AML Transaction Investigations Senior Associate

Job Summary:

As an AML Transaction Investigations Senior Associate within the AML Operations team, you will serve as a subject matter expert in pre-transaction payment screening and post-transaction correspondent banking inquiries. In this role, you will analyze AML payment exceptions, Request for Information (RFI) workflows, and collaborate across Compliance to safeguard the firm against money laundering, sanctions breaches, and financial crime risks.

• Review, investigate, and disposition pre-transaction payment screening alerts, sanctions matches, and payment exceptions with high precision.

• Drive the end-to-end resolution of RFI requests from correspondent and clearing banks regarding transaction behavior, counter party details, and customer profiles.

• Draft clear, professional, and tactful responses to correspondent and clearing banks.

• Ensure all correspondent bank inquiries and pre-transaction screening queues are resolved strictly within established Service Level Agreements (SLAs) and internal quality control standards.

• Partner closely with Transaction Monitoring (TM) investigators to evaluate secondary alerts, cross-reference transactional patterns, and meticulously document all compliance actions taken.

• Identify emerging risk trends and elevate high-risk cases or potential suspicious activity.

• Degree in Business, Finance, Law, or a related field.

• 3–5 years of direct experience in AML operations, transaction monitoring, sanctions screening, or correspondent banking investigations within a bank or Fin Tech environment.

• Deep understanding of global AML/CTF regulations, sanctions screening frameworks, cross-border payment flows and source of funds/ wealth requirements.

• Strong ability to synthesize complex transactional data, KYC profiles, and customer behavioral patterns to make risk-based decisions.

• Exceptional written and verbal communication skills, with demonstrated experience drafting nuanced, professional responses to external banking partners and regulatory bodies.