Consumer Transaction Monitoring Investigator

Guidehouse•San Antonio, TX

5d•Onsite

About The Position

The Consumer Transaction Monitoring Investigator 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 thorough, time-sensitive reviews across multiple jurisdictions and countries, assesses customer profiles and transaction activity, documents findings in case-management systems, provides updates to project managers or team leads, and determines whether activity may warrant a Suspicious Activity Report (SAR) filing.

Requirements

High school diploma.
At least 1 year of relevant Transaction Monitoring experience.
Work in the office 5 days per week.
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.

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 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.
Analyze complex information and make logical, adequately supported determinations regarding 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 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, including 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 activity may warrant a Suspicious Activity Report filing.