AML Analyst

About Us
Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.

Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you.

Job Description

• Investigate complex financial crime alerts, customer activity and higher-risk scenarios across real-time screening and retrospective monitoring activity.
• Analyze transactional behavior, velocity, corridors, counterparties, customer risk indicators, sanctions exposure and financial crime typologies.
• Assess potential money laundering, terrorist financing, sanctions, fraud and other financial crime risks using a risk-based approach.
• Perform Customer Due Diligence on new applications and escalate any red flags and potential risks as appropriate
• Review evidence from multiple systems, RFI responses, supporting documentation and external sources to support investigation outcomes.
• Prepare detailed investigation narratives that clearly set out evidence, judgement, escalation rationale and recommended outcome.
• Support suspicious activity escalation processes and potential sanctions exposure reviews by identifying relevant red flags and evidence.
• Provide technical coaching and guidance to Associates on investigation approach, alert disposition, documentation quality and escalation standards.
• Participate in quality assurance, calibration, thematic reviews and control effectiveness activity.
• Identify recurring false-positive drivers, typology themes, operational risks, process gaps and control enhancement opportunities.
• Contribute to monitoring rule optimization, screening effectiveness reviews, typology development and operational readiness for new controls.
• Support audit, governance, regulatory, client and senior stakeholder requests by providing accurate case context and operational insight.
• Partner with Compliance, Product, Technology and Operations stakeholders on improvements to financial crime controls.
• Maintain current knowledge of sanctions developments, AML typologies, fraud risk indicators and regulatory expectations.

Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager. 

Qualifications

Basic Qualifications:

• 2 years of relevant experience.
• Juris Doctorate degree from an accredited law school.
• Current member in good standing of a State Bar with the ability to become barred or a registered in-house counsel in the state where this role is located.

Preferred Qualifications:

• Previous experience in AML, sanctions, payment operations or a similar environment.
• Basic understanding of financial crime risks, sanctions, PEPs, watchlists, adverse media, fraud indicators or payment services risk.
• Experience within fintech, banking, payments, e-money or broader financial services.
• Relevant degree, professional qualification or equivalent practical experience.
• Strong analytical mindset and curiosity about customer behaviour, transaction patterns and financial crime risk.
• Excellent attention to detail and ability to identify anomalies within data, names, entities, geographies and payment context.
• Clear written communication and ability to produce accurate case notes and investigation narratives.
• Ability to follow procedures consistently while applying sound judgement and escalating promptly.
• Comfortable working with data, case management systems and multiple information sources.
• Ability to manage daily workload, meet deadlines and maintain quality in a regulated operational environment.
• Strong teamwork, learning agility and willingness to build financial crime expertise.

Visa is an EEO Employer

Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

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