Senior Transaction Monitoring Analyst
New
A
AstraFinancial technology
Remote - US OnlyFull-TimeSenior
Salary$100K - $125K; $100K – $125K • Offers Equity
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Job Details
- Experience
- 4+ years in BSA/AML, financial crimes compliance, or transaction monitoring within fintech, payments, or banking.
- Required Skills
- SQL
Requirements
- Bring 4+ years of experience in BSA/AML, financial crimes compliance, or transaction monitoring within fintech, payments, or banking.
- Have hands-on experience designing, implementing, and tuning monitoring rules, not only reviewing alerts.
- Demonstrate a track record of independently conducting complex investigations and escalating suspicious activity.
- Have a strong command of BSA/AML requirements, financial-crime typologies, and risk-based monitoring.
- Have working knowledge of payment rails, particularly ACH, RTP, and debit networks.
- Have experience managing alert queues while maintaining quality and timeliness.
- Have strong SQL skills for querying and analyzing large transaction datasets.
- Have experience configuring, testing, and optimizing monitoring rules in platforms such as Unit21, Sardine, Actimize, or Verafin.
- Be able to translate detection requirements into rule logic, including thresholds, velocity calculations, aggregation windows, and behavioral patterns.
- Have working knowledge of API-driven payment architecture and rails including ACH/NACHA, RTP, FedNow, and Visa Direct.
- A bachelor's degree in finance, economics, computer science, criminal justice, or a related field is preferred; equivalent relevant experience is accepted.
- CAMS, CFE, or equivalent certification is preferred.
Responsibilities
- Design, build, test, and maintain monitoring rules across ACH, RTP, FedNow, debit networks, and other payment rails.
- Develop risk-based scenarios for typologies such as structuring, velocity anomalies, and rapid movement of funds, and identify coverage gaps.
- Backtest and tune rules to improve detection and reduce false positives, documenting rationale, configuration, testing results, and changes.
- Investigate potentially suspicious transactions and customer activity, and document findings, dispositions, and recommendations.
- Prepare suspicious activity referrals to sponsor banks and respond to information requests and follow-up reviews.
- Track alert volumes, backlogs, case aging, false-positive rates, rule performance, and investigation outcomes.
- Query and analyze transaction data to identify emerging risks, performance issues, and monitoring coverage gaps.
- Partner with Product and Engineering on monitoring capabilities, data availability, and case-management workflows.
- Support sponsor-bank inquiries, audits, and examinations with documentation and analysis.
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