Officer - AML Investigator

6 days ago

Baghdad, Baghdad, Iraq ZainCash Full time

The AML Investigator is responsible for conducting in-depth investigations on Zain Cash transactions involving customers and agents to detect and mitigate potential money laundering, fraud, or suspicious activities. The role includes transaction monitoring, customer verification, and compliance with AML policies and regulatory requirements

  • Conduct investigations on all Zain Cash transactions, including customer and agent activities, to identify suspicious financial behavior.
  • Analyze alerts and reports generated by the transaction monitoring system.
  • Assess risks and escalate cases requiring further review.
  • Contact customers and agents to verify transaction details and request supporting documentation.
  • Maintain detailed records of communications and investigation findings.
  • Examine transaction history, account activity, and behavioral trends to detect irregularities.
  • Identify red flags indicating potential financial crimes.
  • Document investigation findings clearly and accurately.
  • Ensure all case files and reports are properly maintained for audit and AML purposes.
  • Escalate confirmed suspicious cases to the AML Investigation Leader or AML Senior for further action.
  • Compliance & Policy Adherence:
  • Ensure all investigations align with company AML policies and regulatory requirements.
  • Support the AML team in implementing best practices to enhance fraud prevention efforts.
  • Collaboration & Continuous Improvement:
  • Work closely with AML team members to improve investigation processes.
  • Stay updated on AML rules, new typologies, and regulatory developments.

Requirements

Experience:
  • 1-2 years of experience in AML, financial crime investigations, fraud detection, or compliance.
  • Experience in digital banking, fintech, e-payments, or financial services is preferred.
  • Familiarity with transaction monitoring systems and fraud detection tools.
Technical Skills:
  • Strong knowledge of AML regulations, risk assessment, and financial crime investigations.
  • Experience using data analysis tools, transaction monitoring systems, and case management platforms.
  • Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint).
Soft Skills:
  • Strong analytical and problem-solving skills to identify financial crime patterns.
  • Excellent communication and report-writing skills.
  • Ability to handle sensitive information with confidentiality and integrity.
  • Detail-oriented, proactive, and able to work under pressure in a fast-paced environment.
  • Team player with the ability to collaborate across departments.

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