AML-CTF Analyst — U.S. Operations

CloudWalk, Inc.; São Paulo; Presencial; BRL 180 000 - 300 000; Tempo integral

Resumo da oferta

CloudWalk, Inc. is seeking an AML investigator in São Paulo to analyze alerts from transaction-monitoring systems and assess customer profiles, activity, and geographies for financial-crime risks.

You will conduct CDD and EDD reviews, prepare detailed investigation narratives, and assist with regulatory reporting. Collaboration with Product and Engineering will help translate regulatory requirements into scalable controls, leveraging AI-driven insights.

Qualificações

• Experience analyzing alerts from transaction-monitoring and customer-monitoring systems.
• Knowledge of AML/CTF, sanctions, and financial-crime categories.
• Experience performing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD).
• Ability to prepare clear, well-supported investigation narratives.

Responsabilidades

• Investigate alerts and cases from monitoring systems.
• Review customer profiles, transactions, devices, and geographies for risk.
• Identify money-laundering, fraud, sanctions, and other risks.
• Support regulatory reporting and filing obligations as applicable.
• Collaborate with Product and Engineering to translate requirements into controls.
• Document decisions and supporting evidence clearly.

Conhecimentos

SQL

Dashboards

Spreadsheets

Analytical tools

Ferramentas

Regulatory reporting platforms

Descrição da oferta de emprego

• Investigate alerts and cases generated by transaction-monitoring and customer-monitoring systems.
• Analyze customer profiles, transactional activity, counterparties, devices, payment methods, geographic exposure, and behavioral patterns.
• Identify potential money laundering, terrorist financing, fraud, sanctions, structuring, funnel-account activity, account takeover, and other financial-crime risks.
• Conduct Customer Due Diligence and Enhanced Due Diligence reviews.
• Prepare clear, complete, and well-supported investigation narratives.
• Support the preparation and filing of Unusual Activity Reports, Suspicious Activity Reports and other regulatory reports, when applicable.
• Review activity across merchant acquiring, cards, ACH, account funding, withdrawals, transfers, and other JIM products.
• Use SQL, dashboards, spreadsheets, and analytical tools to investigate cases and identify emerging risk patterns.
• Support the development and improvement of AML rules, scenarios, thresholds, controls, and monitoring models.
• Perform quality-control reviews and help ensure investigations meet internal and regulatory standards.
• Document investigative decisions, supporting evidence, and risk-based conclusions.
• Collaborate with Product and Engineering teams to translate regulatory requirements into scalable controls.
• Assist with requests from sponsor banks, auditors, regulators, and internal stakeholders.
• Identify process gaps and propose improvements through automation, data analysis, and artificial intelligence.
• Stay current on U.S. AML, CTF, sanctions, and financial-crime regulatory expectations.

About This Role

• Investigate alerts and cases generated by transaction-monitoring and customer-monitoring systems.
• Analyze customer profiles, transactional activity, counterparties, devices, payment methods, geographic exposure, and behavioral patterns.
• Identify potential money laundering, terrorist financing, fraud, sanctions, structuring, funnel-account activity, account takeover, and other financial-crime risks.
• Conduct Customer Due Diligence and Enhanced Due Diligence reviews.
• Prepare clear, complete, and well-supported investigation narratives.
• Support the preparation and filing of Unusual Activity Reports, Suspicious Activity Reports and other regulatory reports, when applicable.
• Review activity across merchant acquiring, cards, ACH, account funding, withdrawals, transfers, and other JIM products.
• Use SQL, dashboards, spreadsheets, and analytical tools to investigate cases and identify emerging risk patterns.
• Support the development and improvement of AML rules, scenarios, thresholds, controls, and monitoring models.
• Perform quality-control reviews and help ensure investigations meet internal and regulatory standards.
• Document investigative decisions, supporting evidence, and risk-based conclusions.
• Collaborate with Product and Engineering teams to translate regulatory requirements into scalable controls.
• Assist with requests from sponsor banks, auditors, regulators, and internal stakeholders.
• Identify process gaps and propose improvements through automation, data analysis, and artificial intelligence.
• Stay current on U.S. AML, CTF, sanctions, and financial-crime regulatory expectations.

The Future We See

• People teams leveraging AI to transform talent acquisition and employee development.
• Marketing professionals creating data-driven, AI-powered campaign strategies.
• Customer Success teams enhancing client experiences with intelligent solutions.
• Risk analysts combining human expertise with AI to navigate complexities.
• Designers collaborating with AI to push creative boundaries.

Join us at CloudWalk, where we're not just engineering solutions; we're building a smarter, AI-driven future for payments together.

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