Consumer Transaction Monitoring Investigator II

Guidehouse•San Antonio, TX

About The Position

The Consumer Transaction Monitoring Investigator II performs AML alert and case reviews to mitigate risks associated with financial crimes and suspicious activity. The role applies research and analytical techniques to complex information to make logical, well-supported determinations about unusual or potentially suspicious activity. It conducts end-to-end reviews of potential illegal or suspicious activity, including time-sensitive analysis of potential AML and suspicious financial activity across jurisdictions and countries. The investigator assesses customer profiles and client data, documents findings in narrative form in manual and automated case-management systems, updates project managers or team leads as appropriate, and determines whether potential Suspicious Activity Report (SAR) filings are warranted.

Requirements

Bachelor's degree and at least 4 years of relevant experience in Transaction Monitoring and SAR preparation; relevant experience may substitute for formal education or an advanced degree.
Knowledge of applicable laws, regulations, and guidelines, such as BSA, OFAC, and FinCEN guidance.
Experience working with manual and system-generated alerts or cases to detect potentially suspicious activity.
Ability to assess risks and identify deviations.
Knowledge of reporting requirements related to suspicious activity reports and transaction activity.
Ability to detect and mitigate financial-crime red flags, including money laundering, terrorism financing activities, and fraud in transactional data.
Solid Excel skills.

Nice To Haves

At least 5 years of experience assessing and reviewing system-generated and manual AML alerts, escalations, or SAR write-ups for potentially suspicious activity.
CAMS or ICA certification.
Experience with OSINT (Open Source Intelligence) techniques.
End-to-end understanding of Transaction Monitoring, KYC, Screening, Fraud Operations, jurisdiction-specific SAR filing, and narrative preparation, including documentary and non-documentary verification, relevant policy, nature of business, source of wealth or funds, and customer screening against sanctions, PEP, and adverse media watchlists.
Ability to conduct detailed investigations using vendors and open sources to remediate compliance alerts and independently research, analyze, and recommend solutions to close open items and discrepancies.

Responsibilities

Perform AML alert and case reviews to help mitigate financial-crime and suspicious-activity risks.
Analyze complex information and make logical, adequately supported determinations about unusual or potentially suspicious activity.
Conduct end-to-end, meticulous reviews of potential illegal or suspicious activity.
Complete time-sensitive analyses of potential AML and suspicious financial activity across multiple jurisdictions and countries.
Assess customer profiles and client data to determine whether activity is consistent with typical purchasing and payment activity, including adherence to Acceptable Use Policy and Know Your Customer requirements.
Document findings in narrative format in manual and automated case-management systems.
Prepare updates for Project Managers and Team Leads as appropriate.
Determine whether potential Suspicious Activity Report (SAR) filings are warranted.