AML Investigations Specialist

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

📋 Description

• Review and address transaction monitoring and screening alerts within the established service level agreements (SLA).

• Conduct comprehensive investigations related to AML, sanctions, fraud, and financial crime during customer onboarding, transaction monitoring, and post-transaction reviews.

• Examine customer activities, transaction behaviors, device intelligence, payment flows (including blockchain when applicable), and external intelligence to detect suspicious activities.

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

• Execute Enhanced Due Diligence and conduct adverse media investigations on customers and transactions considered to be high-risk.

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

• Provide insights to Product, Data, and Risk teams regarding rule performance and false positives.

• Responsibly utilize AI tools to enhance investigation quality, research efficiency, documentation, and productivity, all while exercising sound investigative judgment.

• Draft and maintain procedures for investigations, SOPs, memos, and knowledge articles.

• Support the collaborative operating model among FinCrime, Fraud, and Compliance Operations, including documenting handoffs and escalation pathways.

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

• Contribute to the development of a more automated and intelligence-driven Financial Crimes function.

⛳️ Requirements

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

• Preferred experience within a fintech, payments company, digital bank, crypto platform, or other fast-paced financial institutions.

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

• Exceptional analytical and investigative abilities, with a knack for connecting various data points into clear, evidence-based conclusions.

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

• Experience in drafting operational documentation, including procedures, case templates, or internal memos.

• Comfortable working with extensive datasets, multiple systems, and evolving investigative tools.

• Inquisitive, proactive, and able to navigate ambiguity while maintaining sound risk judgment.

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

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

• CAMS or an equivalent financial crime certification is preferred.

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

• Familiarity with working alongside AI assistants or LLMs to enhance research, investigations, documentation, or operational workflows is preferred.

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

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

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

• Experience assisting in regulatory examinations or responding to law enforcement inquiries is preferred.

• A passion for leveraging technology to innovate financial crime investigation processes.

🏝️ 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

• Empowering opportunities for growth in a dynamic entrepreneurial environment