Analyst, BSA/AML Operations

This is a fully remote position, open to applicants in Arizona, +5 more states.

📋 Description

• Conduct investigations on alerts and cases generated from transaction monitoring systems concerning merchant acquiring activities.

• Examine transaction data at the merchant level to detect anomalies and potential red flags.

• Identify and analyze typologies specific to merchant acquiring.

• Accurately and promptly prepare and submit SARs and CTRs.

• Review and investigate referrals and escalations from partners.

• Clearly and accurately document investigative findings within case management systems.

• Adhere to defined SLAs, productivity expectations, and quality standards.

• Escalate high-risk or complex issues to the Manager.

• Keep updated on BSA/AML and OFAC regulations.

• Collaborate with peers in BSA/AML, Fraud Operations, and partner oversight teams.

⛳️ Requirements

• A bachelor’s degree is required (in Finance, Criminal Justice, Accounting, Business, or a related field).

• CAMS or an equivalent AML certification is highly preferred.

• 1–3 years of experience in BSA/AML investigations, transaction monitoring, fraud operations, or financial crimes compliance; experience in merchant acquiring or payments is strongly preferred.

• Understanding of merchant acquiring risks, including transaction laundering, MCC misclassification, chargeback fraud, and prohibited merchant categories.

• Familiarity with Actimize, FCRM, or similar transaction monitoring and case management systems.

• Strong analytical skills with the ability to interpret transaction data, recognize patterns, and communicate findings effectively.

• Working knowledge of BSA/AML regulations, SAR/CTR filing requirements, and FinCEN guidance.

• Excellent written communication skills, particularly in drafting SAR narratives.

🏝️ Benefits

• Health insurance

• 401(k) retirement benefits

• Life insurance

• Disability benefits

• Paid time off