Anti-Money Laundering Investigator

eTeam; Lisboa; Vor Ort; EUR 42.000 - 64.000; Vollzeit

Zusammenfassung

eTeam in Lisbon, Portugal, seeks a Crypto AML Transaction Monitoring Investigator for a 6-month full-time contract. You will conduct end-to-end reviews of alerts, analyze on-chain and off-chain activity, and determine dispositions or SAR needs while following regulatory deadlines.

You will use KYC/CDD/EDD data, blockchain analytics, and open-source information to build audit-ready narratives, document evidence, and collaborate with compliance stakeholders.

Qualifikationen

• 2+ years of AML transaction monitoring investigations.
• Familiar with BSA/USA PATRIOT Act, FinCEN guidance, OFAC requirements.
• Understanding of crypto transactions, wallets, exchanges, and on-chain activity.
• Experience using blockchain analytics platforms for investigations.
• Ability to present findings clearly in SAR narratives.

Aufgaben

• Review and disposition AML alerts involving crypto deposits, withdrawals, transfers, and account behavior.
• Conduct end-to-end investigations using KYC/CDD/EDD data, device data, and open-source intel.
• Analyze blockchain activity to trace funds across wallets and exchanges.
• Identify money-laundering typologies and assess counterparty risk.
• Draft concise, audit-ready SAR narratives with supporting evidence.

Kenntnisse

Analytical reasoning

Attention to detail

Written communication

Verbal communication

Ausbildung

Bachelor's degree or equivalent

Tools

Chainalysis

TRM Labs

Jobbeschreibung

Job Title: Crypto AML Transaction Monitoring Investigator

Location: Lisbon, Portugal

Job Type: Full-time contract, 6 Months

Position Summary:

• The Crypto AML Transaction Monitoring Investigator conducts end-to-end reviews of alerts and cases generated from customer and transaction monitoring systems for a cryptocurrency exchange. The investigator analyzes on-chain and off-chain activity, customer profile information, account behavior, and external intelligence to determine whether activity is reasonably explained, requires escalation, or supports a Suspicious Activity Report (SAR). The role requires clear investigative judgment, thorough case documentation, and consistent adherence to client procedures, quality standards, and regulatory deadlines.

Position Responsibilities:

• Review and disposition AML transaction monitoring alerts involving cryptocurrency deposits, withdrawals, transfers, fiat funding activity, and customer account behavior.
• Conduct end-to-end investigations using KYC/CDD/EDD information, transaction histories, device and account data, internal records, open-source intelligence, and other available evidence.
• Analyze blockchain activity to trace the source, destination, and flow of funds across wallets, services, and counterparties; reconcile on-chain activity to the exchange customer account and relevant off-chain records.
• Identify and assess digital-asset money laundering and financial crime typologies, including rapid movement of funds, structuring, layering, chain hopping, exposure to mixers or obfuscation services, high-risk exchanges, scams, fraud, ransomware, darknet markets, mule activity, sanctions exposure, and unusual cross-border activity.
• Use blockchain analytics and wallet-screening tools to evaluate direct and indirect exposure, counterparty risk, transaction paths, and attribution information; clearly document tool outputs and investigative conclusions.
• Evaluate customer activity against the stated business purpose, expected activity, source of funds, source of wealth, occupation or industry, geography, and historical transaction patterns.
• Determine whether alerts should be closed, escalated for enhanced review, referred to sanctions or fraud teams, or recommended for SAR filing in accordance with client procedures.
• Draft concise, fact-based, audit-ready case narratives and SAR narratives that explain the customer, relevant activity, investigative steps, risk indicators, and basis for the final disposition.
• Prepare and document requests for information, including 314(b) requests or other permitted outreach, when additional information is needed to support an investigation.
• Maintain complete and accurate case files, including supporting evidence, screenshots or exports, transaction tracing, calculations, and a clear record of investigative decision-making.
• Escalate emerging typologies, repeated counterparties, linked accounts, control gaps, or potential systemic issues to compliance leadership and appropriate stakeholders.
• Meet productivity, quality, service-level, and regulatory deadlines while applying quality assurance feedback and maintaining confidentiality.
• Work independently, manage multiple investigations, and communicate findings clearly to peers, quality reviewers, and compliance leadership.
• Perform other duties and project assignments as directed.

Required Qualifications:

• 2+ years of experience conducting AML transaction monitoring investigations, suspicious activity investigations, for a financial institution, fintech, payment company, or cryptocurrency exchange.
• Demonstrated experience reviewing complex transaction activity and producing clear, defensible case decisions and SAR narratives.
• Working knowledge of the Bank Secrecy Act, USA PATRIOT Act, FinCEN guidance, OFAC requirements, and risk-based AML, CDD, EDD, sanctions, and SAR obligations relevant to digital-asset businesses.
• Practical understanding of cryptocurrency transactions, wallets, addresses, transaction hashes, centralized exchanges, decentralized exchanges, stablecoins, bridges, smart contracts, and common digital-asset transaction flows.
• Experience conducting blockchain tracing or wallet-risk analysis using a recognized blockchain analytics or screening platform.
• Ability to interpret transaction graphs, assess direct and indirect exposure, distinguish customer-controlled and third-party wallets when evidence permits, and explain findings in clear written language.
• Experience using open-source research, adverse media, public blockchain explorers, internal customer records, and external data sources to support investigative conclusions.
• Strong analytical reasoning, attention to detail, organization, and ability to manage multiple cases under established deadlines.
• Strong written and verbal communication skills, including the ability to present complex transaction activity and risk indicators to compliance stakeholders.
• Bachelor's degree or equivalent relevant work experience.
• Proficiency with Microsoft Word, Excel, PowerPoint, OneNote, and Teams.

Highly Preferred Qualifications:

• 1+ year of hands‑on experience investigating activity for a cryptocurrency exchange, digital-asset platform, wallet provider, fintech, or other virtual asset service provider.
• 1+ years’ experience with blockchain analytics platforms such as Chainalysis, TRM Labs, Elliptic or comparable tools. Chainalysis is preferred.
• Experience investigating account takeovers, fraud proceeds, scams, ransomware, sanctions risk, darknet exposure, and other crypto-enabled financial crime typologies.
• Experience working in a production-based investigation environment with defined quality, productivity, and service-level expectations.
• ACAMS, CFCS, CCI, CCAS, or another relevant AML or cryptocurrency investigations certification.