反洗钱调查员
AML Investigator
Mercury 正在为初创公司构建完整的金融基础设施。我们努力打造最便捷、最安全的银行体验，以简化企业家和企业主的财务生活。挑战在于，在确保保护 Mercury、客户以及更广泛的金融生态系统免受不良行为者和非法或未经授权活动影响的同时实现这一目标。
我们的反洗钱调查团队在这一使命中至关重要，负责检测可疑活动、进行彻底调查并阻止不良行为者。该团队正在扩大，我们正在寻找一名额外的 AML 风险调查员，协助我们处理银行合作伙伴的信息请求、交易监控、金融犯罪调查、案件管理以及撰写异常活动报告。作为调查团队的一员，您将帮助处理我们的交易监控队列，同时在风险意识和用户体验之间取得平衡。起初，您将帮助确保我们建立智能的风险导向监控机制，并协助完善我们的案件管理技术和流程。
您需要了解各种各样的业务运作方式，并将您的知识应用到我们的流程和产品中。其中一些工作是重复性的，需要高度关注细节，因此我们需要一位热爱处理欺诈和反洗钱交易队列，并能管理多种复杂调查的人。
_*_ _Mercury 是一家金融科技公司，不是 FDIC 保险的银行。银行业务通过 Choice Financial Group 和 Column N.A. 提供，均为 FDIC 成员。_
#### **在旅程中，我们期望您：**
- 在我们实施新的交易监控规则和优化现有规则时提供意见
- 审查我们交易监控队列中的 AML 和其他金融犯罪警报，并根据需要采取行动
- 联系我们的用户，获取他们账户使用和交易的信息
- 与我们的合作伙伴和内部团队成员合作，审查和评估从用户处获得的信息
- 调查并回应来自合作银行的信息请求（RFI），对客户的账户活动进行清晰、有依据的 AML 审查
- 根据需要对用户账户做出决策，包括锁定或关闭账户
- 理解我们所服务的每种用户类型的预期活动
- 记录调查结果，并将异常或可能可疑的活动上报给我们的合作伙伴以考虑提交 SAR
- 发展对各类用户预期活动的理解
查看英文原文
Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify entrepreneurs' and business owners’ financial lives.The challenge is to do so while ensuring we protect Mercury, customers and the broader financial ecosystem from bad actors and harmful, illegal or unauthorized activities.
Our AML Investigations team is crucial in this mission and is responsible for detecting suspicious activity, conducting thorough investigations, and shutting down bad actors. This team is growing and we’re looking to hire an additional AML Risk Investigator to help us with Bank Partner Requests for Information, Transaction Monitoring, Financial Crime Investigations, Case Management and drafting Unusual Activity Reports. As a member of our Investigations team, you’ll help handle our transaction monitoring queues while balancing an eagle eye for risk with excellent user experience. To begin with, you’ll work to help make sure we have smart, risk-based monitoring in place and help build out our case management technology and processes.
You’ll need to learn how a really wide range of businesses work and bring your knowledge to bear on our processes and product. Some of this work is repetitive and requires close attention to detail, so we need someone who loves working fraud and anti-money laundering transaction queues and managing a variety of complex investigations.
_*_ _Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC._
#### **As part of the journey, we would expect you to:**
- Provide input as we implement new transaction monitoring rules and tune existing ones
- Review AML, and other financial crime alerts in our transaction monitoring queue and take action as needed
- Contact our users for information on their account usage and transactions
- Work with our partners and internal team members to review and assess information received from users
- Investigate and respond to Requests for Information (RFIs) from our Partner Banks, delivering clear, well-supported AML reviews on customer’s account activity
- Decision user accounts as needed, including locking or closing accounts
- Develop an understanding of expected activity for each type of user we work with
- Document investigative findings and escalate unusual or potentially suspicious activity to our Partners for SAR consideration
- Develop an unfailing eye for potential fraud or money laundering
- Investigate tools that would make your job easier
- Write clear documentation on current processes and help train future teammates
#### **Some things that might make you successful in a role like this:**
- Have experience in identifying money laundering, detecting fraud, or other financial crimes related behavior in banking, fintech, or other financial services through vendor AND in-house developed transaction monitoring rules
- Be fluent in the language of bank transactions, including ACH, check, debit card, credit card, and wire transfers, both domestic and international
- Understand the business banking landscape and have familiarity with international activity and ownership
- Exercise empathy and understanding when communicating with users
- Communicate complicated concepts with efficiency and clarity, both in speech and writing
- Manage relationships with external parties with confidence and kindness
- Work with efficiency and focus
- Understand how to keep an organized and clean inbox
- Love problem solving and making teams, product, and processes more efficient
- Derive joy from customer joy
- Enjoy thinking about how to automate as much of your job as possible
- Be curious about the US banking system, startups, and ecommerce companies
Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.
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**Total Rewards**
The total rewards package at Mercury includes base salary, equity (stock options/RSUs), and benefits.
Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.
Our target new hire base salary ranges for this role are the following **:**
US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area:
$121,700—$152,100 USD
US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area:
$109,500—$136,900 USD