The Level 2/3 Transaction Monitoring Investigator acts as the senior authority for escalated AML/CFT investigations. The role is responsible for conducting deep forensic analyses of customer transactions, risk behaviors, and typologies to determine whether activity meets the regulatory threshold for raising a Suspicious Transaction Report (STR) or Suspicious Activity Report (SAR).
This position ensures governance alignment, supports audit readiness, leads quality controls, and acts as a subject‑matter expert for junior levels.
Key Responsibilities
Lead escalated AML/CFT investigations and make final disposition decisions.
Draft, review, and approve STR/SAR narratives ensuring regulatory quality standards.
Conduct detailed end‑to‑end customer behavioral and transactional analysis across products, channels, and geographies.
Perform typology-driven investigations including layering, structuring, mule activity, TBML, sanctions evasion, and virtual asset transactions.
Engage with regulatory bodies during audits, walkthroughs, or requests for information.
Enhance investigation frameworks, contribute to policy updates, and maintain governance documentation.
Guide and mentor L1/L2 investigators through case reviews and coaching.
Propose improvements in scenario tuning, rule thresholds, false‑positive reduction, and analytics‑based model enhancements.
Collaborate with Legal, Fraud, Operations, and Risk teams on complex customer risk matters.
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