AML Investigator

2 weeks ago

Sioux Falls, South Dakota, United States Central Payments Full time
Job Title: AML/Fraud Investigator

Central Payments is seeking a detail-oriented AML (Anti-Money Laundering)/Fraud Investigator to support our compliance efforts.

Key Responsibilities:
  • Conduct thorough investigations into suspicious activities, including money laundering, fraud, and other financial crimes.
  • Analyze complex financial transactions using AML monitoring alerts, identifying patterns, anomalies, and red flags indicative of financial crimes.
  • Prepare detailed investigative reports with findings and recommendations, escalating cases to issuing partner banks as needed.
  • Collaborate with cross-functional teams to continuously develop and implement effective fraud prevention and detection strategies.
  • Manage proactive risk through the analysis of customer account transactions and make recommendations to enhance anti-fraud and AML processes.
  • Evaluate the effectiveness of alerts received from AML monitoring systems, proposing improvements to enhance detection capabilities.
  • Assist in developing and updating procedures for BSA/AML and Fraud processes, conducting regression tests on new products post-launch to ensure compliance.
  • Maintain detailed and accurate records of investigations, ensuring compliance with regulatory requirements.
  • Provide guidance and support to executive management regarding customer AML risk ratings and account activity.
  • Stay current on industry trends, regulatory changes, and best practices in BSA/AML compliance and fraud detection.
  • Support both internal and external audits and examinations related to BSA/AML compliance and fraud investigations.
Requirements:
  • Strong knowledge of the Bank Secrecy Act, Anti-Money Laundering regulations, and regulatory guidance affecting prepaid cards and the payments industry.
  • Understanding of money laundering, terrorist financing, human trafficking, elder financial exploitation, and other fraud schemes, as well as relevant policies and regulations such as UDAAP, International ACH transactions, and Regulation E.
  • Exceptional analytical and investigative skills with the ability to interpret complex data and identify suspicious patterns.
  • High level of accuracy and attention to detail in all tasks.
  • Critical thinking and problem-solving abilities, especially under pressure.
  • Strong written and verbal communication skills, with the ability to prepare clear and concise reports.
  • Proficiency in AML monitoring systems, financial software, and Microsoft Office applications (Word, Excel, Access, PowerPoint).
  • Ability to work effectively in a team environment and collaborate across departments.

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