FinCrime Investigator - AML Investigations

Location: Global

Team: General

About the Role

Wise is a global technology company revolutionizing the way people move and manage money worldwide, with min fees, max ease, and full speed. As a FinCrime Investigator - AML Investigations, you will safeguard Wise and its customers from financial crime by investigating suspicious activities, analyzing transactions, and ensuring compliance with AML/CTF regulations. This role offers a unique opportunity to deepen your FinCrime expertise in a rapidly growing company, making a tangible impact on platform integrity. Your key responsibilities include conducting in-depth investigations using internal and external data, evaluating transaction monitoring alerts, preparing comprehensive reports, and collaborating with cross-functional teams to enhance fraud detection. You will act as an escalation point for complex cases, mentor team members, stay ahead of emerging FinCrime trends, and communicate professionally with customers and stakeholders while upholding high experience standards. Join our global General team and contribute to Wise's mission of creating a new network for the world's money. With flexible hours and a proactive culture, this position is ideal for detail-oriented professionals passionate about financial crime prevention.

Key Responsibilities

• Conduct in-depth investigations of potentially suspicious activity, utilizing both internal and external data sources.
• Analyze complex financial transactions and customer behavior to identify patterns indicative of money laundering, fraud, or other financial crimes.
• Evaluate and assess alerts generated by transaction monitoring systems and other detection tools.
• Prepare detailed and comprehensive investigation reports, documenting findings and recommendations.
• Act as a point of escalation for complex FinCrime cases from other operations teams, providing guidance and expertise.
• Collaborate with product and engineering teams to improve fraud detection rules, processes, and system enhancements.
• Communicate effectively with internal stakeholders, including compliance, legal, and customer support teams.
• Liaise with financial institutions and law enforcement agencies as needed.

Required Qualifications

• Strong verbal and written communication skills in English, with the ability to produce clear, concise, accurate, and professional reports, summaries, and customer communications. Additional languages are a plus.
• 2+ years of experience in operations, compliance, or a related field, preferably with exposure to financial crime or AML processes.
• Proven ability to conduct thorough and objective investigations, analyze complex data, and draw logical conclusions.
• Ability to work independently and make decisions within well-defined procedures.
• Strong organizational skills with the ability to multitask, prioritize effectively, and manage time efficiently in challenging situations.
• Willingness to work flexible hours, including shifts, weekends, and public holidays as needed.
• Proactive attitude with a willingness to learn and develop in the financial crime domain.

Preferred Qualifications

• Experience in financial crime or AML processes.
• Additional languages beyond English.
• Mentoring or training experience in FinCrime investigations.

Required Skills

• Analytical and problem-solving skills
• Attention to detail
• Documentation skills
• Data analysis
• Pattern recognition
• Customer communication
• Regulatory knowledge (AML/CTF)
• Time management
• Multitasking
• Proactivity

Benefits

• RSUs (stock options)
• Flexible working
• Parental leave
• Learning budget
• Paid sabbatical after 4 years
• Health insurance
• Company retreat
• Wise card

Wise is an equal opportunity employer committed to building a diverse workforce.