Senior AML Investigator

  • Full Time

About, together with its wholly owned subsidiaries Divvy and Invoice2go, is focused on being the one stop shop that simplifies, digitizes, and automates complex financial operations for small and midsize businesses. Customers use the platform to manage end-to-end financial workflows and to process payments. The AI-enabled, financial software platform creates connections between businesses and their suppliers and clients. It helps manage cash inflows and outflow. The company partners with several of the largest U.S. financial institutions, the majority of the top 100 U.S. accounting firms, and popular accounting software providers. has its headquarters in San Jose, California with offices in Houston, Texas, Draper, Utah, and Sydney, Australia.

Mission: is seeking a highly motivated, organized, detail-oriented candidate to join the Compliance Team as a Sr. AML Investigator. You will be reporting to the Senior Compliance AML and OFAC Investigations Manager. This position is based in Houston, Texas but remote can be considered. You will be responsible for transaction monitoring, investigations, and filing Suspicious Activity Reports. In addition, you will be on the frontlines for OFAC reviews and escalations. You will work collaboratively with members of the Compliance Team, based in San Jose, CA, as well as cross-functional stakeholders. 
In this role, you will investigate customer activity across the payment platform to identify any potential fraud, money-laundering, and terrorist financing risks, draft suspicious activity reports for your investigation in line with regulatory expectations, and file suspicious activity reports at scale. In addition, you will help to review, investigate, and report OFAC screening results. You will also be expected to complete ad hoc investigations and side projects.


Professional Experience/Background to be successful in this role:


  • BA/BS degree. 
  • 5-7+ years of experience in AML compliance at a financial services organization
  • Experience in or with:
  • Actimize, researching on the internet, and using LexisNexis. 
  • Conducting investigations in OFAC, Anti-Money Laundering, Fraud, and Payments
  • FinCEN SAR e-filing
  • Managing priorities
  • Working in a team environment with a track record of building relationships and working collaboratively
  • Certified Anti-Money Laundering Specialist (CAMS), Certified Fraud Examiner (CFE) or Certified Financial Crime Specialist (CFCS), JD, law enforcement, or similar background preferred

    Competencies (Attributes needed to be successful in this role):


  • Learning Abilities/Fast Learner
  • Communication
  • Team Player
  • Responsible
  • Detail Oriented
  • Organized

    Expected Outcomes in 3, 6, or 9 months:


  • 30 Days
  • Learn the product. Be familiar with’s compliance policies such as AML, AUP, KYC, OFAC, PEP and apply what you have learned
  • Set up meetings with key stakeholders in compliance, risk Operations, and Risk Strategy  
  • Complete training 
  • Start 1×1 meetings with reporting manager
  • Get familiar with the OFAC and SAR process 
  • Begin to work on transaction monitoring. Conduct research and disposition alerts as needed.
  • 60 Days
  • Continue learning about our policies, procedures, and culture
  • Become familiar with current customer onboarding processes, KYC, customer verification process, OFAC screening, exception processing 
  • Understand AML risk scoring models and process and AML rules 
  • Review recent AML and regulatory exams and audits  
  • Begin to work on SAR filing and OFAC screening. Continue to work on transaction monitoring  and disposition alerts as needed.  Begin help out OFAC research and disposition of alert activities 
  • 90 Days
  • Plan out activities and goals for the remainder of the year
  • Manage transaction monitoring and SAR filing
  • Conduct OFAC research and disposition of alert activities   
  • Include your goals in system of record



    This role can be based in one of our office locations in San Jose, CA, Houston, TX, or Draper, UT, or remote.
    #LI-Remote is committed to a policy of equal employment opportunity. We recruit, employ, train, compensate, and promote without regard to race, color, age, sex, ancestry, marital status, religion, national origin, disability, sexual orientation, veteran status, present or past history of mental disability, genetic information or any other classification protected by state or federal law. Culture:
    ●      Humble – No ego
    ●      Fun –  Celebrate the moments
    ●      Authentic – We are who we are
    ●      Passionate – Love what you do  
    ●      Dedicated – To each other and the customer
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