Compliance Investigator 2

SWIVEL is seeking a talented individual to conduct transaction and merchant monitoring reviews across the SWBC/SWIVEL payments ecosystem. This role is responsible for identifying, investigating, and documenting potentially suspicious or high-risk activity, including fraud, money laundering, sanctions, terrorist financing, and other suspicious money movements. The investigator will support suspicious activity reporting, monitor real-time risk queues to meet service level expectations, and partner with internal stakeholders on client outreach, education, and risk mitigation strategies while maintaining confidentiality in accordance with applicable regulatory requirements. _**Essential duties include the following:**_ * Review and investigate transaction monitoring alerts involving potentially suspicious, unusual, or high-risk payment activity. * Analyze ACH, card, merchant, client, and portfolio-level activity to identify fraud, money laundering, sanctions, operational, or compliance risk indicators. * Conduct due diligence and investigative research using internal systems, case management tools, public records, adverse media, internet research, and other relevant sources. * Document investigative steps, findings, rationale, and recommendations in a clear, complete, and audit-ready manner. * Escalate matters requiring additional review, remediation, client outreach, account restrictions, reporting, or other risk mitigation action. * Monitor client-level and portfolio-level trends and communicate emerging issues, patterns, and recommendations to compliance leadership. * Partner with Account Management, Operations, Product, and other internal teams to support client communications, remediation strategies, and control recommendations. * Support departmental service levels through proactive queue management, timely case dispositioning, and accurate prioritization of time-sensitive reviews. _**Serious candidates will possess the minimum qualifications:**_ * Minimum of three (3) years of experience in AML investigations, transaction monitoring, payments risk, financial crimes compliance, credit risk review, or a related financial services risk function. * Working knowledge of the laws applicable to money laundering, including the Bank Secrecy Act, the USA PATRIOT Act, US Treasury AML guidelines, OFAC requirements, and Suspicious Activity Reporting requirements. * Strong analytical and research skills with the ability to evaluate complex activity, identify patterns, and support conclusions with evidence. * Strong written and verbal communication skills, including the ability to explain risk concerns, investigation outcomes, and recommended actions clearly. * High attention to detail, sound judgment, and the ability to manage confidential information appropriately. * Strong organizational skills with the ability to manage multiple priorities, meet deadlines, and work effectively in a queue-based environment. * Proficiency with Microsoft Office applications, including Outlook, Word, and Excel. * Experience in payment processing, fintech, merchant acquiring, ACH, card processing, NACHA requirements, card scheme rules, or money services business environments. * Experience using transaction monitoring systems, fraud tools, sanctions screening tools, case management platforms, or data analytics tools. * Experience drafting or contributing to SAR narratives, quality control reviews, or regulatory/audit-ready case documentation. * Familiarity with emerging fraud trends, payment typologies, merchant risk indicators, account-to-account payments, or other evolving financial crime risks. * Ability to translate investigative findings into practical control recommendations, client guidance, or operational remediation steps. * CAMS, CFE, CFCS, or similar financial crimes, fraud, compliance, or risk certification preferred. * Sit for long periods of time performing sedentary activities. * Stand, stoop, and kneel to file for long periods of time. * Push, pull, and lift up to 20 lbs. of files, supplies, documents, or other related items. _**SWIVEL offers\*:**_   * Competitive overall compensation package * Work/Life balance  * Employee engagement activities and recognition awards  * Years of Service awards * Career enhancement and growth opportunities  * Leadership Academy and Mentor Program * Continuing education and career certifications  * Variety of healthcare coverage options * Traditional and Roth 401(k) retirement plans  * Lucrative Wellness Program _\*Based upon employee eligibility_  _**Additional Information:**_ SWIVEL is a Substance-Free Workplace and requires pre-employment drug testing. Please note, SWIVEL does not hire tobacco users as allowed by law. To learn more about SWIVEL, visit our website at [https://www.getswivel.io/](https://www.getswivel.io/). If interested, please click the appropriate apply button.