Consumer Transaction Monitoring Investigator

Guidehouse•San Antonio, TX

56d•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 applies research and analytical techniques to complex information, making logical, well-supported determinations about unusual or potentially suspicious activity. Investigations involve thorough, time-sensitive reviews of potential illegal or suspicious activity across multiple jurisdictions and countries; assessment of customer profiles and transaction data for consistency with typical purchasing or payment activity, Acceptable Use Policy adherence, and Know Your Customer requirements; and documentation of findings in narrative format in manual and automated case-management systems. The investigator provides updates to Project Managers or Team Leads as appropriate and determines whether potential Suspicious Activity Report filings are warranted. The position requires working in the office five days per week.

Requirements

Bachelor’s degree and at least 0 years of relevant Transaction Monitoring experience; relevant experience may be substituted for formal education or an advanced degree.
Knowledge of applicable laws, regulations, and guidelines, including 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 2 years of experience assessing and reviewing system-generated and manual AML alerts and/or 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 filings and narratives; documentary and non-documentary verification; and review of 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.
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 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, 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 or Team Leads as appropriate.
Make determinations regarding potential Suspicious Activity Report filings.