Senior Analyst – Complex Investigations

This is a fully remote position, open to applicants in Arizona, +2 more states.

📋 Description

• Conduct thorough and independent investigations that are complex and high-risk across various products and customer categories, including multi-account, multi-entity, and cross-product issues.

• Manage ongoing reviews of repeated SAR subjects, continuing activities, and matters referred by examiners.

• Evaluate transactional data, KYC/CDD, and information from open sources to arrive at defensible investigative conclusions.

• Recognize and escalate systemic or thematic risks, unusual typologies, and potential control deficiencies.

• Compose clear, comprehensive, and defensible SAR narratives and decision-making documentation.

• Ensure that investigative records comply with the five-element documentation baseline and meet internal quality requirements.

• Prepare Continuing Activity Reports (CARs) and assist with investigative activities related to 314(a)/314(b), OFAC, and PEP.

• Consistently apply routing and escalation guidelines within established quality and escalation frameworks.

• Collaborate with QC/QA teams to remedy defects and highlight systemic trends.

• Act as a subject-matter expert on advanced typologies and investigative methodologies.

• Provide informal mentoring, case evaluations, and peer reviews for less experienced analysts.

• Assist with onboarding and training programs.

• Enhance procedures, desktop guidelines, checklists, and reference materials.

• Coordinate with AML, Fraud, Sanctions, Compliance Advisory, Legal, and Technology partners.

• Support regulatory audits, internal assessments, and validation efforts by preparing case artifacts and responding to information requests.

⛳️ 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.

• Advanced certifications (such as CFE, CFCS) are a plus.

• Over 5 years of experience in BSA/AML, Sanctions, or Fraud investigations, which includes handling complex or high-risk cases and SAR filings.

• Proven ability to independently investigate multi-account, multi-entity, and cross-product issues.

• Strong understanding of financial crime typologies.

• Familiarity with transaction monitoring systems (e.g., Actimize, FCRM).

• Experience with watchlist/screening tools (e.g., Bridger).

🏝️ Benefits

• Annual performance-based incentive opportunity.

• Health insurance coverage.

• 401(k) retirement benefits.

• Life insurance options.

• Disability benefits.

• Paid time off.

• A comprehensive benefits package for eligible employees.