AML Transaction Monitoring Investigator

BDO Unibank, Inc.; Makati; Hybrid; PHP 1,200,000 - 1,800,000; Full time

Job summary

BDO Unibank, Inc. is seeking an AML Transaction Monitoring Investigator in Makati to conduct timely reviews of alerts generated by the bank's AML monitoring system and prepare evidence-based findings for escalation or STR assessment.

The role requires 5+ years in AML/compliance, strong analytical skills, and a proven ability to manage multiple investigations while adhering to regulatory deadlines. Onsite duties in Makati are a must, with collaboration across branches and business units.

Qualifications

• Bachelor's 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.

Responsibilities

• Review, investigate, document, and recommend disposition of AML 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, 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.

Job description

Select how often (in days) to receive an alert:

Business Unit: Compliance Group

Department:

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 Bank's 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

• Bachelor's 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.

The BDO, BDO Unibank, and other BDO-related trademarks are owned by BDO Unibank, Inc. BDO Unibank Inc. ® All Rights Reserved.