Investigations Analyst Jobs

About The Position

Requirements

• Bachelor’s degree or equivalent work experience.
• Minimum of three (3) years of experience in BSA/AML, fraud, financial crime compliance, or a related risk function within a financial institution.
• Minimum of one (1) year of experience with card or digital payments.
• Strong working knowledge of BSA/AML detection, alert review, investigation practices, and digital payments risk.
• Ability to analyze account activity, transaction patterns, customer behavior, and investigation evidence to reach logical, well-articulated, and well-supported conclusions.
• Excellent analytical, investigative, critical-thinking, and problem-solving skills.
• Strong written and verbal communication skills, including the ability to clearly document investigation findings, risk mitigation rationale, and recommended actions.
• High level of tact, integrity, and discretion when handling confidential information and communicating with internal and external stakeholders.
• Ability to manage multiple assignments, meet deadlines, and work independently in a fast-paced environment.
• Ability to collaborate effectively across teams and departments while maintaining sound risk-based judgment.
• Highly organized with effective time management skills
• Proficiency in Microsoft Office

Nice To Haves

• Familiarity with fraud and BSA/AML monitoring software (e.g. Verafin, Unit21, LexisNexis) or similar platforms preferred.
• Experience supporting audits, regulatory examinations, remediation efforts, or quality-control reviews preferred.
• Professional certification such as CAMS, CFE, CIA, or CRMA preferred.

Responsibilities

• Review BSA/AML alerts generated by the Bank’s monitoring systems for transactional data and account activity that could indicate unusual, potentially suspicious, or fraudulent activity.
• Conduct timely, accurate, and well-documented investigations involving retail banking and digital payments activity.
• Evaluate customer activity, transaction patterns, account behavior, and supporting documentation to determine appropriate risk-based actions, including escalation, closure, continued monitoring, or referral.
• Identify BSA/AML trends, typologies, control gaps, and emerging risks, and communicate observations and recommendations to management.
• Document investigation findings, analysis, conclusions, and supporting rationale in accordance with departmental standards, internal procedures, and audit expectations.
• Assist with the preparation and filing of Suspicious Activity Reports (“SARs”).
• Partner with BSA Operations, Fraud, Retail Banking, Operations, Risk, Compliance, and program manager stakeholders to support consistent fraud review, escalation, and reporting practices.
• Perform or support adverse media, sanctions, PEP, and other screening reviews when needed to assess potential financial, regulatory, reputational, and related risks.
• Maintain current knowledge of the Bank’s products, services, customer base, geographic footprint.
• Maintain proficiency in BSA/AML compliance requirements relevant to BSA/AML monitoring, investigation, escalation, and suspicious activity reporting.
• Provide clear verbal and written updates to management, business partners, and other stakeholders regarding investigation results, risks, and recommended actions.
• Assist with special projects, remediation activities, policy and procedure updates, process improvements, and control enhancements related to BSA/AML prevention and monitoring.
• All employees are responsible for compliance with the Bank Secrecy Act and in some roles, OFAC regulations. Depending on job responsibilities, more or less aspects of the regulations may apply, but at a minimum, all employees are responsible for reporting suspicious activity they identify in the course of performing their job duties. This includes activities conducted by customers, fellow employees, board members, and vendors.

Benefits

• Competitive compensation and benefits package commensurate with experience