AML Investigator III

United States Digital Space LLC; United States; Remote; USD 110,000 - 152,000; Full time

Job summary

United States Digital Space LLC is seeking an AML Risk Investigator to support Bank Partner Requests for Information, transaction monitoring, and financial crime investigations in a fast-growing fintech environment.

You will handle RFIs from partner banks, review suspicious activity, and help build out case management processes while keeping user experience in mind. The role requires attention to detail, fraud detection experience, and strong communication skills.

Qualifications

• Experience identifying money laundering or fraud in banking, fintech, or related services.
• Fluent with ACH, checks, debit/credit cards and wires across domestic and international.
• Understand banking landscape, including international activity and ownership.
• Clear written and verbal communication with users and partners.

Responsibilities

• Provide input as we implement new transaction monitoring rules and tune existing ones.
• Review AML and other financial crime alerts in our transaction monitoring queue and take action as needed.
• Contact our users for information on their account usage and transactions.
• Work with partners and internal teams to review information from users.
• Investigate RFIs from partner banks and deliver clear AML reviews on activity.
• Make decisions on user accounts as needed, including locking or closing.
• Develop understanding of expected activity for each user type.
• Document findings and escalate unusual or potentially suspicious activity.

Skills

AML/Financial Crime

Fraud Detection

Bank Transactions

Risk Monitoring

Communication

Empathy

Regulatory Awareness

Job description

the company is building a complete finance stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify entrepreneurs' and business owners’ financial lives.The challenge is to do so while ensuring we protect the company, customers and the broader financial ecosystem from bad actors and harmful, illegal or unauthorized activities.

Our AML Investigations team is crucial in this mission and is responsible for detecting suspicious activity, conducting thorough investigations, and shutting down bad actors. This team is growing and we’re looking to hire an additional AML Risk Investigator to help us with Bank Partner Requests for Information, Transaction Monitoring, Financial Crime Investigations, Case Management and drafting Unusual Activity Reports. As a member of our Investigations team, you’ll help handle our transaction monitoring queues while balancing an eagle eye for risk with excellent user experience. To begin with, you’ll work to help make sure we have smart, risk-based monitoring in place and help build out our case management technology and processes.

You’ll need to learn how a really wide range of businesses work and bring your knowledge to bear on our processes and product. Some of this work is repetitive and requires close attention to detail, so we need someone who loves working fraud and anti-money laundering transaction queues and managing a variety of complex investigations.

the company is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.*

As part of the journey, we would expect you to:

• Provide input as we implement new transaction monitoring rules and tune existing ones

• Review AML, and other financial crime alerts in our transaction monitoring queue and take action as needed

• Contact our users for information on their account usage and transactions

• Work with our partners and internal team members to review and assess information received from users

• Investigate and respond to Requests for Information (RFIs) from our Partner Banks, delivering clear, well-supported AML reviews on customer’s account activity

• Decision user accounts as needed, including locking or closing accounts

• Develop an understanding of expected activity for each type of user we work with

• Document investigative findings and escalat unusual or potentially suspicious activity to our Partners for SAR consideration

• Develop an unfailing eye for potential fraud or money laundering

• Investigate tools that would make your job easier

• Write clear documentation on current processes and help train future teammates

Some things that might make you successful in a role like this:

• Have experience in identifying money laundering, detecting fraud, or other financial crimes related behavior in banking, fintech, or other financial services through vendor AND in-house developed transaction monitoring rules

• Be fluent in the language of bank transactions, including ACH, check, debit card, credit card, and wire transfers, both domestic and international

• Understand the business banking landscape and have familiarity with international activity and ownership

• Exercise empathy and understanding when communicating with users

• Communicate complicated concepts with efficiency and clarity, both in speech and writing

• Manage relationships with external parties with confidence and kindness

• Work with efficiency and focus

• Understand how to keep an organized and clean inbox

• Love problem solving and making teams, product, and processes more efficient

• Derive joy from customer joy

• Enjoy thinking about how to automate as much of your job as possible

• Be curious about the US banking system, startups, and ecommerce companies

the company values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at the company are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.

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Total Rewards

The total rewards package at the company includes base salary, equity (stock options/RSUs), and benefits.

Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.

Our target new hire base salary ranges for this role are the following:

US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area:

$121,700—$152,100 USD

US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area:

$109,500—$136,900 USD