[All remote jobs](https://jobicy.com/jobs.md)[![Mercury logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2023/11/dfb1112a-221.jpeg)](https://jobicy.com/company/mercury.md)[Mercury](https://jobicy.com/company/mercury.md) # AML Investigator III Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/mercury.md)ShareRemote from[USA](https://jobicy.com/job-region/usa.md)SalaryUSD 109,500–152,100 / yrDepartment[Legal & Compliance](https://jobicy.com/categories/legal.md)EmploymentFull TimeExperienceOpen levelPublished25 Oct 2026Apply before24 Nov 2026Listing views37Application actions4Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. AI Summary ## The role, at a glance. Mercury is seeking a senior AML investigator to review transaction-monitoring alerts, investigate potential financial crime, and respond to partner-bank requests for information. The role involves documenting case findings, making account decisions, escalating suspicious activity for SAR consideration, and helping improve monitoring rules and case-management processes. The investigator will work with ACH, checks, cards, domestic and international wires, and a wide variety of business banking customers. Success requires strong AML and fraud judgment, careful written documentation, empathy in user communications, and the ability to manage a high-volume queue of complex cases. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 4/5EasyHard ### Pace & Pressure 4/5RelaxedFast-paced ### Autonomy Level 4/5GuidedFull ownership ### Communication Load 4/5IndependentCollaborative AI insightThis is a senior compliance investigation role involving consequential account decisions, financial-crime risk assessment, and well-supported escalation documentation. It requires both detailed transaction analysis and sound judgment across varied business models and payment rails. ## Salary analysis Estimated compensation compared with the broader US market for similar roles. Estimated job median (per year)Highly competitive$130,800US market range (per year)$95k–$145k0$159.50k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer discloses a target base-salary range of $109,500–$152,100 USD, varying by US location; the annual cadence is inferred from the full-time US base-pay amounts. The overall midpoint is $130,800 per year. A reasonable estimated US market range for a senior AML investigator is $95,000–$145,000 USD annually, depending on fintech experience, jurisdictional knowledge, and location. ## Core skills Skills and capabilities most closely associated with this opportunity. [Anti-Money Laundering](https://jobicy.com/jobs?search_keywords=Anti-Money%20Laundering.md)[Transaction Monitoring](https://jobicy.com/jobs?search_keywords=Transaction%20Monitoring.md)[Financial Crime Investigations](https://jobicy.com/jobs?search_keywords=Financial%20Crime%20Investigations.md)[Fraud Detection](https://jobicy.com/jobs?search_keywords=Fraud%20Detection.md)[SAR Escalation](https://jobicy.com/jobs?search_keywords=SAR%20Escalation.md)[Case Management](https://jobicy.com/jobs?search_keywords=Case%20Management.md)[ACH Transactions](https://jobicy.com/jobs?search_keywords=ACH%20Transactions.md)[Wire Transfer Analysis](https://jobicy.com/jobs?search_keywords=Wire%20Transfer%20Analysis.md)[Banking Compliance](https://jobicy.com/jobs?search_keywords=Banking%20Compliance.md)[Risk Assessment](https://jobicy.com/jobs?search_keywords=Risk%20Assessment.md)[Regulatory Documentation](https://jobicy.com/jobs?search_keywords=Regulatory%20Documentation.md)[Customer Communication](https://jobicy.com/jobs?search_keywords=Customer%20Communication.md)[Process Improvement](https://jobicy.com/jobs?search_keywords=Process%20Improvement.md)[Monitoring Rule Tuning](https://jobicy.com/jobs?search_keywords=Monitoring%20Rule%20Tuning.md) Sample interview questionsHow do you approach investigating a transaction-monitoring alert?I first establish the alert rationale, customer profile, expected activity, and relevant transaction history. I then analyze counterparties, payment flows, timing, amounts, and supporting information, document the evidence objectively, and determine whether to clear, restrict, escalate, or seek additional information. How would you respond to a partner bank Request for Information? I would confirm the scope and deadline, gather relevant account records and prior review history, and perform a focused analysis of the activity in question. My response would be factual, concise, well-supported by evidence, and would clearly identify any residual concerns or recommended next steps. What red flags would you consider when reviewing business banking wire activity? I would assess whether wire volume, destinations, counterparties, and transaction purposes align with the customer’s stated business model. Red flags can include rapid movement of funds, unexplained international transfers, high-risk jurisdictions, inconsistent invoice support, unusual third-party payments, or activity that lacks an apparent economic purpose. How do you balance fraud prevention with a