aml investigator

Information Technology Senior Management Forum

<div><div>Posted Date
10/24/2025
</div><div>Description
<div>Anti-Money Laundering (AML) Sr. Investigator - Transaction Monitoring Operations (TMO)
The Anti-Money Laundering (AML) Sr. Investigator I supports various AML processes, which might include suspicious activity investigations, currency transaction reporting, global sanctions screening, enhanced due diligence or other AML processes. The AML Sr Investigator I will work closely with AML Process Managers to perform other critical functions.
Responsibilities:<ul><li>
Build and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g., financial, legal, reputation, etc.)</li><li>
Review system generated alerts, assess impact to AML processes, conduct research as required, and document results in written format</li><li>
Write suspicious activity reports, files CTR's, address sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations</li><li>
Provide feedback on alert rule effectiveness and partner with management and analysts to design new rules</li><li>
Provide insight into various commercial banking products and services</li><li>
Handle issues as appropriate for advanced investigation and analysis</li><li>
Support team supervisors in executing certain responsibilities</li><li>
Perform special projects as needed</li></ul>
Basic Qualifications:<ul><li>
High School Diploma, GED or equivalent certification</li><li>
At least 1 year of fraud, investigative or compliance experience</li><li>
At least 1 year of experience with Microsoft Office or Google Suite</li></ul>
Preferred Qualifications:<ul><li>
Bachelor's Degree in Criminal Justice, Fraud Prevention or Homeland Security</li><li>
2+ years fraud, investigative or compliance experience</li><li>
3+ years of experience in Anti-Money Laundering</li><li>
3+ years of experience in the Financial Services industry</li></ul>
Are you looking for a challenging role that includes the convenience of working virtually at home? Then a Capital One Anti-Money Laundering Investigator role may be the role for you! You must be within 50 miles driving distance from our Capital One hub in Wilmington, DE / Richmond, VA / New Orleans, LA / Plano, TX / Jericho, NY / Chicago, IL / McLean, VA / Riverwoods, IL.
Work From Home Technology Requirements:<ul><li>
A secure home office environment that is free from background noise and distractions</li><li>
A reliable private internet connection that is not supplied by use cellular data (hot spot)</li><li>
Cable or fiber connections are preferred</li><li>
Internet service download speeds must be at least 5 mbps, with 10+ mbps preferred - check your download speed using a speed test. A sample one can be found here. To test your home internet from your personal computer at home, type www.speedtest.net into the web browser of your personal computer.</li><li>
Sustained ability to maintain latency less than 250 ms in voice calls is required</li><li>
Hard wired connectivity is preferred, any use of wireless connectivity must be Private (non-public) and password protected through WPA2-PSK (AES) encryption. If you have any questions about your encryption, please consult with your internet provider</li><li>
A private network is password protected where you have ownership or line of site to every device on the network</li><li>
Capital One reserves the right to request proof of internet provider, speed and service package from the associate</li><li>
Requirements are subject to change, as new systems and technology is delivered. Capital One reserves the right to modify internet service requirements with sixty (60) days notice.</li></ul>
Work from Home Living Requirements:<ul><li>
Candidates must live within 50 miles driving distance of one of the hub locations based in Wilmington, DE / Richmond, VA / New Orleans, LA / Plano, TX / Jericho, NY / Chicago, IL / McLean, VA / Riverwoods, IL and be comfortable coming in person whenever required with no less than 24 hours notice.</li></ul>
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
Chicago, IL: $72,800 - $83,100 for AML Sr. Investigator I 

