Lead Financial Crimes Investigator

Discover; Riverwoods (IL); Remote; USD 77,000 - 132,000; Full time

Job summary

An established industry player is seeking a detail-oriented investigator to join their Financial Crimes Operations team. In this role, you will conduct comprehensive investigations into suspicious activities, ensuring compliance with regulatory requirements. You'll leverage your expertise to analyze customer transactions and demographics, driving process improvements and risk mitigation strategies. This position offers a unique opportunity to contribute to the integrity of financial systems while working in a collaborative environment that values your growth and development. Join a team where your insights can lead to meaningful change and help millions achieve a brighter financial future.

Benefits

Paid Parental Leave

Paid Time Off

401(k) Plan

Medical, Dental, Vision, & Health Savings Account

Short and Long Term Disability

Life Insurance

Accidental Death & Dismemberment Insurance

Recognition Program

Education Assistance

Employee Stock Purchase Plan

Qualifications

• 6+ years of experience in AML, ABAC, Fraud, or related field.
• In lieu of education, 8+ years of relevant experience.

Responsibilities

• Conduct thorough investigations of customer demographics and transaction activity.
• Ensure compliance with anti-money laundering programs and regulations.

Skills

AML (Anti-Money Laundering)

ABAC (Anti-Bribery and Anti-Corruption)

Fraud Analysis

Legal Compliance

Financial Analysis

Education

Bachelor’s degree in Business Administration

Bachelor’s degree in Finance

Bachelor’s degree in Law

Job description

Discover. A brighter future.

With us, you’ll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it — we want you to grow and make a difference at one of the world's leading digital banking and payments companies.We value what makes you unique so that you have an opportunity to shine.

Come build your future, while being the reason millions of people find a brighter financial future with Discover.

Job Description:

What You’ll Do

Responsible for performing various detailed and accurate investigations across all Financial Crimes Operational areas, which include suspicious activity, know your customer/partner, watch list screening, anti-bribery and corruption, and other various responsibilities. This role requires specialized subject matter expert knowledge for multiple investigation areas. Investigator is responsible for reviewing customer/partner demographics, transactional activity, watchlist alert matches, automated and manual referrals of customer/partners for unusual activity, and potential bribery or corruption activities in accordance with multiple regulatory requirements. Obtains necessary supporting documentation for reviews and investigations and reviews internal source systems, third-party investigative tools, as well as any other applicable sources. Files reporting items such as Sanctions True Matches, FinCEN 314a matches, or Suspicious Activity Reports. Supports the maintenance of strategies, operating plans, and oversight of anti-money laundering functions. Actively manages and escalates risk and customer-impacting issues within the day-to-day role to management.

How You’ll Do It

• Conducts thorough investigation and analysis of customer/partner demographic information and account relationships, transaction activity and irregularities, and internal/external research to make risk-based decisions related to list screening, customer/partner due diligence, and potential fraud and/or suspicious activity.

• Responsible for supporting the development and execution of strategies that enable the company main compliance with anti-money laundering programs. Drives process improvements and identifies risk mitigation opportunities. Reviews automated and manual referrals of unusual activity.

• Performs various reviews to ensure compliance with the Foreign Corrupt Practices Act (FCPA) and other applicable Anti-Bribery and Anti-Corruption (ABAC) laws and regulations.

• Prepares accurate and detailed written investigation findings and report submissions. Determines if additional tasks are required, account closure recommendations or customer/partner contact.

• Ability to pivot, as directed, within Financial Crimes Operations to perform accurate and detailed reviews while maintaining or exceeding average daily output and quality review scores.

• Participates in internal and external training opportunities, team/department meetings, and industry peer groups to maintain advanced awareness of Financial Crimes Operations and industry knowledge.

Qualifications You’ll Need
The Basics

• Bachelor’s degree in Business Administration and Management, Finance or Law

• 6+ years of experience in Experience in AML, ABAC, Fraud, Legal, Regulatory Compliance, Financial Analysis, or related field.

• In Lieu of Education Experience 8+ years of experience in AML, ABAC, Fraud, Legal, Regulatory Compliance, Financial Analysis, or related field

Physical and Cognitive Requirements

The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable a qualified individual with disabilities to perform the essential functions of the position as required by federal, state, and local laws:

• Primarily remain in stationary position.

• No required movement about the work environment to complete the major responsibilities of the job.

• Primarily performed indoors in an office setting.

• Ability to operate office equipment such as but not limited to computer, telephone, printer, and calculator.

• Ability to communicate verbally; Ability to communicate in written form.

Bonus Points If You Have

• 8 + years of experience in AML, ABAC, Fraud, Legal, Regulatory Compliance, Financial Analysis, or related field

• Certifications in CAMS, CGSS, TRACE, CAFP, CFE Certification, other Compliance, Fraud, Audit or related certification

Discover will not sponsor or transfer employment work visas for this position. Applicants must be currently authorized to work in the United States on a full-time basis.

#Remote #LI-RR

Application Deadline:

The application window for this position is anticipated to close on May-11-2025. We encourage you to apply as soon as possible. The posting may be available past this date, but it is not guaranteed.

Compensation:

The base pay for this position generally ranges between $77,500.00 to $131,500.00. Additional incentives may be provided as part of a market competitive total compensation package. Factors, such as but not limited to, geographical location, relevant experience, education, and skill level may impact the pay for this position.

Benefits:

We also offer a range of benefits and programs based on eligibility. These benefits include:

• Paid Parental Leave

• Paid Time Off

• 401(k) Plan

• Medical, Dental, Vision, & Health Savings Account

• Short and Long Term Disability, Life, and Accidental Death & Dismemberment insurances

• Recognition Program

• Education Assistance

• Commuter Benefits

• Family Support Programs

• Employee Stock Purchase Plan

Learn more at mydiscoverbenefits.com .

What are you waiting for? Apply today!

All Discover employees place our customers at the very center of our work.To deliver on our promises to our customers, each of us contribute every day to a culture that values compliance and risk management.

Discover is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veteran status, or other legally protected status. (Know Your Rights)

Discover complies with federal, state, and local laws applicable to qualified individuals with disabilities and is committed to providing reasonable accommodations. If you require a reasonable accommodation to search for a position, to complete an application, and/or to participate in an interview, please email [e-mail] .Any information you provide regarding your accommodation needs will be kept confidential and will only be used to determine and provide necessary accommodation.

At Discover, we are committed to creating an inclusive and equitable workplace through our Fair Chance Hiring practices. Fair Chance Hiring means that we base our hiring decisions on an applicant’s qualifications rather than their criminal record. All our positions are subject to Section 19 of the Federal Deposit Insurance Act. Our applicants go through a background check, and we follow all applicable local laws, including the Los Angeles County Fair Chance Hiring Ordinance (LA County Fair Chance).

Positions marked as remote eligible are limited to remote locations within the country in which the position is based.

Applicants must be 18 or older at the time of hire.