Compliance Investigation Analyst - Transaction Monitoring

At MoneyGram, we're combining the strength of a trusted global brand with the agility of a tech-forward, growth driven culture. With 85+ years of experience and a presence in more than 200 countries and territories, we've built a foundation of stability and trust to help millions of people around the world send funds quickly, securely, and affordably.

We're looking for bold thinkers, builders, technologists, and sellers who want real ownership of their work, thrive in collaborative environments, and are energized by solving complex challenges. Here, you'll have the opportunity to make a measurable impact - fast.

If you're eager to shape the future of cross-border payments and financial services, join us as we transform how the world moves money.

About the role:

The Compliance Investigation Analyst ensures the business operates in accordance with all legal and regulatory requirements and all group standards relating to anti-money laundering, counter financing of terrorism (AML), and fraud prevention. The incumbent is responsible for advanced investigations that detect and report suspicious activity to government authorities and enable MoneyGram to form sound judgements concerning reputational and other risks while meeting expectations of regulators and other compliance stakeholders.

What you will be expected to do:

• Review and analyze leads for potential suspicious activity, including those generated from an alert detection processes, subpoenas and warrants, negative media reports, as well as other sources to include (but not limited to):
  • Identifying, researching and reporting suspicious activity. 
  • Managing the investigative process from initial detection to disposition.
  • Thoroughly and timely reviewing reports and other investigative leads that potentially identify suspicious activity.
  • Formulating and recommending responses to potentially suspicious findings, reporting such activity to the appropriate regulatory authorities, and support MoneyGram's forward-looking risk-mitigation response.
• Support managers, supervisors, and sr analysts in conducting moderately complex AML/Fraud investigations.
• Work with team members to determine whether to close cases, escalate findings and/or file a Suspicious Activity Report with the various global regulatory, law enforcement or, Financial Intelligence Units globally.
• Write and file Suspicious Activity Reports and recommend relationship retention or termination.
• Liaise with various Compliance, Advisory, or Business teams, Legal, Security and Law Enforcement, or other internal departments as necessary.
• Perform other duties as assigned.

What are we looking for:

Education:

• BA/BS in business, finance, law enforcement, legal studies or a related field; may be substituted with equivalent work experience in Financial Services, Law, Banking or a related field.

Experience:

• 3-5 years of compliance financial investigations, experience in money service business or banking.
• CAMS of CFE certification preferred.
• 1 year of experience in writing and preparing Suspicious Activity Reports (SARs) or similar in accordance with applicable regulatory requirements preferred.

Essential Skills:

• Intermediate knowledge of laws applicable to money laundering, including the BSA, USA Patriot act, US Treasury AML guidelines, OFAC requirements, and Suspicious Activity Reporting requirements; and/or global AML/CFT/Fraud laws and regulations.
• Excellent organization, strong time management skills, including the ability to effectively prioritize work assignments with changing priorities.
• Should be a self-starter, capable of working under minimum supervision.
• Results oriented team player.
• Able to multi-task and complete projects on time.
• Exceptional research and analytical, cross-referencing, and deductive reasoning skills.
• Strong writing, analytical and communication skills.
• Strong verbal communication skills; able to effectively communicate investigative findings and recommendations with senior leadership & law enforcement.
• Ability to communicate effectively with a culturally diverse agent and consumer base.
• Demonstrated ability to work successfully in a fast pace, highly structured, deadline driven culture.
• Experience working with highly confidential information.
• Capable of sharing knowledge, mentoring, and training other team members.
• Established solid business knowledge and comprehension of MoneyGram products and services globally.
• Knowledge of domestic and international higher risk countries, jurisdictions and corridors of AML/CTF concern, preferred.
• Fluent/bilingual communication skills, preferred.

Here Are Some Reasons You Will Love Working At MoneyGram!

• Private Medical Care (Company Paid Luxmed Package)
• Life & Accident Insurance (Company Paid Generali Package)
• Flexible remote work opportunities for certain roles, as business allows
• Social Fund (Granting Allowances: Holiday, New Child on Board, School Starter Kit)
• Sporting activity cost sharing (Company Paid Multisport Card)
• Corporate products and services at discounted prices
• Retirement Pension Plan Contribution (PPE Program)
• Employee Referral Program
• Employee Assistance Program
• Legal Assistance and Advisory for Non-EU Employees
• Dynamic work in an international business services environment - 46 languages & 57 nationalities are represented in our Warsaw workforce!
• A chance to make a difference with various charity initiatives
• Discretionary annual performance bonus

About MoneyGram :

MoneyGram is a global payments network built to move money across borders with speed, simplicity and trust. Its omnichannel platform empowers consumers, developers and agents to transfer cash, fiat and stablecoin however it works best for them.

The company serves over 60 million customers a year across 200+ countries and territories, nearly half a million retail locations and a rapidly expanding digital ecosystem reaching billions of devices. As one of the most recognized and trusted names in global payments, MoneyGram continues to reinvent how money moves - helping people around the world support their loved ones and build better futures.