Compliance Investigator II

## Compliance Investigator IIApplylocations:
San Antonio, TXtime type:
Full time posted on:
Posted 4 Days Agojob requisition :
R0015256

SWIVEL is seeking a talented individual to conduct transaction and merchant monitoring reviews across the SWBC/SWIVEL payments ecosystem. This role is responsible for identifying, investigating, and documenting potentially suspicious or high-risk activity, including fraud, money laundering, sanctions, terrorist financing, and other suspicious money movements. The investigator will support suspicious activity reporting, monitor real-time risk queues to meet service level expectations, and partner with internal stakeholders on client outreach, education, and risk mitigation strategies while maintaining confidentiality in accordance with applicable regulatory requirements.
*** Essential duties include the following:
**** Review and investigate transaction monitoring alerts involving potentially suspicious, unusual, or high-risk payment activity.
* Analyze ACH, card, merchant, client, and portfolio-level activity to identify fraud, money laundering, sanctions, operational, or compliance risk indicators.
* Conduct due diligence and investigative research using internal systems, case management tools, public records, adverse media, internet research, and other relevant sources.
* Document investigative steps, findings, rationale, and recommendations in a clear, complete, and audit-ready manner.
* Escalate matters requiring additional review, remediation, client outreach, account restrictions, reporting, or other risk mitigation action.
* Monitor client-level and portfolio-level trends and communicate emerging issues, patterns, and recommendations to compliance leadership.
* Partner with Account Management, Operations, Product, and other internal teams to support client communications, remediation strategies, and control recommendations.
* Support departmental service levels through proactive queue management, timely case dispositioning, and accurate prioritization of time-sensitive reviews.
*** Serious candidates will possess the minimum qualifications:
**** Minimum of three (3) years of experience in AML investigations, transaction monitoring, payments risk, financial crimes compliance, credit risk review, or a related financial services risk function.
* Working knowledge of the laws applicable to money laundering, including the Bank Secrecy Act, the USA PATRIOT Act, US Treasury AML guidelines, OFAC requirements, and Suspicious Activity Reporting requirements.
* Strong analytical and research skills with the ability to evaluate complex activity, identify patterns, and support conclusions with evidence.
* Strong written and verbal communication skills, including the ability to explain risk concerns, investigation outcomes, and recommended actions clearly.
* High attention to detail, sound judgment, and the ability to manage confidential information appropriately.
* Strong organizational skills with the ability to manage multiple priorities, meet deadlines, and work effectively in a queue-based environment.
* Proficiency with Microsoft Office applications, including Outlook, Word, and Excel.
* Experience in payment processing, fintech, merchant acquiring, ACH, card processing, NACHA requirements, card scheme rules, or money services business environments.
* Experience using transaction monitoring systems, fraud tools, sanctions screening tools, case management platforms, or data analytics tools.
* Experience drafting or contributing to SAR narratives, quality control reviews, or regulatory/audit-ready case documentation.
* Familiarity with emerging fraud trends, payment typologies, merchant risk indicators, account-to-account payments, or other evolving financial crime risks.
* Ability to translate investigative findings into practical control recommendations, client guidance, or operational remediation steps.
* CAMS, CFE, CFCS, or similar financial crimes, fraud, compliance, or risk certification preferred.
* Sit for long periods of time performing sedentary activities.
* Stand, stoop, and kneel to file for long periods of time.
* Push, pull, and lift up to 20 lbs. of files, supplies, documents, or other related items.
*** SWIVEL offers :
**** Competitive overall compensation package
* Work/Life balance
* Employee engagement activities and recognition awards
* Years of Service awards
* Career enhancement and growth opportunities
* Leadership Academy and Mentor Program
* Continuing education and career certifications
* Variety of healthcare coverage options
* Traditional and Roth 401(k) retirement plans
* Lucrative Wellness Program
* Based upon employee eligibility
* *** Additional Information:
*** SWIVEL is a Substance-Free Workplace and requires pre-employment drug testing.
Please note, SWIVEL does not hire tobacco users as allowed by law.
To learn more about SWIVEL, visit our website at https://(Use the "Apply for this Job" box below). If interested, please click the appropriate apply button.
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