AML Investigations Specialist

• Review and disposition transaction monitoring and screening alerts within SLA.
• Conduct end-to-end AML, sanctions, fraud, and financial crime investigations across customer onboarding, transaction monitoring, and post-transaction reviews.
• Analyze customer activity, transactional behavior, device intelligence, payment flows, including blockchain where applicable, and external intelligence to identify suspicious activity.
• Escalate potentially suspicious activity and prepare clear, well-supported investigative summaries and SAR recommendations.
• Perform Enhanced Due Diligence and adverse media research on higher-risk customers and transactions.
• Identify and escalate emerging money laundering, fraud, sanctions evasion, mule account, and synthetic identity patterns relevant to fintech and cross-border payments.
• Provide feedback to Product, Data, and Risk teams on rule performance and false positives.
• Use AI tools responsibly to improve investigation quality, research, documentation, and productivity while maintaining sound investigative judgment.
• Draft and maintain investigation procedures, SOPs, memos, and knowledge articles.
• Support the joint operating model between FinCrime, Fraud, and Compliance Operations, including documenting handoffs and escalation paths.
• Participate in regulatory examinations, audits, internal QA reviews, and periodic training activities, as required.
• Contribute to building an increasingly automated, intelligence-driven Financial Crimes function.

• 3–5 years of experience in AML investigations, transaction monitoring, fraud investigations, sanctions compliance, or financial crime operations.
• Experience within a fintech, payments company, digital bank, crypto platform, or other fast-paced financial institution strongly preferred.
• Strong understanding of AML/BSA concepts, customer due diligence, transaction monitoring, sanctions screening, and suspicious activity investigations.
• Excellent analytical and investigative skills with the ability to connect multiple data points into clear, evidence-based conclusions.
• Strong written communication skills, particularly for investigative case documentation.
• Experience writing operational documentation, such as procedures, case templates, or internal memos.
• Comfortable working with large datasets, multiple systems, and evolving investigative tools.
• Curious, proactive, and comfortable operating with ambiguity while maintaining sound risk judgment.
• Demonstrated ownership, attention to detail, and continuous improvement mindset.
• Fluency in written and spoken English; Spanish proficiency is highly desirable.
• CAMS or an equivalent financial crime certification.
• Experience investigating cross-border payments, remittances, fintech, digital wallets, cryptocurrency, or embedded finance products.
• Experience working with AI assistants or LLMs to accelerate research, investigations, documentation, or operational workflows.
• Familiarity with data analytics, prompt engineering, workflow automation, or low-code/no-code tools.
• Experience using case management platforms or workflow automation tools is a plus.
• Experience working directly with Product, Engineering, or Data Science teams.
• Experience supporting regulatory examinations or responding to law enforcement requests.
• Passion for using technology to rethink how financial crime investigations are performed.

• 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 a future transition to a hybrid setup
• Empowering opportunities for growth in a dynamic entrepreneurial environment