Transaction Monitoring Analyst

Position Overview

We are seeking a Transaction Monitoring Analyst to support a growing financial institution’s BSA/AML transaction monitoring and investigations program. This individual will review alerts across traditional and digital payment activity, investigate potentially suspicious transactions, document findings, and assist with Suspicious Activity Report (SAR) preparation and ongoing monitoring.

The role is well suited for an investigator with experience in banking, fintech, payments, or digital assets who is comfortable analyzing complex transaction patterns across domestic and international payment channels.

Key Responsibilities

Transaction Monitoring & Investigations

• Review, investigate, and disposition transaction monitoring alerts across ACH, wires, international payments, digital assets/stablecoins, and other payment activity.


• Analyze transactional behavior to distinguish false positives from activity requiring additional investigation or escalation.


• Review customer profiles, account history, counterparties, transaction patterns, and internal records to develop a complete understanding of activity.


• Conduct external research and gather supporting information as necessary to resolve investigations.


• Maintain clear, thorough case documentation that supports conclusions and is suitable for regulatory review.


• Manage an assigned investigation queue while meeting established quality, timeliness, and productivity expectations.


• Escalate potentially suspicious activity and other financial crime concerns to appropriate compliance leadership.

SAR & Regulatory Support

• Prepare SAR narratives and supporting documentation in accordance with applicable FinCEN requirements and regulatory expectations.


• Assist with SAR escalation, review, filing, and continuing-activity assessments.


• Maintain complete records supporting SAR decisions and filings.


• Support Section 314(a) searches and responses and assist with authorized Section 314(b) information sharing.


• Help respond to subpoenas, law enforcement inquiries, regulatory requests, and other information requests in coordination with Legal and Compliance.


• Assist with regulatory examinations by compiling transaction monitoring, investigation, and SAR documentation.

Digital Asset & Enhanced Investigations

• Analyze blockchain activity when investigations involve stablecoins, digital assets, or crypto-related counterparties.


• Use blockchain analytics and other investigative tools to trace activity and identify potential financial crime risk.


• Develop familiarity with emerging typologies and red flags involving digital assets, trading businesses, correspondent banking, technology companies, and other complex customer segments.


• Coordinate with KYC and enhanced due diligence teams to obtain additional customer information and resolve investigative questions.

Program Enhancement

• Identify recurring false positives, emerging risks, and potential monitoring coverage gaps.


• Provide feedback on monitoring scenarios and support rule tuning, calibration, and transaction testing.


• Analyze investigation and disposition trends to help improve monitoring effectiveness.


• Partner with Compliance, Operations, Product, and Technology teams on enhancements to case management, workflow, reporting, and information-request processes.


• Flag customer behavior that may warrant reassessment of customer risk ratings.


• Collaborate across transaction monitoring, sanctions, KYC, EDD, and other financial crime functions on complex cases.

Qualifications

• 2–5+ years of experience in transaction monitoring, AML investigations, financial crimes compliance, or a closely related function within a bank, fintech, money services business, payments company, or digital asset organization.


• Working knowledge of BSA/AML requirements, OFAC compliance, SAR requirements, and regulatory expectations for transaction monitoring programs.


• Hands-on experience with transaction monitoring and case management systems such as Actimize, Mantas, Unit21, Hummingbird, or comparable platforms.


• Experience conducting alert investigations and producing clear, defensible disposition documentation.


• Familiarity with SAR preparation and narrative-writing standards.


• Strong investigative, analytical, and written communication skills.

Preferred Qualifications

• Experience investigating cryptocurrency, stablecoin, or other digital asset activity.


• Familiarity with blockchain analytics platforms such as Chainalysis, TRM Labs, Elliptic, or similar tools.


• Experience within a federally regulated banking environment.


• CAMS or another relevant financial crimes certification.