AML-CTF Analyst — U.S. Operations

We are seeking a hands-on and highly analytical AML-CTF Analyst to support JIM's operations in the United States.

This professional will be responsible for identifying, investigating, and escalating potentially suspicious activity across JIM's products and payment flows. The role requires experience in Anti-Money Laundering, Counter-Terrorist Financing, transaction monitoring, customer due diligence, and data analysis.

The ideal candidate is comfortable working with large datasets, investigating complex behavioral patterns, documenting regulatory decisions, and collaborating with Product, Engineering, Risk, Fraud, Legal, and Compliance teams.

Experience in U.S. financial services, payments, fintech, merchant acquiring, ACH, cards, or banking products is highly desirable.

What You'll Do

Investigate alerts and cases generated by transaction-monitoring and customer-monitoring systems.
Analyze customer profiles, transactional activity, counterparties, devices, payment methods, geographic exposure, and behavioral patterns.
Identify potential money laundering, terrorist financing, fraud, sanctions, structuring, funnel-account activity, account takeover, and other financial-crime risks.
Conduct Customer Due Diligence and Enhanced Due Diligence reviews.
Prepare clear, complete, and well-supported investigation narratives.
Support the preparation and filing of Unusual Activity Reports, Suspicious Activity Reports and other regulatory reports, when applicable.
Review activity across merchant acquiring, cards, ACH, account funding, withdrawals, transfers, and other JIM products.
Use SQL, dashboards, spreadsheets, and analytical tools to investigate cases and identify emerging risk patterns.
Support the development and improvement of AML rules, scenarios, thresholds, controls, and monitoring models.
Perform quality-control reviews and help ensure investigations meet internal and regulatory standards.
Document investigative decisions, supporting evidence, and risk-based conclusions.
Collaborate with Product and Engineering teams to translate regulatory requirements into scalable controls.
Assist with requests from sponsor banks, auditors, regulators, and internal stakeholders.
Identify process gaps and propose improvements through automation, data analysis, and artificial intelligence.
Stay current on U.S. AML, CTF, sanctions, and financial-crime regulatory expectations.

What You Need to Succeed

Experience in AML, CTF, financial-crime investigations, transaction monitoring, compliance, fraud prevention, or a related field.
Knowledge of U.S. AML requirements and regulatory expectations, including but not limited to: Bank Secrecy Act, USA PATRIOT Act, FinCEN guidance, OFAC requirements, and Suspicious Activity Reporting.
Strong analytical and investigative skills.
Ability to review complex transaction patterns and explain conclusions clearly.
Experience using SQL or other data-analysis tools.
Strong written communication skills, particularly for investigation narratives and regulatory documentation.
Ability to work independently, prioritize cases, and manage multiple investigations.
Professional proficiency in English.
Experience working in fintech, payments, merchant acquiring, banking, cards, ACH, or digital financial services is preferred.

Nice to Have

Experience preparing or reviewing Unusual Activity Reports/Suspicious Activity Reports.
Experience working with U.S. sponsor banks or regulated financial institutions.
Experience working in the fintech industry, especially in the U.S. space
Familiarity with Python, BigQuery, Looker, Metabase, or similar analytical tools.
Familiarity designing alerts based on transaction behavior
Experience using artificial intelligence to improve investigations, monitoring, documentation, or operational efficiency.
Relevant certifications such as CAMS, CFCS, or CFE.

The Future We See:

At CloudWalk, we envision a future where AI empowers every field to reach new heights:
• People teams leveraging AI to transform talent acquisition and employee development.
• Marketing professionals creating data-driven, AI-powered campaign strategies.
• Customer Success teams enhancing client experiences with intelligent solutions.
• Risk analysts combining human expertise with AI to navigate complexities.
• Designers collaborating with AI to push creative boundaries.

Join us at CloudWalk, where we're not just engineering solutions; we're building a smarter, AI-driven future for payments—together.

By applying for this position, your data will be processed as per CloudWalk's Privacy Policy that you can read here in Portuguese and here in English.

We use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, assessing responses, and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

AML-CTF Analyst — U.S. Operations

What You'll Do

What You Need to Succeed

Nice to Have

The Future We See:

submit your application

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