Compliance Investigation Analyst

MoneyGram

18h•Remote

About The Position

The Compliance Investigation Analyst helps ensure MoneyGram operates in accordance with legal and regulatory requirements and group standards relating to anti-money laundering (AML), counter-financing of terrorism (CFT), and fraud prevention. The analyst investigates and identifies questionable activity and reports it when warranted, while keeping current with industry and fraud trends, their operational impact, and regulatory changes relevant to the business. The role reviews transactional data and investigative leads from sources including alert detection processes, subpoenas and warrants, country and corridor reviews, agent matters, consumer network cases, and negative media. It manages investigations from initial detection through disposition and filing, prepares Suspicious Activity Reports (SARs), documents research in accordance with recordkeeping requirements, and completes regulatory filings and other mitigation actions within required service-level timelines. The analyst also coordinates with internal departments, team members, managers, supervisors, and senior analysts on investigations and contributes to improving analytical and reporting processes.

Requirements

Bachelor's degree in business, finance, law enforcement, legal studies, or a related field, or equivalent work experience in financial services, law enforcement, banking, or a related field.
2–5 years of experience in financial compliance investigations, anti-money laundering, fraud prevention, or a related field.
Demonstrated ability to work in a fast-paced, highly structured, deadline-driven culture.
Excellent organization and time-management skills, including the ability to prioritize assignments as priorities change.
Self-starter with strong attention to detail.
Ability to work independently or as part of a team with minimal supervision.
Ability to multitask and complete projects on time.
Exceptional research, analytical, cross-referencing, and deductive reasoning skills.
Excellent written and verbal communication skills for interacting with internal and external clients at various levels, including senior leadership and law enforcement.
Proactive approach to suggesting process and procedure enhancements that mitigate risk in a changing regulatory environment.
Ability to communicate effectively with a culturally diverse agent and consumer base.
Experience working with highly confidential information.
Ability to share knowledge, mentor, and train team members.
Strong sense of ownership and responsibility.
Proficiency in Microsoft Office.

Nice To Haves

Relevant education and experience combinations and/or professional designations or certifications in the field.
Investigations experience in a Money Service Business.
At least 1 year of experience writing and preparing Suspicious Activity Reports (SARs) or similar reports in accordance with applicable regulatory requirements.
CAMS or CFE certification.
Intermediate knowledge of laws applicable to money laundering, including the BSA, USA PATRIOT Act, US Treasury AML guidelines, OFAC requirements, and Suspicious Activity Reporting requirements, and/or global AML/CFT/fraud laws and regulations.
Knowledge of domestic and international high-risk countries, jurisdictions, and corridors of AML/CTF concern.

Responsibilities

Review and analyze transactional data and investigative leads for potentially suspicious activity from alerts, subpoenas and warrants, country and corridor reviews, agent matters, consumer network cases, negative media, and other applicable sources.
Use complex data sources and technical analytical tools to identify activity that may be unusual or suspicious under AML/BSA regulations and industry best practices.
Identify, research, and report suspicious activity, managing investigations from initial detection through disposition and filing.
Review reports and investigative leads thoroughly and promptly.
Formulate and recommend responses to potentially suspicious findings, report activity to appropriate regulatory authorities, and support forward-looking risk mitigation.
Complete investigation outputs, including regulatory filings and other mitigation actions, within required SLA timelines.
Support managers, supervisors, and senior analysts with moderately complex AML and fraud investigations, coordinating with team members and other departments on appropriate actions under applicable global regulatory, law enforcement, or Financial Intelligence Unit requirements.
Write and file Suspicious Activity Reports and apply appropriate risk mitigation measures.
Document research and analysis in accordance with applicable recordkeeping guidelines.
Liaise with internal departments as needed.
Contribute to a collaborative team environment and help improve analytical and reporting processes.
Perform other duties and responsibilities as assigned.