Analyst, Financial Crimes Investigations

About the Role:

The position of Investigations Analyst is a part of Financial Crimes and reports up through the Compliance/Risk groups. Investigation Analysts are responsible for reviewing accounts, customers, and transactions in order to detect unusual and/or illicit activity related to money laundering or terrorist financing, in accordance with Upgrade's policies and procedures. Upgrade is currently seeking individuals with a strong background in investigation analysis, trend analysis, and financial crime typologies within the lending and/or banking space. 

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. 
• Investigate cases using internal and external platforms and determine if the activity captured is suspicious.
• Prepare detailed AML investigation narratives that clearly explains the activity, risks, and disposition of a case for Upgrade's Bank Partners
• Retain evidence collected throughout the investigation including documentation, images, and call recordings, etc
• Review and analyze internal AML reports, draw conclusions, and make recommendations regarding the need for further investigation
• Conduct case analysis to detect trends and patterns of Financial Crimes that may pose significant threat to Upgrade, its partners, and customers.

What We Look For:

• Bachelor's Degree or higher
• CAMS Certification preferred, but not required
• 1+ years of experience in Financial Crimes Investigations
• Knowledge of transaction monitoring, AML typologies and current financial crime trends.
• Knowledge of laws applicable to money laundering, to include the BSA, The USA Patriot Act, US Treasury AML Guidelines, and Suspicious Activity Reporting (SAR) Requirements
• Experience in meeting regulatory and business deadlines with a sense of urgency while displaying a high degree of professionalism.
• Knowledge of financial products, including credit cards, lending products, and deposit accounts. 
• Strong analytical and writing skills with an aptitude for problem solving.
• Advanced knowledge of Microsoft Office, Google Suite, and Atlassian products.

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

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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.