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 uses research and analytical techniques to assess complex information and make logical, well-supported determinations about unusual or potentially suspicious activity. The investigator conducts end-to-end reviews of potential illegal or suspicious activity, including time-sensitive analysis of potential anti-money laundering and suspicious financial activity across multiple jurisdictions and countries. The role assesses customer profiles and client data against typical purchasing and payment activity, Acceptable Use Policy requirements, and Know Your Customer efforts; documents findings in narrative format in manual and automated case-management systems; provides updates to project managers and 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 and/or escalations and 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 narratives, 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 mitigate risks associated with financial crimes and suspicious activity.
Research and analyze complex information to 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 anti-money laundering and suspicious financial activity across multiple jurisdictions and countries.
Assess customer profiles and client data to determine whether activity aligns with typical purchasing and payment activity, Acceptable Use Policy adherence, and Know Your Customer efforts.
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.

Benefits

Medical, prescription, dental, and vision insurance
Personal and family sick time and company-paid holidays
Position may be eligible for a discretionary variable incentive bonus
Parental leave
401(k) retirement plan
Basic life and supplemental life insurance
Health Savings Account and dental, vision, and dependent-care Flexible Spending Accounts
Short-term and long-term disability
Tuition reimbursement, personal development, and learning opportunities
Skills development and certifications
Employee referral program
Corporate-sponsored events and community outreach
Emergency back-up childcare program