AML Investigations Specialist

Félix; Bogotá; Remote; COP 291,791,000 - 453,897,000; Full time

Benefits offered by this job

Competitive salary

Stock options

Annual performance bonus

Health, dental, and vision plans

Continuous learning opportunities

Unlimited PTO

Paid parental leave

Remote now, future hybrid

Growth opportunities

Job summary

Félix is building the indispensable financial companion for Latinos in the US. As an AML Investigations Specialist, you will protect our fintech platform from money laundering and financial crime while enabling millions of legitimate users to move money safely.

You will drive investigations using AI to speed analysis, draft SOPs, and coordinate FinCrime with Fraud and Compliance Operations, contributing to a scalable, identity-driven product ecosystem.

Qualifications

• 3–5 years of experience in AML investigations, transaction monitoring, or financial crime operations.
• Experience in fintech, payments, crypto platforms, or fast-paced financial institutions.
• Strong knowledge of AML/BSA concepts, due diligence, and sanctions screening.
• Excellent analytical and investigative skills with clear, evidence-based conclusions.

Responsibilities

• Review and disposition transaction monitoring and screening alerts within SLA.
• Conduct AML, sanctions, fraud and financial crime investigations across onboarding, monitoring, and reviews.
• Analyze customer activity, device data, payments flows, and external intelligence to identify suspicious activity.
• Escalate suspicious activity and prepare clear investigative summaries and SAR recommendations.
• Perform Enhanced Due Diligence (EDD) and adverse media research on high-risk customers.
• Draft and maintain investigation procedures, SOPs, and knowledge articles.
• Support FinCrime with Fraud Operations, documenting handoffs and escalation paths.
• Participate in regulatory examinations and audits as required.
• Contribute to building an automated, intelligence-driven Financial Crimes function.

Skills

AML investigations

Transaction monitoring

Fraud investigations

Sanctions compliance

Financial crime ops

Tools

Case management platforms

Job description

About Us

At Félix, we are building the indispensable financial companion for Latinos in the US. We combine an AI-powered, conversational-first interface with real-time financial infrastructure to make cross-border money movement as easy as sending a text. Starting with fast, affordable remittances powered by AI and crypto rails, we are expanding into credit, savings, and wallet services to support the complete immigrant financial journey. Our ambition is to deliver a white-glove financial experience with the simplicity of a conversation to a community the traditional financial system has historically overlooked.

We are a hyper-growth Series C company, backed by over $300 million in funding from top-tier global investors, including Andreessen Horowitz, QED, Castle Island, Switch Ventures, HTwenty, Monashees, General Catalyst Customer Value Fund. This isn't just about the numbers; it's a testament to the trust our investors have in our vision and our team. Additionally, Félix was selected as an “Endeavor Entrepreneur” and was a recipient of the CrossTech Fintech Startups Award.

Joining Félix means you will be part of a team building a legacy, a company that will outlive us all. This is a rare opportunity to apply your skills to a deeply meaningful mission - serving a community that has been underserved for too long because we are obsessed with our customers. We get things done with urgency and focus, driven by extreme ownership over our impact. We collaborate without ego, fostering radical transparency and fierce loyalty so we can grow together. Because we aim for insanely great rather than just good enough, we stay insatiably curious - always experimenting, building the future today, and delivering a product that truly makes our users' lives better.

About The Role

At Félix, we’re building the next generation of financial services for immigrant communities. As an AML Investigations Specialist, you’ll help protect our platform from money laundering, fraud, terrorist financing, sanctions evasion, and other forms of financial crime while enabling millions of legitimate users to move money quickly and safely.

Investigations are the core of this role. You’ll work in a fast-paced fintech environment where products, risks, and typologies evolve quickly, so spotting what’s changing in your cases and flagging it early is key. You’ll use AI to make your investigations faster and more accurate, and your feedback will help us improve detection over time.

Over time, you’ll take ownership of FinCrime procedures and documentation and help coordinate how FinCrime works with Fraud and Compliance Operations.

We’re looking for someone who enjoys solving complex problems, questioning assumptions, working with data, and using technology - including AI - to become a better investigator.

Responsibilities

• Review and disposition transaction monitoring and screening alerts within SLA.
• Conduct end-to-end AML, sanctions, fraud, and financial crime investigations across customer onboarding, transaction monitoring, and post-transaction reviews.
• Analyze customer activity, transactional behavior, device intelligence, payment flows (including blockchain, where applicable), and external intelligence to identify suspicious activity.
• Escalate potentially suspicious activity and prepare clear, well-supported investigative summaries and SAR recommendations.
• Perform Enhanced Due Diligence (EDD) and adverse media research on higher-risk customers and transactions.
• Identify and elevate emerging money laundering, fraud, sanctions evasion, mule account, and synthetic identity patterns relevant to fintech and cross-border payments.
• Provide feedback to Product, Data, and Risk teams on rule performance and false positives.
• Use AI tools responsibly to improve investigation quality, research, documentation, and productivity while maintaining sound investigative judgment.
• Draft and maintain investigation procedures, SOPs, memos, and knowledge articles.
• Support the joint operating model between FinCrime, Fraud, and Compliance Operations, including documenting handoffs and escalation paths.
• Participate in regulatory examinations, audits, internal QA reviews, and periodic training activities, as required.
• Contribute to building an increasingly automated, intelligence-driven Financial Crimes function.

Requirements

• 3–5 years of experience in AML investigations, transaction monitoring, fraud investigations, sanctions compliance, or financial crime operations.
• Experience within a fintech, payments company, digital bank, crypto platform, or other fast-paced financial institution strongly preferred.
• Strong understanding of AML/BSA concepts, customer due diligence, transaction monitoring, sanctions screening, and suspicious activity investigations.
• Excellent analytical and investigative skills with the ability to connect multiple data points into clear, evidence-based conclusions.
• Strong written communication skills, particularly for investigative case documentation.
• Experience writing operational documentation, such as procedures, case templates, or internal memos.
• Comfortable working with large datasets, multiple systems, and evolving investigative tools.
• Curious, proactive, and comfortable operating with ambiguity while maintaining sound risk judgment.
• Demonstrated ownership, attention to detail, and continuous improvement mindset.
• Fluency in written and spoken English; Spanish proficiency is highly desirable.

These are the applicable requisites, although equivalent competencies in any of the above will also be considered.

Preferred Qualifications

• CAMS or an equivalent financial crime certification.
• Experience investigating cross-border payments, remittances, fintech, digital wallets, cryptocurrency, or embedded finance products.
• Experience working with AI assistants or LLMs to accelerate research, investigations, documentation, or operational workflows.
• Familiarity with data analytics, prompt engineering, workflow automation, or low-code/no-code tools.
• Experience using case management platforms or workflow automation tools is a plus.
• Experience working directly with Product, Engineering, or Data Science teams.
• Experience supporting regulatory examinations or responding to law enforcement requests.
• Passion for using technology to rethink how financial crime investigations are performed.

What We Offer

• Competitive salary
• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• Continuous learning opportunities
• Unlimited PTO
• Paid parental leave
• Work model: currently fully remote, with a future transition to a hybrid setup
• Empowering opportunities for growth in a dynamic entrepreneurial environment

Equal Opportunity Employer

At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.

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