KYC & Transaction Monitoring Analyst, X Payments

xAI • Bastrop, TX • 4w ago

Conduct initial Level-1 triage reviews for KYC, Sanctions screening, and Transaction Monitoring alerts, ensuring thorough assessment and compliance with regulatory standards.
Escalate high-risk, ambiguous, or complex cases to KYC and Transaction Monitoring Program Managers for further investigation and resolution.
Support ongoing monitoring of user risk profiles, proactively flagging changes such as sanctions matches, unusual activity, or profile updates for timely review.
Collaborate with the KYC Program Manager to optimize verification workflows, minimizing manual interventions, boosting auto-approval rates, and enhancing overall onboarding efficiency.
Provide actionable feedback on KYC tools and systems to improve accuracy, reduce false positives, and streamline user experiences.
Analyze patterns in verification failures, fraud attempts, or suspicious activities to propose data-driven process improvements and risk mitigation strategies.
Investigate and disposition Transaction Monitoring alerts by leveraging internal AI tools to detect unusual transactional patterns, generate summaries, and make informed decisions on escalations or closures.

3-5 years of hands-on experience in AML, Compliance, Audit, or Risk Management, ideally with a technology focus in the payments and financial services industries.
In-depth knowledge of BSA/AML laws and regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC sanctions, and related requirements.
Proven familiarity with local, regional, and international regulatory bodies (e.g., FinCEN, FATF, or equivalent), with practical experience navigating their guidelines.
Demonstrated ability to drive operational changes, manage competing priorities, and collaborate effectively across global teams and regions.
Strong analytical mindset with structured problem-solving skills, a sense of urgency, and the capacity to work independently under minimal supervision.
Excellent verbal, written, and presentation skills, paired with interpersonal abilities to influence stakeholders at all levels and advance strategic initiatives.
Quick learner with adaptability to evolving technologies, regulations, and business needs.
AML-related certifications (e.g., CAMS, CGSS) are preferred but not required.

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