Financial Crime Compliance/AML Investigator

OnePay; Karnataka; On-site; INR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

Competitive salary

Stock options

Health insurance

Hybrid work model

Transport allowance

Job summary

OnePay is seeking a FCC Investigator to protect customers by implementing controls and supporting the development of a durable compliance program. You will work with Risk and Fraud teams on daily monitoring, investigate suspicious alerts, and escalate appropriately.

Role reports to the FCC program manager and involves collaborating with remote colleagues across functions in a dynamic fintech environment. Bengaluru-based hybrid work model is offered.

Qualifications

• 4+ years of experience in financial crime or related fields.
• Strong investigations skills with ability to tie red flags and document results.
• Experience improving BSA/AML programs is a plus.
• Ability to synthesize transaction data across views (chronological/pivoted).
• Clear written and verbal communication, comfortable working remotely.

Responsibilities

• Perform investigations to identify financial crime typologies.
• Monitor sanctions and PEP screening alerts.
• Draft suspicious transaction reports.
• Provide analysis of ML/TF typologies and risk trends.
• Quality control reviews of alerts/reports.
• Participate in transaction monitoring system tuning tests.
• Handle additional duties as assigned by manager.

Skills

Investigations

AML/BSA

Data analysis

Regulatory compliance

Communication

Remote collaboration

Self-starter

Tools

CAMS

Job description

About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run

• Hungry and driven by urgency

• Exceptional at what they do, with low ego

• Comfortable operating in motion

The Role

As a FCC Investigator, your mandate is to protect the safety of our customers by implementing the procedures and controls we have in place. This role will impact OnePay’s vision by fundamentally assisting in the development of a durable program, and the effectiveness of our financial crime compliance program. You will work closely with the Risk and Fraud team(s) working on daily monitoring and taking action on suspicious transaction alerts, and using strong investigative and analytical skills to decision alerts and elevate them as appropriate. This role reports to the FCC program manager.

This role is responsible for:

• Performing investigation to identify financial crime typologies

• Monitoring of sanctions and PEP screening alerts

• Drafting suspicious transaction reports

• Providing advice and analysis of observed ML/TF typologies and trends to identify potential areas of risk

• Perform quality control reviews of sanctions and suspicious transactions alerts and reports

• Participating in transaction monitoring system tuning tests

• Additional duties as assigned by your manager
  

You Bring

• 4+ years of experience

• An act-like-an-owner mentality. We have a bias toward taking action.

• Strong investigations experience with ability to tie disparate red flags and to effectively document conclusive results

• Past experiences implementing BSA/AML program improvements a plus

• Ability to synthesize transactional behavior through different views of transaction data set (e.g. chronological and pivoted summary data)

• Self-starter, able to anticipate management needs, and comfortable working in a dynamic environment

• Meticulously organized with ability to successfully manage disparate assignments in parallel

• Results-oriented and analytical, with ability to work independently and adaptively, to anticipate and mitigate friction points, and to take action to promptly resolve and learn from challenges

• Ability to work closely and communicate effectively with colleagues in all functions at all levels who are working remotely

• Skilled in both written and verbal communications with all levels of an organization

• CAMS or current candidacy a plus

What We Offer

• Competitive salary, stock options, and benefits from Day 1

• Comprehensive health insurance coverage (health insurance, accident and disability insurance, term life insurance), including mental health support and wellness programs

• Hybrid work model (Bengaluru office three days a week), various time off programs (vacation, sick, other paid leaves, and paid regional holidays)

• Monthly transport and work-from-home allowances

• A high-growth, mission-driven, inclusive culture where your work has real impact

Standard Interview Process

Our process varies by role. Most candidates go through:

• AI-assisted initial screen

• Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

Equal Employment Opportunity

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at [e-mail].