Jericho, NY: $87,400 - $99,700 for AML Sr. Investigator I 

McLean, VA: $80,100 - $91,400 for AML Sr. Investigator I 

New Orleans, LA: $72,800 - $83,100 for AML Sr. Investigator I 

Plano, TX: $72,800 - $83,100 for AML Sr. Investigator I 

Richmond, VA: $72,800 - $83,100 for AML Sr. Investigator I 

Riverwoods, IL: $72,800 - $83,100 for AML Sr. Investigator I 

Wilmington, DE: $72,800 - $83,100 for AML Sr. Investigator I 
Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate&rsquo;s offer letter.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City&rsquo;s Fair Chance Act; Philadelphia&rsquo;s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.
If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.
Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).
Anti-Money Laundering (AML) Sr. Investigator - Transaction Monitoring Operations (TMO)
The Anti-Money Laundering (AML) Sr. Investigator I supports various AML processes, which might include suspicious activity investigations, currency transaction reporting, global sanctions screening, enhanced due diligence or other AML processes. The AML Sr Investigator I will work closely with AML Process Managers to perform other critical functions.
Responsibilities:<ul><li>
Build and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g., financial, legal, reputation, etc.)</li><li>
Review system generated alerts, assess impact to AML processes, conduct research as required, and document results in written format</li><li>
Write suspicious activity reports, files CTR's, address sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations</li><li>
Provide feedback on alert rule effectiveness and partner with management and analysts to design new rules</li><li>
Provide insight into various commercial banking products and services</li><li>
Handle issues as appropriate for advanced investigation and analysis</li><li>
Support team supervisors in executing certain responsibilities</li><li>
Perform special projects as needed</li></ul>
Basic Qualifications:<ul><li>
High School Diploma, GED or equivalent certification</li><li>
At least 1 year of fraud, investigative or compliance experience</li><li>
At least 1 year of experience with Microsoft Office or Google Suite</li></ul>
Preferred Qualifications:<ul><li>
Bachelor's Degree in Criminal Justice, Fraud Prevention or Homeland Security</li><li>
2+ years fraud, investigative or compliance experience</li><li>
3+ years of experience in Anti-Money Laundering</li><li>
3+ years of experience in the Financial Services industry</li></ul>
Are you looking for a challenging role that includes the convenience of working virtually at home? Then a Capital One Anti-Money Laundering Investigator role may be the role for you! You must be within 50 miles driving distance from our Capital One hub in Wilmington, DE / Richmond, VA / New Orleans, LA / Plano, TX / Jericho, NY / Chicago, IL / McLean, VA / Riverwoods, IL.
Work From Home Technology Requirements:<ul><li>
A secure home office environment that is free from background noise and distractions</li><li>
A reliable private internet connection that is not supplied by use cellular data (hot spot)</li><li>
Cable or fiber connections are preferred</li><li>
Internet service download speeds must be at least 5 mbps, with 10+ mbps preferred - check your download speed using a speed test. A sample one can be found here. To test your home internet from your personal computer at home, type www.speedtest.net into the web browser of your personal computer.</li><li>
Sustained ability to maintain latency less than 250 ms in voice calls is required</li><li>
Hard wired connectivity is preferred, any use of wireless connectivity must be Private (non-public) and password protected through WPA2-PSK (AES) encryption. If you have any questions about your encryption, please consult with your internet provider</li><li>
A private network is password protected where you have ownership or line of site to every device on the network</li><li>
Capital One reserves the right to request proof of internet provider, speed and service package from the associate</li><li>
Requirements are subject to change, as new systems and technology is delivered. Capital One reserves the right to modify internet service requirements with sixty (60) days notice.</li></ul>
Work from Home Living Requirements:<ul><li>
Candidates must live within 50 miles driving distance of one of the hub locations based in Wilmington, DE / Richmond, VA / New Orleans, LA / Plano, TX / Jericho, NY / Chicago, IL / McLean, VA / Riverwoods, IL and be comfortable coming in person whenever required with no less than 24 hours notice.</li></ul>
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
Chicago, IL: $72,800 - $83,100 for AML Sr. Investigator I 

Jericho, NY: $87,400 - $99,700 for AML Sr. Investigator I 

McLean, VA: $80,100 - $91,400 for AML Sr. Investigator I 

New Orleans, LA: $72,800 - $83,100 for AML Sr. Investigator I 

Plano, TX: $72,800 - $83,100 for AML Sr. Investigator I 

Richmond, VA: $72,800 - $83,100 for AML Sr. Investigator I 

Riverwoods, IL: $72,800 - $83,100 for AML Sr. Investigator I 

Wilmington, DE: $72,800 - $83,100 for AML Sr. Investigator I 
Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate&rsquo;s offer letter.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City&rsquo;s Fair Chance Act; Philadelphia&rsquo;s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.
If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.
Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).</div>
</div><div>Salary
72,800.00 - 83,100.00 Annual
</div><div></div><div><div>Type<div>
Full-time</div></div></div></div>

Anti-Money Laundering (AML) Sr. Investigator - Transaction Monitoring Operations (TMO)

DICETEK LLC

<div>Title: AML Analyst &ndash; Transaction Monitoring
Key Responsibilities:<ul><li>
Review and investigate alerts generated by the bank&rsquo;s transaction monitoring system.</li><li>
Conduct detailed analysis of suspicious or unusual transactions in line with AML/CFT policies.</li><li>
Escalate cases that require further review or filing of STR/SAR to the AML Investigations team.</li><li>
Maintain accurate case documentation and ensure timely closure of alerts.</li><li>
Stay updated on latest AML regulations and typologies to identify emerging risks.</li></ul>
Requirements:<ul><li>
Bachelor&rsquo;s degree in finance, banking, or related field.</li><li>
2&ndash;5 years&rsquo; experience in AML/Transaction Monitoring within banking or financial services.</li><li>
Familiarity with UAE Central Bank AML regulations &amp; FATF guidelines.</li><li>
Strong analytical and investigative skills.</li><li>
Good communication skills; Arabic language is an advantage.</li></ul></div>

AML Analysts - Transaction Monitoring

Capitex

Transaction Monitoring Analyst – 12-Month Contract | Sharjah, UAE:
 
About the Role
 We’re seeking an experienced Transaction Monitoring Analyst to join our compliance team in Sharjah on a 12-month fixed-term contract. The successful candidate will play a key role in identifying and investigating unusual or potentially suspicious financial activity to ensure compliance with AML regulations and internal policies.
 
Key Responsibilities: 
<ul>
<li>Conduct daily monitoring and review of transactions flagged by the bank’s AML systems.</li>
<li>Assess alerts to determine whether activity is consistent with the customer’s known profile, identifying potential red flags and patterns of suspicious behaviour.</li>
<li>Conduct detailed investigations on escalated alerts and prepare comprehensive case summaries with clear recommendations.</li>
<li>Escalate suspicious transactions to the MLRO or Compliance team in accordance with established procedures.</li>
<li>Maintain detailed and accurate documentation of all investigations and decisions.</li>
<li>Assist in the preparation of Suspicious Activity Reports (SARs) when required.</li>
<li>Liaise with internal stakeholders, including Relationship Managers and Compliance Officers, to obtain additional information for case reviews.</li>
<li>Support the refinement of internal processes and provide input on emerging AML risks and typologies.</li>
<li>Stay up to date on AML regulations, local Central Bank guidance, and international compliance standards.</li>
</ul>
Key Requirements: 
<ul>
<li>Prior experience in transaction monitoring, AML investigations, or financial crime compliance within a banking or financial services environment.</li>
<li>Strong understanding of AML frameworks, risk indicators, and typologies.</li>
<li>Analytical mindset with attention to detail and sound judgement in decision-making.</li>
<li>Excellent written and verbal communication skills.</li>
<li>Ability to manage workload effectively in a fast-paced environment and meet review deadlines.</li>
<li>Proficiency in using transaction monitoring systems and Microsoft Office applications.</li>
</ul>

Transaction Monitoring Analyst

Commercial Bank of Dubai

Responsibilities: <ul> <li>Conduct an in-depth analysis as per the Bank s internal procedures of assigned AML alerts which have been triggered by the automated transaction monitoring system in order to identify genuine suspicious or unusual transactions.</li> <li>Document the rationale and analysis of the review conducted by the role holder to justify the closure or escalation of the alert.</li> <li>The jobholder is accountable for providing accurate and timely information to the AML/CFT Manager to ensure compliance with relevant laws in all aspects of the Bank s activities. </li> </ul>

Officer, AML & CFT

AML RightSource

<div>Job Description:
The purpose of AML is to prevent the bank&rsquo;s customers and society at large from financial criminals. In correspondent banking transaction monitoring, we do this by analysing the transactions between the customers of our peer banks which Client Bank accommodates. We are seeking a highly motivated and intellectually curious team members to join our First Line of Defence transaction monitoring team. As part of this role, you will be responsible for monitoring our activity and identify patterns that are outside our risk appetite.
Depending on your skills, knowledge and experience, you may be offered different seniority in the role.
Key Responsibilities:<ul><li>
Investigate possible money laundering, terrorist financing, or tax evasion transactional activities which are generated automatically by the system and need your further analysis</li><li>
Assess and manage risk associated with correspondent banking transactions.</li><li>
Conduct thorough reviews of client transactions to identify non-expected activity</li><li>
Investigate alerts, escalating items for further review and reporting as necessary.</li><li>
Analyze complex financial transactions, utilizing knowledge of various payment message formats, (e.g. SWIFT, ISO 20022)</li><li>
Analyze and visualize complex datasets and communicate to a wide variety of audiences</li><li>
Collaborate with internal stakeholders, including the Client Risk team, Compliance, Legal, and Sales teams, to support ongoing client activity review processes and as required drive behavioural changes</li><li>
Support the design, build and operationalization of tooling to support the function</li><li>
Collaborate with product and engineering to improve quality of available data</li><li>
Contribute to the continuous enhancement of monitoring processes, policies, and procedures, identifying gaps and recommending improvements to strengthen the team&rsquo;s operating model.</li><li>
Maintain accurate and organized records of all reviews, ensuring a complete audit trail.</li><li>
Report suspicious transactions and activities to relevant departments/authorities</li></ul>
Qualification &amp; Skills:<ul><li>
3+ years of relevant professional experience in AML, transaction monitoring, or similar financial crimes compliance role, with focus on transaction monitoring of client activity</li><li>
Demonstrated knowledge of key payment message formats, including SWIFT MT and ISO 20022 (e.g., pacs, camt, pain messages), and their implications for transaction reviews</li><li>
Exceptional analytical skills with the ability to interpret complex data, identify patterns, and anomalies</li><li>
Working knowledge of banking products, corresponding banking relationships, transaction analysis</li><li>
Familiarity with transaction monitoring systems and proficiency in data analysis tools and software</li><li>
Must be independent and comfortable in a fast paced and often multi-directional work environment</li><li>
Ability to build frameworks and procedures</li><li>
Team oriented; strong interpersonal, communication and presentation skills</li><li>
Excellent organizational, time management and planning skills</li><li>
Certifications: CAMS, CFE, or other relevant certifications preferred.</li></ul>
Normal Working Hours and Conditions
Core business hours are generally 9:00 am &ndash; 6:00 pm. However, this position may require work to be performed outside of the core business hours based on Company operations across different time zones.<h2 class="jobSectionHeader"> 
AML RightSource is committed to fostering a diverse work environment and is proud to be an equal opportunity employer. We provide equal employment opportunities to all qualified applicants without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.</h2>
Recruitment Scam Alerts
We&rsquo;re aware of an increase in recruitment scams where individuals falsely claim to represent AML RightSource. These scammers may ask for money or personal information by offering fake job opportunities through e-mail, text message or social media. Please verify the source of any job-related communications carefully. All official AML RightSource communications are conducted through &quot;@amlrightsource.com&quot; email addresses. If you encounter suspicious messages, do not respond.</div>

Senior Analyst (Correspondent Banking) - Noida, India

United States Citigroup

The CRIU Lead Analyst is senior professional responsible for performing risk and compliance reviews in coordination with the broader Anti-Money Laundering (AML) team. The overall objective is to utilize in-depth AML knowledge to review, analyze and conduct effective due diligence and investigations on higher risk cases that may be a potential risk to Citi. Responsibilities may also include review of cases completed by Analysts for timeliness and accuracy, coaching/training team members, as required, and assisting management in exams/audits, and mitigating operational risks. Responsibilities: Investigations <ul> <li>Conduct investigations and research on potentially suspicious clients using various internal and external systems and databases</li> <li>Document and report the review/investigation findings and prepare case files with the required supporting documentation</li> <li>Summarize, in writing, clear and concise findings of the investigations</li> <li>Advise senior management on next steps and provide recommendations on the next course of action (relationship retention, termination, Suspicious Activity Report (SAR))</li> <li>Manage risks by analyzing the root cause of issues and impacts to business</li> <li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li> </ul> Operational outputs and execution Oversee all statistical data/metric relating to team performance, productivity and quality; to include: <ul> <li>Active participation in team meetings to communicate current trends and issues</li> <li>Prepare, review, monitor and report to CRIU L2 managers on weekly productivity metrics, and contribute to implementing actions based on reported trends</li> <li>Prepare and produce daily reports on team performance/timeliness through publication of MIS reports;</li> <li>Utilise productivity, quality and performance data to inform capacity planning team CRIU management and UAE AMLCO</li> </ul> Monitor and maintain daily reports in respect of complex case classification, and update Case Management tools accordingly Where appropriate prepare the required reports and submit to: <ul> <li>CRIU L2 management</li> <li>CRIU L 1 Management</li> <li>UAE AMLCO (or deputy)</li> <li>Internal Audit</li> <li>Any regulatory requirements as specified</li> </ul> Monitor, review and report on manual case creation including complex classification and where appropriate report to CRIU management Monitor, review and report on data concerning case closure to ensure compliance with global policy, monitor disputes and where appropriate report to CRIU management Oversee team output as senior checker for all questionable activity to include responsibility for developing on-the-job training and coaching programs bespsoke to new hires in respect of execution activity Act as point of contact to manage data requirements for planned Audit/regulatory reviews and existing open CAPs: <ul> <li>Preparing CRIU-related deliverables for audits and regulatory reviews;</li> <li>Participating in meetings with audits, responding to queries, etc.</li> </ul> Maintain and oversight over the operational and technological issues facing the CRIU L2 team and ensure smooth operational process through ongoing automation activity. Act as the main point of liaison with other units and departments notably CI-CRIU, Fraud, L1 teams in Warsaw and KL Act as delegate to the UAE CRIU Management in the relevant forums and meetings whenever required. Review the new policy updates with the UAE CRIU Manager and ensure it had properly communicated and understood by the team members. This role my also be responsible for: <ul> <li>Review AML cases completed by Analysts to ensure that any material AML risks have been mitigated and case documentation is in accordance with the unit s policies and procedures.</li> <li>Carry out SAR Reporting Officer responsibilities by Reviewing/Approving Suspicious Activity Reports (SARs) drafted by Analysts consistent with FinCEN requirements.</li> <li>Ensure SAR related regulatory timelines and requirements are followed by the team (i.e., in accordance with CBUAE SLAs).</li></ul> Qualifications: <ul> <li>ACAMS certified</li> <li>6 -10 years of experience</li> <li>4+ years of experience in drafting and/or approving Suspicious Activity Reports (SARs) in accordance with applicable regulatory requirements</li> <li>Understanding of advanced money laundering typologies and techniques, and investigative practices for detecting such activity</li> <li>Ability to operate with a limited level of direct supervision</li> <li>Ability to exercise independent judgement and autonomy</li> <li>Proficient in MS Office</li> <li>Proven analytical skills</li> <li>Effective verbal and written communication skills</li> <li>Comprehensive knowledge of CBUAE AML regulations preferred</li> <li>Responsible for volume, quality and timeliness of work product</li> <li>Follows procedures and identifies opportunities to strengthen controls</li> <li>Learns from experiences, adapts and improves, and welcomes challenge from others on processes and decisions</li> <li>Takes ownership and accountability for delivering outcomes, takes responsibility for own work</li> <li>Succeeds together: Builds strong relationships with stakeholders</li> </ul> Education: <ul> <li>Bachelor's/University degree, Master's degree preferred</li></ul>

Vice President - Anti Money Laundering Lead Analyst

Synovus

<div>Job Summary
Conducts investigations of potential/suspected financial crimes and/or fraud. Utilizes systems and a variety of investigative techniques and tools to collect, collate, and analyze financial and background information and makes informed decisions concerning customer account status/retention. Recognizes and evaluates high risk accounts, potential watch list matches and dispositions, and other suspicious and/or questionable account activity. Analyzes data and determines when cases are to be submitted to law enforcement and/or prosecutors for potential legal action. Takes appropriate action to stop or prevent data or monetary losses by assessing internal controls and procedures associated with financial crimes and fraud cases. Constructs case narratives, when appropriate, to support required BSA regulatory reporting. Evaluates the root cause of cases and, where appropriate, recommends specific incidents for review of potential control gaps. Assists and reviews the work of less experienced team members.
Job Duties and Responsibilities
<ul><li>Conducts investigations of suspected financial crimes and/or fraud. Applies analytic techniques to information sets to make logical and supported recommendations on reporting activities to the Financial Crimes Enforcement Network (FinCEN) and/or the OFAC. Performs enhanced due diligence on customers designated by regulators as high risk, such as international and large cash customers.</li>
<li>Stay informed of fraud trends, threats, and attack methods. Leverage that knowledge of both the industry and internal fraud controls to provide training and guidance to front-line and other employees. From time to time visit branches to evaluate fraud trends and/or conduct awareness training. Where possible, cultivate relationships with law enforcement and other financial institutions.</li>
<li>Utilizes knowledge of bank systems, processes and contacts as resources for conducting investigations. Develops a plan of action and gathers, analyzes and compiles evidence for multiple case assignments. Prepares case documentation and writes a complete final summary report of investigation.
</li><li>Inputs all investigation activities and detailed field notes into the case management database within five business days to provide a complete summary of the overall investigation. Calculates total attempted fraud amounts as well as total loss amounts on all confirmed fraud cases. Maintains and reports accurate data for the creation of the Executive Level Business Review to for senior management and operational risk committees.
</li><li>Interviews customers, employees, and suspects. Traces financial transactions and reviews the background and financial profile of suspected individuals. Works with management to determine when a case should be closed, recovered or charged off when all investigative leads and the potential for recovery have been exhausted. Closes cases in the case management database.
</li><li>Communicates with branch staff to obtain additional customer information and/or information needed for supporting documentation, reports and risk mitigation. Assists branch personnel, when necessary, to conduct customer interviews to address certain specific alerted transactional issues,
</li><li>Escalates cases to applicable Synovus department or team based on details of case. Compiles confidential case documents for referral to Corporate Security when law enforcement involvement may be required. Prepares all case-related Suspicious Activity Reports (SARSs) that are forwarded to Synovus Compliance within 30 days. Hands off investigations to Synovus Audit and/or Compliance when team members are involved.
</li><li>Assesses internal controls and procedures associated with assigned cases, identifying control breakdowns and makes recommendations to prevent future losses. Assists with determining new procedures to prevent, detect and investigate fraud. Reviews fraud data to ensure accuracy for reporting and audit purposes. Assists with computer crime investigations and investigates breaches for information security policies as requested.
</li><li>Maintains updated information on various systems as well as required files and documentation. Ensures records are complete and available for review and audit as needed. Complies with regulatory requirements, security and applicable policies and identifies control and procedural issues. Manages the security of highly sensitive information related to fraud investigations. Participates in special projects as required.
</li><li>Prepares and submits case narratives for Suspicious Activity Reports (SAR) to the AML/BSA department for review and FinCEN filing, ensuring narrative and SAR form are completed accurately and within procedural and regulatory deadlines while maintaining detailed records of narratives to provide supporting documentation for audits and regulatory reviews.
</li><li>Works with the bank's compliance and BSA/AML teams as required to enable fraud related activities ensuring compliance with regulatory requirements. Stays updated on FinCEN and regulatory guidance related to SAR filing processes and narratives, fraud trends, and financial crime reporting.
</li><li>Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion.
</li><li>Performs other related duties as required.
</li></ul>The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
Synovus is an equal opportunity employer committed to fostering an inclusive work environment. 
 
Minimum Education:
<ul><li>Bachelor's degree or an equivalent combination of education and experience.</li>
</ul>Minimum Experience:
<ul><li>Five years of fraud/financial crimes experience including transaction monitoring, investigative research, and analysis of potentially suspicious activity.</li>
</ul>Certifications:
<ul><li>Certified Fraud Examiner or similar designation.</li>
</ul>Required Knowledge, Skills, &amp; Abilities:
<ul><li>Knowledge of applicable federal and state laws related to financial crimes including the Uniform Commercial Code (UCC), Regulation E, Regulation CC, and the Law Enforcement Criminal Code.</li>
<li>Knowledge and understanding of all fraud categories/types.</li>
<li>Thorough knowledge of bank operations, policies, and procedures required to facilitate investigations.</li>
<li>Knowledge of the general fraud risk associated with financial institutions.</li>
<li>Proficiency using word processing and spreadsheet software programs</li> 
</ul> 
Preferred Knowledge, Skills, &amp; Abilities:
<ul><li>Experience working at a large bank or financial services firm is preferred.</li></ul></div>

Sr. Fraud Investigator

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