AML Officer

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

Responsibilities:

• Investigate complex financial crime alerts, customer activity and higher-risk scenarios across real-time screening and retrospective monitoring activity.
• Analyse transactional behaviour, 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.
• Analyze customer applications and perform risk-based recommendations, including PEP, Sanctions, and Adverse Media checks
• 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.
• Lead and collaborate with cross-functional teams on day-to-day tasks as well as on projects
• Work closely with the AML Manager and the MLRO/OCR to escalate suspicious transactions to the relevant national authorities.

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

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

Qualifications

Basic Qualifications:

• 5 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:

• Experience within AML, financial crime investigations, transaction monitoring, sanctions compliance or related risk-based compliance operations.
• Strong financial crime risk assessment capability and ability to interpret complex transaction activity.
• Excellent investigation, written communication and case narrative skills.
• Ability to make sound risk-based decisions using complex or incomplete information and explain decision rationale clearly.
• Strong stakeholder management, communication and influencing skills.
• Ability to work under pressure while maintaining accuracy, prioritization and risk discipline.
• Experience coaching, mentoring or supporting junior colleagues.
• At least 5 years of experience working with AML/CTF in an operational, hands-on role
• ACAMS, ICA, sanctions or equivalent financial crime qualification.
• Experience within payments, fintech, banking, e-money or cross-border financial services.
• Knowledge of AML typologies, sanctions frameworks, ownership and control concepts, PEP screening, adverse media, fraud risk indicators and regulatory expectations.
• Experience supporting QA, calibration, process improvement, audit, governance or control effectiveness reviews.
• Experience contributing to rule refinement, false-positive reduction, typology development or operational readiness activity.

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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