Senior Analyst, AML Investigations

Circle Internet Financial • San Francisco, CA

1d • Remote

About The Position

The Senior Analyst, Anti-Money Laundering (AML) Investigations joins Circle’s Investigation Operations team to detect fraudulent activity, suspicious or illegal behavior, and patterns, and to drive projects that prevent and detect financial crime. The role is suited to an inquisitive analyst with AML compliance experience, strong analytical skills, and an interest in blockchain technology.

The analyst investigates complex and escalated cases, owns investigations from start to finish, determines and documents whether to file, and drafts and files high-quality SARs/STRs. The role also supports external and internal requests, escalates significant risks, assists with regulatory and audit inquiries, and helps improve detection models and operational workflows. The position requires managing time-sensitive work across competing priorities and collaborating with policy, compliance, data, technology, and other teams.

Requirements

• B.A./B.S. degree.
• At least 4 years of experience conducting AML alert reviews, investigations, and applicable reporting.
• Strong knowledge of AML regulations and a deep understanding of blockchain ecosystems, VASPs, and evolving global AML/CFT regulations.
• Experience writing clear, well-supported SAR/STR narratives and communicating findings to senior stakeholders, law enforcement, or regulators.
• Extensive experience using blockchain forensic tools such as TRM Labs, Chainalysis, or Elliptic.
• Strong organizational, analytical, written, and verbal communication skills; attention to detail; and confidence making reasoned, supported decisions.
• Experience analyzing large transactional data sets.
• Ability to work under pressure and tight deadlines, prioritize workloads, and complete tasks promptly.
• Flexibility to respond quickly to changing demands in an evolving industry.
• Demonstrated ability to collaborate effectively with multiple stakeholders and internal teams.
• Ability to structure analytical approaches to complex business problems and formalize complex ideas into well-defined logic.
• Familiarity with generative AI models and prompt development.
• Experience applying artificial intelligence, automation, or machine learning to optimize AML workflows, such as alert triage, data enrichment, and investigative analysis.

Nice To Haves

• A quantitative or technical degree.
• SQL experience.
• CAMS, CFCS, or CFE certification.
• Proficiency in Google Suite, Slack, and Apple macOS.

Responsibilities

• Investigate complex and escalated cases, including L2 escalations from AML alerts, enhanced monitoring reviews, and L1 transaction monitoring reviews; identify activity that may require suspicious activity reporting.
• Own cases end to end, document the decision to file or not file, and draft and file high-quality SARs/STRs.
• Work transaction monitoring alerts as needed and identify trends across work types.
• Fulfill requests from and support external parties, including law enforcement and banking partners, and internal policy, legal, and Compliance Operations partners.
• Escalate significant risks and findings to the MLRO and compliance leadership, and support regulator and audit inquiries.
• Ensure customers comply with applicable laws and regulations and help satisfy Circle’s obligations to regulatory authorities.
• Manage time-sensitive workflows and competing priorities with a strong operational focus.
• Collaborate with policy, compliance, data, and technology teams to share trends and insights and improve detection models, thresholds, and typology coverage.
• Conduct training and provide feedback to Investigation Operations analysts as needed.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior