Lead Financial Crimes Investigator

Discover. A brighter future.

With us, you’ll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it — we want you to grow and make a difference at one of the world's leading digital banking and payments companies. We value what makes you unique so that you have an opportunity to shine.

Come build your future, while being the reason millions of people find a brighter financial future with Discover.

Job Description:

What You’ll Do

• Responsible for performing various detailed and accurate investigations across all Financial Crimes Operational areas, which include suspicious activity, know your customer/partner, watch list screening, anti-bribery and corruption, and other various responsibilities. This role requires specialized subject matter expert knowledge for multiple investigation areas. Investigator is responsible for reviewing customer/partner demographics, transactional activity, watchlist alert matches, automated and manual referrals of customer/partners for unusual activity, and potential bribery or corruption activities in accordance with multiple regulatory requirements. Obtains necessary supporting documentation for reviews and investigations and reviews internal source systems, third-party investigative tools, as well as any other applicable sources. Files reporting items such as Sanctions True Matches, FinCEN 314a matches, or Suspicious Activity Reports. Supports the maintenance of strategies, operating plans, and oversight of anti-money laundering functions. 
• Actively manages and escalates risk and customer-impacting issues within the day-to-day role to management.

How You’ll Do It

• Conducts thorough investigation and analysis of customer/partner demographic information and account relationships, transaction activity and irregularities, and internal/external research to make risk-based decisions related to list screening, customer/partner due diligence, and potential fraud and/or suspicious activity. 
• Responsible for supporting the development and execution of strategies that enable the company main compliance with anti-money laundering programs. Drives process improvements and identifies risk mitigation opportunities. Reviews automated and manual referrals of unusual activity.
• Performs various reviews to ensure compliance with the Foreign Corrupt Practices Act (FCPA) and other applicable Anti-Bribery and Anti-Corruption (ABAC) laws and regulations.
• Prepares accurate and detailed written investigation findings and report submissions. Determines if additional tasks are required, account closure recommendations or customer/partner contact.
• Ability to pivot, as directed, within Financial Crimes Operations to perform accurate and detailed reviews while maintaining or exceeding average daily output and quality review scores. 
• Participates in internal and external training opportunities, team/department meetings, and industry peer groups to maintain advanced awareness of Financial Crimes Operations and industry knowledge. 

Qualifications You’ll Need
The Basics

• Bachelor's Degree in Business Administration and Management, Finance, Law, or related field
• 6+ years of experience in AML, ABAC, Fraud, Legal, Regulatory Compliance, Financial Analysis, or related field
• In lieu of a degree, 8+ years of experience in AML, ABAC, Fraud, Legal, Regulatory Compliance, Financial Analysis, or related field​

Physical and Cognitive Requirements
The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable a qualified individual with disabilities to perform the essential functions of the position as required by federal, state, and local laws:

• Primarily remain in a stationary position.
• No required movement about the work environment to complete the major responsibilities of the job.
• Primarily performed indoors in an office setting.
• Ability to operate office equipment such as but not limited to computer, telephone, printer, and calculator.
• Ability to communicate verbally.; Ability to communicate in written form.

Bonus Points If You Have

• 8+ years of experience in AML, ABAC, Fraud, Legal, Regulatory Compliance, Financial Analysis, or related field
• CAMS, CGSS, TRACE, CAFP, CFE Certification, other Compliance, Fraud, Audit or related certification 

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