Sr. Associate, AML Investigations

About NclusionNclusion is on a mission to provide traditional financial services to 1.5 billion people worldwide without access today. Without a secure way to save, invest, or transfer money, individuals are not empowered to accumulate short or long-term wealth. We're changing that by bridging the gap between traditional banking and the communities that need it most.About The RoleWe’re looking for a Senior Associate of AML Investigations to support the detection, review, and escalation of potentially suspicious activity across our customer base. This role sits within the second line of defense and focuses on investigating transaction alerts, identifying financial crime risks, and ensuring AML controls are applied consistently and effectively. You’ll operate with a high degree of autonomy on day-to-day casework while escalating higher-risk or complex matters as needed.What You’ll DoInvestigate transaction monitoring alerts and other risk signals to identify potentially suspicious activityConduct end-to-end case reviews, including analyzing customer behavior, transactional patterns, and relevant risk indicatorsDetermine when activity warrants escalation and support the preparation of Suspicious Activity Reports (SARs) or equivalent regulatory filingsPerform enhanced due diligence (EDD) in support of investigations, including gathering and assessing additional customer informationDocument investigative findings clearly, ensuring decisions are well-supported and aligned with internal policies and regulatory expectationsEscalate high-risk or complex cases to Compliance leadership with clear rationale and supporting evidencePartner with Compliance, Product, and Operations teams to improve transaction monitoring rules, workflows, and investigative processesTrack and report on investigation outcomes, identifying trends, typologies, and emerging risksSupport ongoing refinement of AML controls to improve detection accuracy and operational efficiencyWhat You Bring to the Table3+ years of experience in AML investigations, transaction monitoring, or financial crime compliance within financial services or fintechHands-on experience reviewing alerts and conducting investigations in a production environmentFamiliarity with AML typologies (e.g., structuring, layering, fraud, sanctions evasion) and red flag indicatorsExperience with SAR drafting or contributing to regulatory reporting processes is strongly preferredUnderstanding of KYC/CDD/EDD concepts and how they inform investigative decision-makingExperience in payments, money movement, or similar high-velocity transaction environments is a plusStrong analytical skills with the ability to synthesize large volumes of data into clear, defensible conclusionsHigh attention to detail and ability to manage multiple investigations simultaneouslyAbility to work independently, exercise sound judgment, and escalate appropriately within defined guidelinesClear written and verbal communication skills; comfort operating within a compliance and regulatory frameworkBenefits and Perks📈 401k with a match!🩺 Medical Insurance🦷 Dental Insurance👓 Vision Insurance💸 Competitive compensation & equity – We believe in sharing success.✈️ Flexible PTO – We focus on impact, not tracking vacation days. We encourage a minimum of 14 days.🍽️ In-office lunch, team events & cultureCompensationThe base pay range for this role is $100,000 – $150,000 per year.