Compliance Specialist – AML

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

📋 Description

• Analyze and resolve intricate transaction monitoring alerts involving accounts, transfers, cards, foreign exchange, stablecoins, and investment activities.

• Oversee alert queues, prioritize investigations, and ensure compliance with regulatory and operational turnaround times.

• Implement real-time payment holds, interdictions, and releases when financial crime risks are detected.

• Examine cases related to money laundering, money mule networks, APP fraud, account takeovers, suspicious business activities, and cryptocurrency-related risks.

• Prepare and recommend suspicious activity reports (SARs/STRs) for submission to the appropriate financial intelligence units and partner banks.

• Address law enforcement requests, regulatory inquiries, and information requests (RFIs) from partner banks.

• Suggest customer restrictions, account closures, and enhanced due diligence (EDD) based on investigation outcomes.

• Evaluate transaction monitoring performance, identify trends in false positives, and propose enhancements to detection rules and thresholds.

• Recognize emerging financial crime typologies and convert investigation results into effective monitoring scenarios.

• Assist in the validation, testing, and periodic review of transaction monitoring rules.

• Perform quality assurance on investigations and provide coaching to analysts to enhance decision-making and case documentation.

• Maintain financial crime procedures, investigation playbooks, and typology libraries.

• Compile management information (MI) and support compliance committee reporting, audits, regulatory examinations, and partner bank evaluations.

• Mentor junior analysts and integrate investigation insights back into scenario tuning.

⛳️ Requirements

• Minimum of 5 years of professional experience in transaction monitoring or financial crime investigations, with at least 3 years in a fintech, banking, electronic money institution, money services business, IMTO, or payments company.

• Proven experience in drafting suspicious activity reports or suspicious transaction reports submitted to an FIU or partner bank.

• Proficient understanding of AML/CFT regulations in at least two of the following: Nigeria (CBN, NFIU), Canada (FINTRAC), US (BSA, OFAC), or UK (MLR 2017).

• Experience with cross-border typologies including mule networks, APP fraud proceeds, trade-based laundering, and card fraud.

• Practical experience with a transaction monitoring or case management platform (e.g., Unit21, ComplyAdvantage, Hummingbird, Sardine, or Flagright).

• SQL or similar skills for independent transaction data querying.

• Ability to write clearly and exercise sound judgment under pressure.

• ACAMS (CAMS), ICA Diploma, or CFE certification.

• Familiarity with blockchain analytics tools (Chainalysis) and stablecoin transactions.

• Knowledge of card scheme regulations, chargebacks, and Mastercard fraud monitoring programs.

• Experience assisting with regulatory examinations or partner bank audits.

• Understanding of payment typologies specific to India or the Philippines.

🏝️ Benefits

• Remote-friendly work environment.

• Health insurance coverage.

• Training budget for professional development.

• Team-building events to foster collaboration.

• Opportunities for career growth.

• Paid time off for work-life balance.