Anti-Money Laundering (AML), Investigator II - Transaction Monitoring Operations
Capital One, Chicago, IL, United States
The qualified candidate will support various Anti‑Money Laundering (AML) processes for our lines of business, including suspicious activity investigations, reporting, enhanced due diligence, or other AML processes. The candidate will possess AML and investigation/research experience and strong written communication skills. They will work closely with management to ensure critical functions are fulfilled timely and accurately. This role does not include regular supervisory responsibilities.
Responsibilities
Review system generated alerts to assess presence of illicit activity that may require reporting based on Bank Secrecy Act (BSA)/AML requirements, conduct research as required, and document detailed results in written format.
Review system generated alerts, ad hoc alerts and departmental referrals, and address other applicable AML processes in accordance with regulations and time limitations.
Document investigative results in written format; provide sufficient research to support investigative decisions.
Complete and validate quality Suspicious Activity Reports (SARs) in accordance with procedures through Financial Crimes Enforcement Network (FinCEN).
Escalate issues as appropriate for advanced investigation and analysis.
Build and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g., financial, legal, reputation, etc.).
Engage with peers and team to support the AML collaborative environment.
Additional responsibilities as needed.
Autonomy and Supervisory Responsibilities
Level Of Supervision: Occasional supervision required.
Structure Level: Structures occasional tasks independently.
Typically reports to: AML Supervisor (Sr. Investigator).
Basic Qualifications
High School Diploma, GED, or equivalent certification.
At least 6 months of investigative or research experience.
At least 1 year of Microsoft Office or Google Suite experience.
Preferred Qualifications
Bachelor's Degree.
1+ years of experience in Anti-Money Laundering (AML), Fraud, Investigations, or as an Analyst.
6+ months of financial services industry experience.
1+ years of experience in Investigations or Research.
Association of Certified Anti-Money Laundering Specialists (ACAMS), Certified Fraud Examiner (CFE), Certified Financial Crimes Investigator (CFCI), or other relevant certification(s) or industry-related association membership.
Work from Home Technology Requirements
A secure home office environment that is free from background noise and distractions.
A reliable private internet connection that is not supplied by use of cellular data (hot spot).
Cable or fiber connections are preferred.
Internet service download speeds must be at least 5 Mbps, 10+ Mbps preferred; check your download speed using a speed test.
Sustained ability to maintain latency less than 250 ms in voice calls is required.
Hard wired connectivity is preferred; any use of wireless connectivity must be private (non-public) and password protected through WPA2‑PSK (AES) encryption. If you have any questions about your encryption, consult your internet provider.
A private network is password protected where you have ownership or line of site to every device on the network.
Capital One reserves the right to request proof of internet provider, speed and service package from the associate.
Requirements are subject to change, as new systems and technology is delivered. Capital One reserves the right to modify internet service requirements with sixty (60) days notice.
Work from Home Living Requirements
Candidates must live within approximately 50 miles driving distance of one of the hub locations based in Wilmington, DE, Richmond, VA, Plano, TX, Chicago, IL, McLean, VA and be comfortable coming in person whenever required with no less than 24 hours notice.
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
Salary ranges for this role are:
Chicago, IL: $62,900 - $71,800 (AML Investigator II)
McLean, VA: $69,100 - $78,900 (AML Investigator II)
Plano, TX: $62,900 - $71,800 (AML Investigator II)
Richmond, VA: $62,900 - $71,800 (AML Investigator II)
Wilmington, DE: $62,900 - $71,800 (AML Investigator II)
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level.
No agencies please. Capital One is an equal‑opportunity employer (EOE, including disability/veteran) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries.
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Responsibilities
Review system generated alerts to assess presence of illicit activity that may require reporting based on Bank Secrecy Act (BSA)/AML requirements, conduct research as required, and document detailed results in written format.
Review system generated alerts, ad hoc alerts and departmental referrals, and address other applicable AML processes in accordance with regulations and time limitations.
Document investigative results in written format; provide sufficient research to support investigative decisions.
Complete and validate quality Suspicious Activity Reports (SARs) in accordance with procedures through Financial Crimes Enforcement Network (FinCEN).
Escalate issues as appropriate for advanced investigation and analysis.
Build and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g., financial, legal, reputation, etc.).
Engage with peers and team to support the AML collaborative environment.
Additional responsibilities as needed.
Autonomy and Supervisory Responsibilities
Level Of Supervision: Occasional supervision required.
Structure Level: Structures occasional tasks independently.
Typically reports to: AML Supervisor (Sr. Investigator).
Basic Qualifications
High School Diploma, GED, or equivalent certification.
At least 6 months of investigative or research experience.
At least 1 year of Microsoft Office or Google Suite experience.
Preferred Qualifications
Bachelor's Degree.
1+ years of experience in Anti-Money Laundering (AML), Fraud, Investigations, or as an Analyst.
6+ months of financial services industry experience.
1+ years of experience in Investigations or Research.
Association of Certified Anti-Money Laundering Specialists (ACAMS), Certified Fraud Examiner (CFE), Certified Financial Crimes Investigator (CFCI), or other relevant certification(s) or industry-related association membership.
Work from Home Technology Requirements
A secure home office environment that is free from background noise and distractions.
A reliable private internet connection that is not supplied by use of cellular data (hot spot).
Cable or fiber connections are preferred.
Internet service download speeds must be at least 5 Mbps, 10+ Mbps preferred; check your download speed using a speed test.
Sustained ability to maintain latency less than 250 ms in voice calls is required.
Hard wired connectivity is preferred; any use of wireless connectivity must be private (non-public) and password protected through WPA2‑PSK (AES) encryption. If you have any questions about your encryption, consult your internet provider.
A private network is password protected where you have ownership or line of site to every device on the network.
Capital One reserves the right to request proof of internet provider, speed and service package from the associate.
Requirements are subject to change, as new systems and technology is delivered. Capital One reserves the right to modify internet service requirements with sixty (60) days notice.
Work from Home Living Requirements
Candidates must live within approximately 50 miles driving distance of one of the hub locations based in Wilmington, DE, Richmond, VA, Plano, TX, Chicago, IL, McLean, VA and be comfortable coming in person whenever required with no less than 24 hours notice.
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
Salary ranges for this role are:
Chicago, IL: $62,900 - $71,800 (AML Investigator II)
McLean, VA: $69,100 - $78,900 (AML Investigator II)
Plano, TX: $62,900 - $71,800 (AML Investigator II)
Richmond, VA: $62,900 - $71,800 (AML Investigator II)
Wilmington, DE: $62,900 - $71,800 (AML Investigator II)
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level.
No agencies please. Capital One is an equal‑opportunity employer (EOE, including disability/veteran) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries.
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