positive customer experience? I apply risk-based controls and request only information necessary to resolve the risk question. I communicate clearly and respectfully, explain next steps where appropriate, and move cases efficiently while ensuring that any restriction or closure decision is supported by documented evidence. Describe how you would improve an existing transaction-monitoring rule that creates excessive false positives. I would analyze alert outcomes by customer segment, transaction type, and disposition reason to identify the source of noise. I would propose calibrated thresholds or contextual conditions, test the change against historical cases, measure its effect on true-positive capture and alert volume, and document the rationale before implementation. Opportunity details ## About this role. Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify entrepreneurs’ and business owners’ financial lives.The challenge is to do so while ensuring we protect Mercury, customers and the broader financial ecosystem from bad actors and harmful, illegal or unauthorized activities. Our AML Investigations team is crucial in this mission and is responsible for detecting suspicious activity, conducting thorough investigations, and shutting down bad actors. This team is growing and we’re looking to hire an additional AML Risk Investigator to help us with Bank Partner Requests for Information, Transaction Monitoring, Financial Crime Investigations, Case Management and drafting Unusual Activity Reports. As a member of our Investigations team, you’ll help handle our transaction monitoring queues while balancing an eagle eye for risk with excellent user experience. To begin with, you’ll work to help make sure we have smart, risk-based monitoring in place and help build out our case management technology and processes. You’ll need to learn how a really wide range of businesses work and bring your knowledge to bear on our processes and product. Some of this work is repetitive and requires close attention to detail, so we need someone who loves working fraud and anti-money laundering transaction queues and managing a variety of complex investigations. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. ### As part of the journey, we would expect you to: * Provide input as we implement new transaction monitoring rules and tune existing ones * Review AML, and other financial crime alerts in our transaction monitoring queue and take action as needed * Contact our users for information on their account usage and transactions * Work with our partners and internal team members to review and assess information received from users * Investigate and respond to Requests for Information (RFIs) from our Partner Banks, delivering clear, well-supported AML reviews on customer’s account activity * Decision user accounts as needed, including locking or closing accounts * Develop an understanding of expected activity for each type of user we work with * Document investigative findings and escalate unusual or potentially suspicious activity to our Partners for SAR consideration * Develop an unfailing eye for potential fraud or money laundering * Investigate tools that would make your job easier * Write clear documentation on current processes and help train future teammates ### Some things that might make you successful in a role like this: * Have experience in identifying money laundering, detecting fraud, or other financial crimes related behavior in banking, fintech, or other financial services through vendor AND in-house developed transaction monitoring rules * Be fluent in the language of bank transactions, including ACH, check, debit card, credit card, and wire transfers, both domestic and international * Understand the business banking landscape and have familiarity with international activity and ownership * Exercise empathy and understanding when communicating with users * Communicate complicated concepts with efficiency and clarity, both in speech and writing * Manage relationships with external parties with confidence and kindness * Work with efficiency and focus * Understand how to keep an organized and clean inbox * Love problem solving and making teams, product, and processes more efficient * Derive joy from customer joy * Enjoy thinking about how to automate as much of your job as possible * Be curious about the US banking system, startups, and ecommerce companies Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role. #LI-DNI Total Rewards The total rewards package at Mercury includes base salary, equity (stock options/RSUs), and benefits. Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers. Our target new hire base salary ranges for this role are the following: US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $121,700—$152,100 USD US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $109,500—$136,900 USD Show more [Apply now >](https://jobicy.com/jobs/156890-aml-investigator-iii.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. 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