Lead Analyst, Transaction Monitoring

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

📋 Description

• Conduct investigations into intricate cases of money laundering, terrorist financing, and other financial crime typologies by examining customer behavior, transaction activities, payment methods, devices, and account relationships.

• Utilize internal systems, payment processor tools, and analytical platforms to analyze transactions and identify indicators of financial crime.

• Evaluate extensive and complex datasets to pinpoint emerging trends in financial crime, coordinated activities, and areas for enhancing transaction monitoring controls.

• Spearhead investigations into intricate donations, fundraisers, organizers, beneficiaries, and donors to detect suspicious, unusual, or potentially high-risk activities.

• Determine whether suspicious activities should be escalated internally under AML/CTF procedures or can be reasonably explained and mitigated.

• Review investigations performed by Transaction Monitoring Analysts for quality, documentation, and compliance with regulatory standards.

• Offer coaching, mentorship, and day-to-day guidance to Transaction Monitoring Analysts.

• Provide constructive feedback and identify areas for knowledge enhancement or training opportunities.

• Drive the development and ongoing improvement of transaction monitoring rules, procedures, typologies, documentation standards, and quality frameworks.

• Prepare investigation documents for internal reviews, audits, and regulatory reporting.

• Collaborate with internal stakeholders to investigate and mitigate financial crime risks.

• Remain updated on emerging financial crime trends, regulatory changes, and best practices within the industry.

• Assist with audits, regulatory assessments, internal reporting, and strategic initiatives.

• Lead or co-lead cross-functional projects with Product, Legal, Compliance, or Trust & Safety teams.

• Act as a trusted liaison for cross-functional stakeholders.

• Review sensitive materials, including potentially distressing images, videos, text, offensive language, violence, exploitation, or self-harm content.

• Participate in scheduled weekend and holiday shifts and provide on-call emergency coverage as required.

⛳️ Requirements

• A minimum of 6 years of experience in financial crime investigations, transaction monitoring, or payments risk.

• A Bachelor’s degree or equivalent experience is preferred.

• Strong proficiency in data analysis tools such as Looker, SQL, and Excel, in addition to transaction monitoring systems.

• Comprehensive understanding of AML and ATF legislation and associated regulatory expectations.

• Experience in conducting complex investigations related to money laundering, terrorist financing, fraud, or organized financial crime.

• Background in reviewing investigations, providing quality assurance, coaching colleagues, or serving as a subject matter expert.

• Strong analytical and critical thinking abilities to identify complex behavioral patterns across various data sources.

• Excellent written and verbal communication skills for effectively presenting findings to both technical and non-technical audiences.

• High ethical standards and discretion in handling sensitive information.

• Ability to anticipate, adapt, and respond to sensitive and evolving situations while managing competing priorities.

• Familiarity with machine learning or AI-driven fraud detection tools and related regulations.

• Strong alignment with GoFundMe’s core values.

• Professional certifications like CAMS or equivalent are preferred.

• Experience with Transaction Monitoring, Regulatory Reporting, Suspicious Transaction Reports, or Financial Intelligence Units is preferred.

• Fluency in another EU language is preferred.

🏝️ Benefits

• Competitive salary

• Comprehensive healthcare benefits

• Financial support for hybrid work

• Financial assistance for family planning

• Generous parental leave

• Flexible time-off policies

• Mental health and wellness resources

• Learning, development, and recognition programs

• Diversity, equity, and inclusion initiatives

• Employee resource groups

• Volunteering and community engagement programs

• Equity options