Consumer Transaction Monitoring Investigator

Guidehouse•San Antonio, TX

37d•Onsite

About The Position

The Consumer Transaction Monitoring Investigator reviews AML alerts and cases to mitigate risks related to financial crimes and suspicious activity. The role applies research and analytical techniques to complex information and produces logical, adequately supported determinations about unusual or potentially suspicious activity. It involves conducting thorough, end-to-end reviews of potential illegal or suspicious activity; assessing customer profiles and transaction data against expected purchasing and payment behavior, Acceptable Use Policy requirements, and Know Your Customer efforts; and documenting findings in narrative form in manual and automated case-management systems. The investigator also communicates updates to Project Managers or Team Leads as appropriate and determines whether activity may warrant a Suspicious Activity Report (SAR) filing. The role requires working in the office five days per week.

Requirements

Bachelor’s degree and at least 2 years of relevant Transaction Monitoring and SAR preparation experience; 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, and fraud, in transactional data.
Solid Excel skills.
Ability to work in the office five days per week.

Nice To Haves

At least 3 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, and Fraud Operations, including jurisdiction-specific SAR filing and narratives; documentary and non-documentary verification; and assessment in accordance with 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

Review AML alerts and cases to help 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 end-to-end, meticulous reviews of potential illegal or suspicious activity.
Complete time-sensitive analyses 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 behavior, Acceptable Use Policy adherence, and Know Your Customer efforts.
Document findings in narrative form in manual and automated case-management systems.
Prepare updates for Project Managers and Team Leads as appropriate.
Determine whether potential activity warrants a Suspicious Activity Report (SAR) filing.
Detect and assess deviations and red flags in transactional data that may indicate financial crime, including money laundering, terrorism financing, and fraud.

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.