AML Compliance Analyst

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

Excited about Alpaca’s mission and what we’re building to open financial services to everyone on the planet

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

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

Competitive Salary & Stock Options

Health Benefits

New Hire Home-Office Setup: One-time USD $500

Monthly Stipend: USD $150 per month via a Brex Card

Alpaca is proud to be an equal opportunity workplace dedicated to pursuing and hiring a diverse workforce.

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