Analyst, Financial Crimes, AML

About the Role:

The position of Anti-Money Laundering (AML) Analyst is a part of the Financial Crimes team, which reports up through the Risk & Compliance group. The AML team is responsible for identifying, assessing, and mitigating the risks associated with money laundering, terrorist financing, and other unusual or illicit activities within Upgrade. 

As an AML Analyst, you will work under the leadership of the AML Manager and will complete thorough investigations of customers and transactions flagged by automated monitoring system(s), reports, and/or internal referrals for potential money laundering, terrorist financing, and other financial crimes. 

If you have the experience and credentials to demonstrate meaningful expertise in anti-financial crimes work, a sense of adaptability, responsibility and ownership towards problem solving, and the interpersonal skills to foster and contribute to a culture where people are eager to learn and grow professionally, this may be the role for you.

What You’ll Do: 

• Complete thorough investigations of customers and transactions flagged by automated monitoring system(s), reports, and/or internal referrals for potential money laundering, terrorist financing, and other financial crimes 
• Prepare detailed AML investigation narratives that clearly explain the activity, risks, and disposition of a case for Upgrade’s Bank Partners 
• Organize evidence collected throughout the investigation including documentation, images, and call recordings
• Review and analyze internal AML reports, draw conclusions, and make recommendations regarding the need for further investigation
• Manage your caseload appropriately to ensure timely completion of cases while consistently meeting production and quality expectations as directed by management 
• Handle priority cases such as: Vulnerable Person Abuse cases, cases associated with complaints, and cases with potential legal threats
• Assist the AML Manager with additional tasks and/or service level agreements to support the Financial Crimes team

What We Look For:

• Bachelor’s degree or higher
• 2+ years of experience in anti-financial crimes work, specifically in AML Investigations and SAR writing 
• Working knowledge of fraud and AML typologies and current financial crime trends
• Understanding of financial products, including credit cards, lending products, and deposit accounts
• Excellent research, analytical, and communication skills
• Experience in in meeting regulatory and business deadlines with a sense of urgency while maintaining high standards for quality and professionalism
• Advanced knowledge of Microsoft Office, Google Suite, and Atlassian products
• Experience with LexisNexis research tools (AML Insight, Bridger) and/or ComplyAdvantage preferred, but not required

What We Offer You: 

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance 
• Flexible PTO
• Opportunities for professional growth and development  
• Paid parental leave
• Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $70,000-$90,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

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Personal Information Upgrade Collects:

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of  recruitment, job application, or interview process. 

Purposes for Collecting Personal Information:

To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and  administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and  ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.