Transaction Monitoring Analyst

Job Title: AML Transaction Monitoring Analyst

Location: 100% Remote – United States

Work Schedule:
Must be available to support EST working hours

Employment Type:
Contract

We are seeking an experienced AML Transaction Monitoring Analyst to support our client's Anti-Money Laundering (AML) compliance and financial crime control operations. The ideal candidate will have strong experience reviewing transaction monitoring alerts, conducting AML investigations, identifying suspicious financial activities, and drafting Suspicious Activity Reports (SARs).

This role involves analyzing customer transactions and behavioral patterns to identify potential money laundering, fraud, sanctions violations, and other financial crime risks. The successful candidate will help ensure regulatory compliance while strengthening the organization's fraud detection and risk mitigation processes.

• Review and investigate transaction monitoring alerts to identify potentially suspicious financial activities.
• Analyze customer profiles, transaction histories, and behavioral patterns to detect AML, fraud, and sanctions-related risks.
• Conduct detailed investigations and document findings with clear supporting evidence.
• Escalate suspicious activities for further review and investigation when necessary.
• Draft and prepare Suspicious Activity Reports (SARs) in accordance with regulatory requirements.
• Identify suspicious transaction patterns, emerging fraud schemes, and financial crime typologies.
• Investigate activities across multiple payment channels, including ACH, wire transfers, credit/debit cards, and cryptocurrency.
• Identify potential account takeovers, first-party fraud, mule accounts, and social engineering schemes.
• Collaborate with Fraud Risk and Compliance teams to improve transaction monitoring scenarios and detection thresholds.
• Recommend process improvements to reduce false positives and strengthen AML controls.

• Maintain accurate and detailed investigation records to support internal audits and regulatory reviews.
• Ensure alerts, investigations, and escalations meet established quality and documentation standards.
• Partner with investigators, compliance officers, and data analytics teams to improve investigative outcomes.
• Identify fraud trends and contribute to management reporting and risk dashboards.

• Bachelor's degree in Finance, Accounting, Criminology, Risk Management, or a related field.
• Minimum 7 years of hands-on AML Transaction Monitoring alert review experience.
• At least 2 consecutive years of experience working with one employer.
• Strong hands-on experience drafting and preparing Suspicious Activity Reports (SARs).
• Experience conducting AML investigations and reviewing suspicious transaction alerts.
• Strong understanding of AML compliance, financial crime prevention, and fraud detection.

• Experience with AML transaction monitoring platforms such as:
• Actimize
• SAS AML
• FIS or similar AML monitoring systems
• Strong Microsoft Excel and data analysis skills.
• Ability to analyze large transaction datasets and identify unusual patterns and anomalies.

• Familiarity with the USA PATRIOT Act and Bank Secrecy Act (BSA).
• Understanding of OFAC sanctions requirements and FATF guidelines.
• Knowledge of AML regulations and suspicious activity reporting obligations.
• Understanding of fraud typologies and financial crime investigation procedures.

• Certified Anti-Money Laundering Specialist (CAMS)
• Other relevant AML or financial crime certifications.

• Excellent analytical, investigative, and critical-thinking skills.
• Strong written communication and SAR documentation skills.
• High attention to detail and accuracy.
• Ability to work independently in a fast-paced investigative environment.
• Strong collaboration and communication skills.
• Proactive approach to identifying risks and improving compliance processes

• This is a 100% remote position
  .
• Candidates can be located anywhere within the United States.
• Must be able to support Eastern Standard Time (EST) working hours.