Senior AML Investigator
About The Position
The Compliance department is a mission-critical, high-integrity team that serves as the primary line of defense against financial crime and regulatory risk on the BILL payment platform. Working collaboratively with Risk Strategy, Operations, and Legal, the team employs an innovative, data-driven approach to move beyond "check-the-box" compliance in a remote-first environment. As a Senior AML Investigator reporting to the Senior Manager of AML Compliance, you will take strategic ownership of high-complexity investigations into potential money laundering, terrorist financing, and fraud. You will serve as a subject matter expert, directly influencing BILL’s regulatory standing by ensuring high-quality research and accurate filing of Suspicious Activity Reports (SARs), with opportunities for mentorship and optimizing the compliance lifecycle.
Requirements
- Education: BA/BS degree; JD or advanced degree in a related field is a plus.
- Experience: 5–7+ years of dedicated AML compliance experience within a financial services organization or Fintech.
- Technical Skills: Expert-level proficiency in internet research and professional tools like LexisNexis or similar risk databases.
- Domain Expertise: Proven track record in conducting complex investigations involving OFAC, AML, Fraud, and global payment rails.
- Certifications: CAMS, CFE, or CFCS certification is highly preferred.
- Regulatory Knowledge: Deep understanding of the Bank Secrecy Act (BSA) and USA PATRIOT Act.
- Analytical Rigor: Ability to "connect the dots" across complex datasets to identify sophisticated financial crime patterns.
- Advanced Narrative Writing: Skill in drafting clear, concise, and technically sound investigation summaries and SARs.
- Operational Autonomy: A self-starter who can manage a high-volume caseload and meet strict regulatory deadlines with minimal supervision.
- Collaborative Influence: A team player who builds strong relationships with Risk, Product, and Legal stakeholders.
- Intellectual Curiosity: A fast learner who stays ahead of evolving Fintech products and emerging criminal typologies.
- Visa Sponsorship: Please note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future.
Responsibilities
- Complex Case Management: Investigate sophisticated customer activity across the BILL payment platform, identifying patterns of layering, shell company usage, or Trade-Based Money Laundering (TBML).
- Transaction Monitoring: Manage and disposition alerts with a high degree of accuracy, prioritizing the most critical risks to the financial system.
- Enhanced Due Diligence (EDD): Perform periodic reviews and event-driven EDD on high-risk customers
- Advanced Research: Utilize professional tools and open-source intelligence to verify corporate structures and Ultimate Beneficial Owners (UBOs).
- Ad Hoc Projects: Lead special investigations and compliance projects related to new product launches or evolving regulatory requirements.
Benefits
- 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)
- HSA & FSA accounts
- Life Insurance, Long & Short-term disability coverage
- Employee Assistance Program (EAP)
- 11+ Observed holidays and wellness days and flexible time off
- Employee Stock Purchase Program with employee discounts
- Wellness & Fitness initiatives
- Employee recognition and referral programs
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
1,001-5,000 employees
