AML Transaction Monitoring Investigator

BDO Unibank, Inc.; Makati; On-site; PHP 600,000 - 900,000; Full time

Job summary

BDO Unibank, Inc. is seeking an AML Transaction Monitoring Investigator based in Makati to review alerts, conduct comprehensive customer and transaction assessments, and prepare evidence-based findings for escalation or STR assessment.

The role ensures compliance with AML/CFT regulations, maintains regulator-defensible documentation, and supports regulatory examinations and audits. A strong background in investigations, KYC, and data analysis is required.

Qualifications

• Knowledge of AML/CFT regulations and suspicious activity monitoring.
• Experience conducting investigations, case analysis, and regulatory assessments.
• Strong written communication for investigation reports and narratives.
• Ability to handle multiple cases and meet regulatory deadlines.

Responsibilities

• Review, investigate, document, and recommend disposition of AML transaction monitoring alerts and cases within prescribed timelines.
• Conduct holistic customer reviews covering KYC information, source of funds, transaction behavior, account relationships, counterparties, and customer profile alignment.
• Analyze transactions to identify unusual patterns, red flags, suspicious activities, and AML typologies requiring escalation or further investigation.
• Prepare clear, complete, and evidence-based investigation reports, narratives, and recommendations.
• Initiate and manage Requests for Information (RFIs) with branches, business units, and relevant stakeholders to obtain supporting information.
• Ensure all investigations are supported by complete documentation, audit-ready working papers, and defensible evidence.
• Escalate suspicious activities, data concerns, and documentation gaps in a timely manner.
• Support STR assessment, regulatory examinations, audits, and management reporting requirements.
• Maintain compliance with AML/CFT laws, regulations, internal policies, and monitoring procedures.
• Contribute to process improvements by identifying recurring trends and control gaps.

Skills

AML/CFT knowledge

Investigation experience

Analytical thinking

Documentation skills

Time-management

Education

Bachelor's degree in Accounting, Finance, Business Administration, Economics, Criminology, Law, Risk Management

Tools

Microsoft Office

AML monitoring systems

Job description

Job Description:

About BDO

BDO Unibank, Inc. is the Philippines’ leading full-service bank, offering a wide range of financial and digital banking services. Guided by our brand promise “We Find Ways,” we are committed to delivering easy, reliable, and customer-focused services. Build your career with a trusted industry leader.

Job Summary

The AML Transaction Monitoring Investigator is responsible for the timely and accurate review, investigation, documentation, and recommendation of alerts generated by the Banks AML Transaction Monitoring System. The role conducts comprehensive customer and transaction assessments, identifies unusual or potentially suspicious activities, coordinates information requests, and prepares well-supported investigation findings for escalation, closure, or Suspicious Transaction Report (STR) assessment. The position ensures compliance with AML/CFT regulations, internal policies, and regulatory expectations while maintaining high-quality, regulator-defensible case documentation.

Key Responsibilities

• Review, investigate, document, and recommend disposition of AML transaction monitoring alerts and cases within prescribed timelines.
• Conduct holistic customer reviews covering KYC information, source of funds, transaction behavior, account relationships, counterparties, and customer profile alignment.
• Analyze transactions to identify unusual patterns, red flags, suspicious activities, and AML typologies requiring escalation or further investigation.
• Prepare clear, complete, and evidence-based investigation reports, narratives, and recommendations.
• Initiate and manage Requests for Information (RFIs) with branches, business units, and relevant stakeholders to obtain supporting information.
• Ensure all investigations are supported by complete documentation, audit-ready working papers, and defensible evidence.
• Escalate suspicious activities, material issues, data concerns, documentation gaps, and other investigation risks in a timely manner.
• Support STR assessment, regulatory examinations, audits, quality reviews, and management reporting requirements.
• Maintain compliance with AML/CFT laws, regulations, internal policies, and transaction monitoring procedures.
• Contribute to process improvements by identifying recurring trends, control gaps, false positives, and monitoring system enhancements.

Qualifications

• Bachelors degree in Accounting, Finance, Business Administration, Economics, Criminology, Law, Risk Management, or a related field.
• At least 5 years of experience in AML, Compliance, Financial Crime Investigation, Fraud Risk, Audit, Risk Management, Banking Operations, or related functions.
• Knowledge of AML/CFT regulations, suspicious transaction monitoring, KYC/CDD processes, and financial crime typologies.
• Experience conducting investigations, transaction reviews, case analysis, or regulatory compliance assessments.
• Strong analytical and critical thinking skills with the ability to identify suspicious patterns and assess risks.
• Excellent written communication and documentation skills, particularly in preparing investigation reports and case narratives.
• Ability to handle multiple cases, prioritize workload effectively, and meet strict regulatory deadlines.
• Proficient in Microsoft Office applications and AML transaction monitoring or case management systems.
• High level of integrity, sound judgment, attention to detail, and confidentiality.
• Must be willing to work onsite and be assigned to Makati.

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, or disability.