AML Investigations Specialist

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

📋 Description

• Evaluate and manage transaction monitoring and screening alerts within service level agreements (SLA).

• Perform comprehensive AML, sanctions, fraud, and financial crime investigations throughout customer onboarding, transaction monitoring, and post-transaction assessments.

• Assess customer activities, transaction behaviors, device intelligence, payment processes—including blockchain where relevant—and external intelligence to detect suspicious activities.

• Report potentially suspicious activities and create clear, well-supported investigative summaries along with SAR recommendations.

• Conduct Enhanced Due Diligence and adverse media investigations on higher-risk customers and transactions.

• Recognize and report on emerging trends in money laundering, fraud, sanctions evasion, mule accounts, and synthetic identity issues pertinent to fintech and cross-border payments.

• Provide insights to Product, Data, and Risk teams regarding rule effectiveness and instances of false positives.

• Utilize AI tools responsibly to enhance investigation quality, research, documentation, and productivity while upholding sound investigative judgment.

• Create and update investigation procedures, standard operating procedures (SOPs), memos, and knowledge articles.

• Assist in the collaborative operating model among FinCrime, Fraud, and Compliance Operations, including recording handoffs and escalation pathways.

• Engage in regulatory examinations, audits, internal quality assurance reviews, and periodic training activities as necessary.

• Contribute to the development of a more 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 high-paced financial institution is highly preferred.

• Strong grasp of AML/BSA principles, customer due diligence, transaction monitoring, sanctions screening, and investigations of suspicious activities.

• Exceptional analytical and investigative abilities, with a talent for correlating multiple data points into coherent, evidence-based conclusions.

• Proficient written communication skills, especially for documenting investigative cases.

• Experience in drafting operational documents, such as procedures, case templates, or internal memos.

• Comfortable navigating large datasets, various systems, and evolving investigative tools.

• Inquisitive, proactive, and adept at functioning amid uncertainty while exercising sound risk judgment.

• Proven ownership, meticulous attention to detail, and a mindset geared towards continuous improvement.

• Proficiency in written and spoken English; Spanish language skills are highly desirable.

• CAMS or a comparable financial crime certification.

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

• Experience using AI assistants or LLMs to expedite research, investigations, documentation, or operational processes.

• Familiarity with data analytics, prompt engineering, workflow automation, or low-code/no-code platforms.

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

• Direct experience collaborating with Product, Engineering, or Data Science teams.

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

• Enthusiasm for leveraging technology to transform 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 a future transition to a hybrid setup

• Empowering opportunities for growth in a dynamic entrepreneurial environment