Compliance-AML Analyst

Netspend•Austin, TX

20h

About The Position

Netspend Corporation is a global, vertically integrated financial services and technology company that provides financial empowerment solutions, including prepaid, debit, cross-border payment, and loyalty products. The company is headquartered in Austin, Texas, and has employees worldwide. The Anti-Money Laundering (AML) Analyst conducts investigative research and regulatory compliance reviews under the Bank Secrecy Act (BSA) and USA PATRIOT Act. The position helps detect, investigate, and mitigate financial crimes—including money laundering, terrorist financing, identity theft, and suspicious transaction patterns—and safeguards the organization from legal, regulatory, operational, and reputational risk. The role operates in a fast-paced, dynamic, rigorously examined environment and a metric-driven, production-based setting. The analyst investigates account activity, analyzes transaction data, conducts enhanced due diligence, and prepares regulatory filings. The role collaborates with AML and Fraud teams, internal stakeholders, and external banking partners, while maintaining documentation standards and identifying opportunities to improve processes and monitoring rules.

Requirements

Intermediate proficiency in Microsoft Excel.
Strong analytical and critical-thinking skills, including the ability to solve problems of moderate scope and identify high-risk anomalies.
High-level written communication skills, particularly in authoring clear, concise investigative narratives.
Ability to work independently with minimal oversight on routine workflows and adapt to shifting priorities and tight regulatory deadlines.
Discretion and integrity in handling sensitive financial information under the highest degree of confidentiality.

Nice To Haves

Bachelor’s degree preferred; a degree emphasizing intensive research, technical writing, and data analysis may be considered in lieu of direct experience.
At least 1 year of direct BSA/AML investigative or transaction-monitoring experience preferred.
Certified Anti-Money Laundering Specialist (CAMS) or Certified Fraud Examiner (CFE) certification preferred.
Hands-on experience with financial core processing systems and specialized AML monitoring platforms such as Actimize strongly preferred.

Responsibilities

Conduct comprehensive investigations using multiple systems, internal databases, and external reports to identify unusual transaction patterns and suspicious activity across company-managed programs and agents.
Perform Enhanced Due Diligence (EDD) on high-risk customers and load exception requests.
Interview customers, relationship managers, and business partners as needed to establish the purpose of account activity.
Use professional judgment to resolve investigations within defined procedures and escalate complex matters to management when warranted.
Execute queries and analyze complex transaction records against baseline customer profiles.
Synthesize data from multiple sources to identify high-risk transactional, geographic, customer-type, and product-based attributes.
Research, draft, and file narrative-driven Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) in alignment with BSA and AML standards.
Collect supporting documentation and prepare recommendations for SAR filings or bank referrals for AML Leadership review.
Partner with internal AML and Fraud teams to assess card activity risks, track evolving fraud trends, and minimize loss exposure.
Build working relationships with internal stakeholders and external banking partners to evaluate compliance risk.
Identify process gaps and recommend modifications to internal workflows and monitoring rules.
Maintain strict adherence to documentation standards in a metric-driven, production-based environment.