Job Role: AML Compliance Analyst

• Remote Job

Things You Get To Do:

• Collaborate with globally-distributed teams to implement and strengthen the firm’s Financial Crimes program and identify risks across CIP/KYC, AML, Anti-Fraud, and Fraud Monitoring initiatives.
• Investigate potentially suspicious activity through transaction monitoring alerts, escalations, and referrals.
• Ensure that transaction monitoring alerts, regulatory submissions, and case investigations are completed/submitted within the established deadlines and SLAs.
• Screen individuals, entities, and transactions to assess potential matches against OFAC, global sanctions, PEP, enforcement, and adverse media watchlists.
• Review and respond to time-sensitive escalations, FinCEN 314(a) and 314(b) requests, law enforcement queries, and other regulatory inquiries.
• Support ongoing enhancements to transaction monitoring rules, policies, procedures, controls, and risk frameworks.
• Maintain audit trails with thorough, defensible documentation of investigations, alert dispositions, and compliance decisions.
• Proactively identify and escalate critical risks, emerging trends, and compliance gaps to management.
• Prepare clear, accurate, and timely SAR recommendations and narratives for management review, and support the filing of approved SARs with FinCEN.
• Partner with internal stakeholders and assist during risk assessments, remediation efforts, external audits, examinations, and regulatory engagements.
• Maintain strong knowledge of regulatory developments, financial crime typologies and red flags, trading behaviors, and regulatory expectations applicable to Alpaca’s business.
• Conduct comprehensive CIP/KYC, CDD, and EDD reviews to identify, manage, and mitigate customer and firm-wide risk.
• Evaluate source of funds, source of wealth, occupation, expected activity, and customer purpose.
• Review and disposition assigned AML, sanctions, and securities-surveillance alerts from beginning to end.
• Assist with due diligence and ongoing monitoring of introducing brokers, omnibus partners, correspondents, and other intermediaries.

Who You Are (Must-Haves):

• Excited about Alpaca’s mission and what we’re building to open financial services to everyone on the plant.
• 3-5 years of experience in Financial Crime/AML investigations (AML Alert Investigation related to retail, institutional, foreign financial firms)
• Strong understanding of U.S. regulatory requirements (e.g., BSA/AML, USA PATRIOT Act, SEC/FINRA regulations).
• Familiarity with trading activity and a variety of financial crime typologies, including spoofing, layering, wash trading, front-running, insider trading, fraud(deposit/withdrawals,account takeover/transfers) and manipulative order behavior.
• Demonstrated ability to identify and escalate unusual activity and document investigations in a clear, concise, and audit-ready manner.
• Strong investigative writing skills, including the ability to prepare clear, concise, and audit-ready case narratives and SAR recommendations.
• Strong analytical skills, sound judgment, attention to detail, and ability to prioritize multiple tasks and deadlines effectively.
• Experience using transaction-monitoring, sanctions-screening, case-management, fraud-monitoring, or securities-surveillance systems.
• Ability to work independently and adapt to a rapidly changing business and regulatory environment.
• Experience conducting open-source intelligence research and evaluating public records, adverse media, corporate information, and other investigative sources.
• Working knowledge of domestic and international payment systems.
• Ability and willingness to work a schedule that provides meaningful overlap with U.S. Eastern Time.

Who You Might Be (Nice-to-Haves):

• Knowledge of FinTech Broker Dealer Space and able to support a fast paced environment.
• Experience with U.S. Registered Broker/Dealer – Correspondent Clearing Firms.
• Familiarity with Transaction alerting platforms (e.g. riskCanvas/Genpact).
• Previous experience working in a remote or global team environment.
• Ability to identify automation opportunities and leverage AI tools to enhance efficiency.
• Experience investigating U.S. ACH, wire, brokerage transfer, ACATS, digital-asset, or cross-border payment activity.
• CAMS, CFCS, CFE, or another relevant AML, fraud, or financial crime certification preferred.