Financial Crime Compliance/AML Investigator

OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.

Tens of millions of Americans today are unbanked or underbanked, meaning they don't have enough money in savings to cover a minor emergency. They pay too much in fees, don't have access to credit at affordable rates, and have little ability to grow their wealth. OnePay's vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:

• Checking and high-yield savings accounts

• Domestic and international peer-to-peer payments

• Credit Builder and credit score monitoring

• Digital wallet / contactless payment solutions

• Credit card program

• Buy-now-pay-later installment loans at Walmart

• Prepaid mobile service

Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world's largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.

There's never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us

As a FCC Investigator, your mandate is to protect the safety of our customers by implementing the procedures and controls we have in place. This role will impact OnePay's vision by fundamentally assisting in the development of a durable program, and the effectiveness of our financial crime compliance program. You will work closely with the Risk and Fraud team(s) working on daily monitoring and taking action on suspicious transaction alerts, and using strong investigative and analytical skills to decision alerts and escalate them as appropriate. This role reports to the FCC program manager.

This role is responsible for:

• Performing investigation to identify financial crime typologies

• Monitoring of sanctions and PEP screening alerts

• Drafting suspicious transaction reports

• Providing advice and analysis of observed ML/TF typologies and trends to identify potential areas of risk

• Perform quality control reviews of sanctions and suspicious transactions alerts and reports

• Participating in transaction monitoring system tuning tests

• Additional duties as assigned by your manager
  

• 4+ years of experience

• An act-like-an-owner mentality. We have a bias toward taking action.

• Strong investigations experience with ability to tie disparate red flags and to effectively document conclusive results

• Past experiences implementing BSA/AML program improvements a plus

• Ability to synthesize transactional behavior through different views of transaction data set (e.g. chronological and pivoted summary data)

• Self-starter, able to anticipate management needs, and comfortable working in a dynamic environment

• Meticulously organized with ability to successfully manage disparate assignments in parallel

• Results-oriented and analytical, with ability to work independently and adaptively, to anticipate and mitigate friction points, and to take action to promptly resolve and learn from challenges

• Ability to work closely and communicate effectively with colleagues in all functions at all levels who are working remotely

• Skilled in both written and verbal communications with all levels of an organization

• CAMS or current candidacy a plus

• Competitive salary, stock options, and benefits from Day 1

• Comprehensive health insurance coverage (health insurance, accident and disability insurance, term life insurance), including mental health support and wellness programs

• Hybrid work model (Bengaluru office three days a week), various time off programs (vacation, sick, other paid leaves, and paid regional holidays)

• Monthly transport and work-from-home allowances

• A high-growth, mission-driven, inclusive culture where your work has real impact

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at