AML Investigations Specialist

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

📋 Description

• Assess and manage transaction monitoring and screening alerts within established SLAs.

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

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

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

• Conduct Enhanced Due Diligence (EDD) and adverse media research for higher-risk customers and transactions.

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

• Provide insights to Product, Data, and Risk teams regarding rule efficacy and false positive instances.

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

• Create and update investigative procedures, SOPs, memos, and knowledge articles.

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

• Engage in regulatory examinations, audits, internal QA assessments, and periodic training activities as necessary.

• 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.

• Experience in a fintech, payments firm, digital banking, crypto platform, or other fast-paced financial institutions is highly preferred.

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

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

• Strong written communication skills, particularly in crafting investigative case documentation.

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

• Proficient in handling large datasets, navigating various systems, and adapting to evolving investigative tools.

• Inquisitive, proactive, and adept at working in ambiguous situations while maintaining sound risk judgment.

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

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

• CAMS or an equivalent financial crime certification is preferred.

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

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

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

• Experience with case management platforms or workflow automation tools is an advantage.

• Previous collaboration with Product, Engineering, or Data Science teams is preferred.

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

• Enthusiasm for utilizing technology to innovate financial crime investigation processes is preferred.

🏝️ 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 transition to a hybrid setup

• Empowering opportunities for growth within a dynamic entrepreneurial environment