AML Analyst (US, ET)
Description
- Join Zepz: Breaking Down Borders, Together
- Our Meaningful Mission
- At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech.Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad.
- We're not just moving money; we're building a world that truly recognizes and supports global connections.
- Who You'll Be Joining
- We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk.
- Our Core Commitments — What We Live By
- Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact:
- Integrity: We always do the right thing. It’s simple, but it’s the foundation of everything we build for our customers and each other.
- Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering.
- Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve.
- Perks of Joining Our Team
- We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performanceOur remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive.
- This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave , great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work.
- This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel.
About the role and team We are looking for dynamic AML Investigation Analysts to join our US AML team, to ensure compliance with US regulatory requirements (e.g., FinCEN) and relevant company policies related to Anti-Financial Crime.
- What you will own
- As an AML Investigation Analyst, you will support all Anti-Financial Crime tasks including AML, terrorism financing, sanctions, KYC, and fraud. Reporting to the AMLCO, you will detect Money Laundering typologies and Financial Crime patterns, while handling external and internal requests to detect potential financial crime.
- Accurately risk assess new and existing customers, and resolve appropriate issues where required.
- Communicate with customers via email to meet Zepz ongoing customer due diligence requirements and obligations.
- Investigate and evaluate narrative reports on suspicious account activities drafted by our 1st line of defense, in strict accordance with our processes and the US Bank Secrecy Act (BSA).
- Support enquiries from external parties reaching Zepz and handling these cases based on our processes.
- Evaluate escalations relating to Sanction Screenings and PEPs.
- Draft and submit Suspicious Activity Reports (SARs) to FinCEN.
- Devising new and enhanced typologies for transaction monitoring including indicators and scenarios that relate to Zepz’s customers’ typical behavior.
- Uphold the quality standards of the team and organisation, while successfully driving your day-to-day tasks in line with the companies target KPIs and SLAs.
- Develop a good understanding of the compliance framework to support improvements and enhancements to our existing operational processes.
- Support peers and colleagues from our global departments and provide training where necessary.
- What you bring to the table
- Minimum 3 years relevant experience in the AML and KYC industry.
- University degree or equivalent educational background.
- You have an in-depth knowledge of US Bank Secrecy Act (BSA) and its implementing regulations on Financial Crime, AML, terrorism financing, sanctions, KYC and fraud.
- Conducting QA on 1st line of defense activity on a regular basis.
- You have excellent communication skills both verbal and written.
- You are detail orie
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