Consumer Transaction Monitoring Investigator

Guidehouse•San Antonio, TX

6d•Onsite

About The Position

The Consumer Transaction Monitoring Investigator reviews AML alerts and cases to mitigate risks associated with financial crime and suspicious activity. The role applies research and analytical techniques to complex information and produces logical, well-supported determinations about unusual or potentially suspicious activity. Investigations involve meticulous, end-to-end and time-sensitive analysis of potential illegal or suspicious financial activity across multiple jurisdictions and countries; review of customer profiles and client data for consistency with typical purchasing and payment activity, Acceptable Use Policy adherence, and Know Your Customer efforts; and documentation of findings in narrative form in manual and automated case-management systems. The investigator provides updates to Project Managers or Team Leads as appropriate and makes determinations about potential Suspicious Activity Report filings. The position requires working in the office five days per week. Travel is not required.

Requirements

High school diploma.
At least 1 year of relevant Transaction Monitoring experience.
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 transactional red flags for potential financial crime, including money laundering, terrorism financing, and fraud.
Solid Excel skills.
Ability to work in the office five days per week.

Nice To Haves

At least 2 years of experience assessing and reviewing system-generated and manual AML alerts, escalations, or SAR write-ups involving 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, independently research and analyze issues, and recommend solutions to close open items and discrepancies.

Responsibilities

Perform AML alert and case reviews to mitigate financial-crime and suspicious-activity risks.
Research and analyze complex information to make logical, adequately supported determinations about unusual or potentially suspicious activity.
Conduct consistent, well-documented, end-to-end reviews of potential illegal or suspicious activity.
Complete time-sensitive analysis of potential AML or 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, Acceptable Use Policy adherence, and Know Your Customer efforts.
Document findings in narrative form in manual and automated case-management systems.
Provide updates to Project Managers or Team Leads as appropriate.
Make determinations regarding potential Suspicious Activity Report filings.