AML Investigations Specialist

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

📋 Description

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

• Execute comprehensive AML, sanctions, fraud, and financial crime investigations related to customer onboarding, transaction monitoring, and post-transaction evaluations.

• Examine customer activities, transactional patterns, device intelligence, payment flows—including blockchain when relevant—and external intelligence to detect suspicious behavior.

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

• Conduct Enhanced Due Diligence and adverse media investigations for high-risk customers and transactions.

• Detect and report emerging patterns related to money laundering, fraud, sanctions evasion, mule accounts, and synthetic identities pertinent to fintech and international payments.

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

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

• Create and update investigation procedures, Standard Operating Procedures (SOPs), memos, and knowledge articles.

• Collaborate on the joint operating model involving FinCrime, Fraud, and Compliance Operations, including documenting handoffs and escalation routes.

• Engage in regulatory inspections, audits, internal quality assurance reviews, and training sessions as needed.

• Play a role in developing 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.

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

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

• Exceptional analytical and investigative abilities with the skill to synthesize multiple data points into coherent, evidence-based conclusions.

• Strong written communication skills, especially in preparing investigative case documentation.

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

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

• Inquisitive, proactive, and comfortable working in uncertain situations 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.

• These are the required qualifications, although equivalent expertise in any of the aforementioned areas will also be considered.

• CAMS or an equivalent certification in financial crime is preferred.

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

• Familiarity with using AI assistants or large language models (LLMs) to enhance research, investigations, documentation, or operational processes.

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

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

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

• Past involvement in supporting regulatory inspections or responding to law enforcement inquiries.

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

🏝️ 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 shift to a hybrid arrangement

• Empowering opportunities for growth in a dynamic entrepreneurial environment