AML Transaction Monitoring Associate

StoneX Group•Winter Park, FL

14h

About The Position

AML Surveillance and Transaction Monitoring is a critical control designed to detect and investigate activity that may be unusual or indicative of market manipulation, insider trading, money laundering, fraud, or other financial crimes. In this role, the individual is responsible for conducting Low-Priced Security and other transaction monitoring alert reviews, handling trade-related escalations and investigations, preparing supporting narratives for SAR filings, conducting enhanced due diligence, and participating in ad hoc projects as required. The role requires the use of internal and external investigative resources, analytical judgment, and effective research techniques to identify, assess, and escalate potential financial crime risks.

Requirements

Minimum 3-5 years of experience conducting AML transaction monitoring, trade surveillance reviews, investigations, enhanced due diligence, and/or remediation activities within a Broker Dealer is required.
Strong knowledge of securities products, including Equities, Fixed Income, Options, ETFs/ETPs, and related trading activity
Good understanding of transaction monitoring and surveillance scenarios, alert logic, and disposition methodologies
Experience conducting complex investigations, account activity reviews, and suspicious activity assessments
Ability to perform enhanced due diligence (EDD) and identify potential financial crime risks
Knowledge of AML, KYC, CIP, FinCEN, OFAC, USA PATRIOT Act, FINRA, and SEC regulatory requirements
Excellent analytical, investigative, and report-writing skills
Strong problem-solving and critical-thinking abilities
Working knowledge of broker-dealer operations and trade settlement processes, including asset movements, ACH, ACATS, DRS, DWAC, wires, and other money movement activity
Experience reviewing and investigating securities transactions, wire transfers, and other money movement activity for potential AML or market abuse concerns
Proficiency with case management and transaction monitoring systems (e.g., NICE Actimize, Oracle Mantas, or similar platforms)
Advanced working knowledge of Microsoft Excel
Experience using investigative and due diligence tools such as LexisNexis, World-Check, or similar platforms
Ability to work independently while contributing effectively within a collaborative AML team environment

Nice To Haves

Experience in digital assets is a plus
Power BI experience is a plus
CAMS certification preferred; candidates without CAMS generally required to obtain certification within the first 18 months of employment
Bachelor's degree in Finance, Business, Economics, Law, or a related field is preferred

Responsibilities

Review and investigate transaction monitoring alerts, including Low-Priced Securities, money movement, wire transfer, and other AML surveillance alerts
Analyze customer activity, account behavior, source of funds, and transactional patterns to identify unusual or potentially suspicious activity
Conduct investigations involving securities transactions, deposits, withdrawals, internal transfers, wires, and other money movement activity; determine appropriate disposition, escalation, or reporting requirements
Manage daily alert volumes and investigations, escalating matters to AML Management as appropriate
Document investigative findings, analysis, and disposition rationale in accordance with regulatory requirements and internal procedures
Prepare SAR narratives and supporting documentation
Conduct enhanced due diligence (EDD) reviews on higher-risk customers, transactions, and business relationships
Review and approve higher-risk wire transfers and money movement activity in accordance with established controls and escalation protocols
Investigate complex matters involving related accounts, common ownership, beneficial ownership structures, and interconnected transactional activity
Support FinCEN 314(a) requests and information-sharing initiatives under 314(b), as applicable
Utilize internal and external investigative tools, public records, and intelligence sources to support investigations
Maintain knowledge of AML typologies, broker-dealer risks, regulatory developments, and emerging financial crime trends
Partner with Compliance, Operations, Front Office, Legal, and other stakeholders to support investigations, escalations, and remediation efforts
Participate in AML-related projects, regulatory initiatives, model tuning, quality assurance reviews, and remediation activities