Sr. Associate, AML Investigations

Nclusion • Palo Alto, CA

6h • Onsite

About The Position

Nclusion is seeking a Senior Associate of AML Investigations to detect, review, and escalate potentially suspicious activity across its customer base. This role operates within the second line of defense, focusing on investigating transaction alerts, identifying financial crime risks, and ensuring consistent and effective application of AML controls. The Senior Associate will work with a high degree of autonomy on daily casework, escalating higher-risk or complex matters to Compliance leadership as needed.

Requirements

• 3+ years of experience in AML investigations, transaction monitoring, or financial crime compliance within financial services or fintech
• Hands-on experience reviewing alerts and conducting investigations in a production environment
• Familiarity with AML typologies (e.g., structuring, layering, fraud, sanctions evasion) and red flag indicators
• Understanding of KYC/CDD/EDD concepts and how they inform investigative decision-making
• Strong analytical skills with the ability to synthesize large volumes of data into clear, defensible conclusions
• High attention to detail and ability to manage multiple investigations simultaneously
• Ability to work independently, exercise sound judgment, and escalate appropriately within defined guidelines
• Clear written and verbal communication skills; comfort operating within a compliance and regulatory framework

Nice To Haves

• Experience with SAR drafting or contributing to regulatory reporting processes is strongly preferred
• Experience in payments, money movement, or similar high-velocity transaction environments is a plus

Responsibilities

• Investigate transaction monitoring alerts and other risk signals to identify potentially suspicious activity
• Conduct end-to-end case reviews, including analyzing customer behavior, transactional patterns, and relevant risk indicators
• Determine when activity warrants escalation and support the preparation of Suspicious Activity Reports (SARs) or equivalent regulatory filings
• Perform enhanced due diligence (EDD) in support of investigations, including gathering and assessing additional customer information
• Document investigative findings clearly, ensuring decisions are well-supported and aligned with internal policies and regulatory expectations
• Escalate high-risk or complex cases to Compliance leadership with clear rationale and supporting evidence
• Partner with Compliance, Product, and Operations teams to improve transaction monitoring rules, workflows, and investigative processes
• Track and report on investigation outcomes, identifying trends, typologies, and emerging risks
• Support ongoing refinement of AML controls to improve detection accuracy and operational efficiency

Benefits

• 401k with a match!
• Medical Insurance
• Dental Insurance
• Vision Insurance
• Competitive compensation & equity – We believe in sharing success.
• Flexible PTO – We focus on impact, not tracking vacation days. We encourage a minimum of 14 days.
• In-office lunch, team events & culture

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed