Business Analyst

Ready to shape the future of work

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If you thrive in a fast-moving, tech-driven environment, love solving real-world problems, and want to be part of a team that's shaping the future, this is your moment.

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Inviting applications for the role of Business Analyst/Assistant Manager - AML Transaction Monitoring

As a first line of defense, the AML Transaction Monitoring Analyst supports client teams by reviewing retail and business transactions for potential unusual activity within defined SLAs. The analyst ensures full compliance with issuing bank requirements, AML regulations, and internal policies. The role involves identifying unusual or suspicious transaction patterns such as structuring, layering, mule activities, FEC behaviors, high-risk merchant patterns, and other typologies of financial crime. In this role, you will be responsible for performing complex Transaction Monitoring (TM) investigations covering money laundering in Correspondent Banking and PSP products, terrorist financing, and tax evasion.

The analyst must use strong critical-thinking skills to assess alerts, analyze customer behavior, and determine whether activity aligns with expected patterns. The analyst should be comfortable working with multiple systems, case management tools, and open-source intelligence (OSINT) resources to perform thorough investigations. Responsibilities also include documenting findings with clear, concise narratives, collecting evidence for audit review, escalating cases when necessary, and maintaining consistent quality and productivity standards. The role requires adaptability to process updates, regulatory changes, emerging risk trends and making independent decisions.

Responsibilities

• Perform risk-based investigations on complex TM alerts and cases, identifying activity that could be indicative of money laundering, terrorist financing, and tax evasion in Correspondent Banking and PSP flows, following Global Standard TM Investigation Process and Procedures

• Analyze customer and transaction information to assess whether the alerted activity is or is not normal in the context of what is known about the customer and who they are transacting with, conducting additional background research as appropriate. Understand underlying ultimate originators and beneficiaries, their business/profile, geographies, and business sense of the transactions and relationships.

• Perform required tasks per regulations, business policy and procedures as per SOP

• Within the procedural framework, use your own judgment based on your knowledge and experience to make risk-based decisions as to what is or is not normal and therefore whether to refer the alert or case for further investigation and reporting to authorities.

• Document your investigations thoroughly by recording the details of the alert, the data you have considered, the basis of your conclusion, and any evidence you have gathered that supports your conclusion

• Maintain your primary focus on the quality and effectiveness of the investigation, whilst also ensuring that your work is completed in a timely fashion.

• Consult and collaborate with colleagues to develop your own investigations and to help others with theirs, adopting and sharing best practices, techniques, and knowledge over time, with a focus on driving continuous improvement in both your own investigations and that of the broader team

• Strive to learn and help your colleagues to learn continuously, taking and giving feedback constructively, participating actively in team continuous learning and development initiatives and training

• Act as SME & Conduct Quality Checks on the output of other team members, following QC process and procedures, as required by the Team Lead.

• Basic knowledge of Banking Industry & Regulatory Environment with in-depth knowledge of Regulations E, Z, CFPB, FACTA and FCRA

Qualifications we seek in you!

Minimum Qualifications

• Graduate with good domain knowledge

• Strong interpersonal skills, with the ability to communicate complex transactional issues correctly and clearly to both internal and external customers

• Relevant work experience in Correspondent Banking TM investigations, dealing with major Financial Institutions, PSP, and other payments providers, etc. preferably in reputable financial services organizations/Fintechs.

• Should be comfortable working with multiple systems, case management tools, and open-source intelligence (OSINT) resources to perform thorough investigations

• Strong analytical and investigative skills with the ability to identify unusual transaction behavior, red flags and typologies.

• Ability to make independent decisions on alert outcomes while following procedures.

• Strong articulation for risk findings with clear, concise narratives, collecting evidence for audit review, escalating cases when necessary, and maintaining consistent quality and productivity standards.

• Strong attention to detail and an inquisitive mindset to identify risky trends.

• Proficiency in reviewing customer profiles, transaction behavior, and risk indicators.

• Ability to prepare clear, concise narratives and investigation summaries.

• Comfortable using multiple tools, systems, and OSINT resources for investigations.

• Strong verbal and written communication skills.

• Ability to adhere to productivity, quality, and SLA requirements.

Preferred Qualifications/ Skills

• Exposure to AML Transaction Monitoring in the US, Canada, & EU is preferred.

• Advanced typing skills with high accuracy and speed (45+ WPM)

• Proficient in the use of MS office tools

• Detail-oriented with the ability to accurately compose information while multitasking

• Adaptable to process changes and willing to continuously learn new systems and procedures

• Demonstrate flexibility to work under 24.7 working environment

• Ability to work independently and in a group setting

• Knowledge of Zendesk, Salesforce, Lexis Nexis, Actimize, will be a plus

• Professional certification for Correspondent Banking (CAMS, CFE, ICA, or equivalent) preferred