts within the specified SLA.

• Conduct comprehensive investigations related to AML, sanctions, fraud, and financial crimes throughout customer onboarding, transaction monitoring, and post-transaction assessments.

• Analyze customer activities, transactional behaviors, device intelligence, payment flows—including blockchain applications—and external intelligence to detect suspicious activities.

• Escalate potentially suspicious actions and prepare clear, well-supported investigative summaries along with SAR recommendations.

• Perform Enhanced Due Diligence (EDD) and adverse media research on customers and transactions deemed higher risk.

• Identify and escalate emerging patterns related to money laundering, fraud, sanctions evasion, mule accounts, and synthetic identities relevant to fintech and cross-border payments.

• Provide constructive feedback to Product, Data, and Risk teams regarding rule performance and false positive occurrences.

• Utilize AI tools responsibly to enhance the quality of investigations, research, documentation, and productivity while exercising sound investigative judgment.

• Draft and maintain investigation procedures, Standard Operating Procedures (SOPs), memos, and knowledge articles.

• Support collaboration between FinCrime, Fraud, and Compliance Operations, including documenting handoffs and escalation processes.

• Participate in regulatory examinations, audits, internal QA reviews, and periodic training activities as needed.

• Contribute to the development of an increasingly automated, intelligence-driven Financial Crimes function.

⛳️ Requirements

• 3–5 years of experience in AML investigations, transaction monitoring, fraud investigations, sanctions compliance, or financial crime operations.

• Experience in a fintech, payments company, digital bank, crypto platform, or other fast-paced financial institution is strongly preferred.

• Strong understanding of AML/BSA concepts, customer due diligence, transaction monitoring, sanctions screening, and suspicious activity investigations.

• Excellent analytical and investigative skills, with the ability to synthesize multiple data points into clear, evidence-based conclusions.

• Strong written communication skills, particularly for documenting investigative cases.

• Experience in creating operational documentation, such as procedures, case templates, or internal memos.

• Proficient in working with large datasets, various systems, and evolving investigative tools.

• Curious, proactive, and able to work with ambiguity while maintaining sound risk judgment.

• Demonstrated sense of ownership, attention to detail, and a mindset geared towards continuous improvement.

• Fluency in written and spoken English; proficiency in Spanish is highly desirable.

• CAMS or an equivalent financial crime certification is preferred.

• Experience investigating cross-border payments, remittances, fintech, digital wallets, cryptocurrency, or embedded finance products.

• Familiarity with AI assistants or LLMs to expedite research, investigations, documentation, or operational workflows.

• Knowledge of data analytics, prompt engineering, workflow automation, or low-code/no-code tools is beneficial.

• Experience with case management platforms or workflow automation tools is a plus.

• Experience collaborating directly with Product, Engineering, or Data Science teams.

• Experience supporting regulatory examinations or responding to law enforcement inquiries.

• Passion for leveraging technology to innovate financial crime investigations.

🏝️ Benefits

• Initial stock options grant

• Annual performance bonus

• Health, dental, and vision plans

• Continuous learning opportunities

• Unlimited PTO

• Paid parental leave

• Work model: currently fully remote, with plans for a future hybrid setup

• Opportunities for growth in a dynamic entrepreneurial environment