AML Transaction Monitoring Team Lead

A. Team & Leadership Support

i. Leading and Management

• Supervise and guide a team of AML transaction monitoring senior specialists, on case investigation techniques, risk indicators, and documentation standards.
• Provide informal refresher/training/guidance sessions on evolving emerging typologies or regulatory changes.

ii. Stakeholder & Escalation Handling

• Serve as an escalation point of contact for operational queries or when handling time-sensitive or high-risk alerts.
• Manage escalations for any urgent or complex cases that would require additional information during investigations.

iii. Process Improvement Contribution

• Identify recurring investigation issues, false positive trends, or operational bottlenecks.
• Propose practical process improvements to enhance efficiency and reduce operational risks.
• Support system testing or enhancement initiatives related to the transaction monitoring platform.

B. AML Transaction Monitoring Operation (Core Responsibilities)

i. Monitoring & Case Investigation

• Review and analyse alerts generated from transaction monitoring systems for potential suspicious activity
• Investigate flagged transactions by reviewing account activity history, transaction patterns, client profiles, and external data sources.
• Identify red flags such as unusual transaction volumes, structuring, rapid movement of funds, or transactions involving high-risk jurisdictions, suspicious patterns, unusual behaviour, and high-risk activities.

ii. Complex Case Handling

• Take the lead on more complicated investigations — like:

a) Large or irregular transactions involving offshore or sanctioned countries.

b) Transactions by politically exposed persons (PEPs) or high-risk clients.

c) Rapid fund movement or suspected layering activity across multiple accounts.

• Gather supporting evidence from various systems, client documents, and open-source information.
• Prepare comprehensive case reports detailing findings, rationale for decision, and risk assessment.

iii. Reporting & Documentation

• Record and document findings including detailed analysis, supporting evidence for potential suspicious activity, and prepare report submission to the regulators, where required.

iv. Ad-Hoc AML/ CFT Review

• Support any ad-hoc reviews, thematic investigations, or advisory requests related to specific clients, industries, or transactions flagged by Compliance.

v. Regulatory & Policy Adherence

• Ensure investigations and decisions align and comply with local and international AML/CFT regulations.