The Role
We are looking for a seasoned FCC Transaction Monitoring Investigator reporting to the FCC Operations Manager, to lead complex investigations into suspicious financial activity. The successful candidate will be instrumental in strengthening our financial crime compliance framework, managing risk, and ensuring regulatory adherence through in-depth transaction monitoring and analysis.
What You’ll Do:
Independently manage, review, and investigate transaction monitoring alerts, identifying potential money laundering, fraud, terrorist financing, and other financial crimes.
Conduct deep-dive investigations using multiple data sources and tools to assess customer behaviour and transactional patterns.
Prepare clear, comprehensive investigation reports and Suspicious Transaction Reports (STRs) for submission to regulatory authorities.
Provide subject matter expertise and guidance to junior analysts on investigative methodology and case handling.
Work closely with cross-functional teams (Operations, Product, Customer Support, Sales and MLRO) to gather relevant information and resolve cases efficiently.
Support the enhancement and calibration of transaction monitoring rules and scenarios to improve detection quality and reduce false positives.
Maintain documentation to evidence decision-making in line with regulatory and internal standards.
Collaborate with the Quality Assurance team to ensure accuracy and consistency in alert dispositioning.
Assist in regulatory inspections, internal audits, and compliance reviews, ensuring readiness and high standards of investigative quality.
Stay current on local and global AML/CFT regulations, typologies, and best practices to apply them effectively in daily work.
Regulatory and Business Conduct
Display exemplary conduct and live by the Standard Chartered Group’s Code of Conduct.
Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Code of Conduct.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters
Key Stakeholders
What You’ll Need:
An open and curious attitude
Ability to collaborate with all levels of management.
Able to manage conflicting priorities and situation
In-depth knowledge on financial service products including store value facility, retail payment services and consumer protection
Bachelor’s degree in finance, Business, Law, or related field; postgraduate qualification or certifications such as CAMS, CFE, or equivalent is highly preferred.
6–8 years of experience in transaction monitoring and investigations within a regulated financial institution or fintech environment.
Strong understanding of UAE AML/CFT regulations and international standards (e.g., FATF, Wolfsberg).
Proficient in using transaction monitoring systems (e.g., Actimize, SAS, FICO, or equivalent) and case management tools.
Strong analytical and investigative skills with an ability to make risk-based decisions and articulate findings.
Excellent communication skills, especially in drafting detailed investigation reports and STRs.
Experience working in a fast-paced, regulated environment with exposure to emerging risks and technologies.
High integrity, discretion, and commitment to upholding compliance standards.
