AML OPS Analyst

Job Description: AML OPS Analyst – AML Quality Control (QC)

Role: AML OPS Analyst

Location: Bangalore / Chennai

Experience: 10+ years in Anti-Money Laundering (AML) operations

Required Skill: AML Quality Control (QC)

Band: BPO 3 / 4

Salary: Up to ₹12.5 LPA

Work Authorization: H1 / OPT / Green Card (GC) / US Citizen

Job Code: To be updated

Job Summary

We are looking for an experienced AML Operations Analyst with strong AML Quality Control (QC) expertise to review and analyze AML transaction monitoring alerts, identify suspicious activities, conduct preliminary investigations, and ensure compliance with regulatory requirements and internal policies. The ideal candidate should have strong analytical, investigative, and documentation skills, along with hands-on experience in AML alert review and disposition using FCRM.

Key Responsibilities

Review and analyze AML alerts generated through FCRM, identifying potential red flags such as structuring, unusual high-volume transactions, high-risk activity, and changes in customer transaction behavior.

Review alerted transactions and the previous 30 days of account activity to understand transaction patterns and determine whether the activity aligns with the customer's expected profile.

Conduct customer profile checks to assess the legitimacy of transactions against customer information, occupation, business activity, and expected transaction behavior.

Perform preliminary investigations using internal systems and external data sources to gather relevant information about customers, transactions, and counterparties.

Analyze transaction patterns, identify potential suspicious activities, and document findings with clear, evidence-based rationale.

Determine appropriate alert disposition, including closing alerts as non-suspicious or escalating cases for further investigation, as per established procedures.

Maintain accurate and complete documentation of investigation findings, alert decisions, and supporting rationale in FCRM.

Ensure all reviews comply with applicable AML regulations, internal policies, standard operating procedures, and quality standards.

Identify potential compliance risks and maintain a high level of accuracy and attention to detail throughout the review process.

Required Skills and Qualifications

10+ years of experience in AML operations, with relevant experience in AML QC and transaction monitoring.

Good understanding of Anti-Money Laundering (AML) regulations, the Bank Secrecy Act (BSA), OFAC sanctions, and related compliance requirements.

Hands-on experience in reviewing AML transaction monitoring alerts and performing alert disposition.

Working knowledge of FCRM and AML investigation workflows.

Strong understanding of transaction monitoring scenarios, including structuring, unusual transaction volumes, high-risk transactions, and deviations from expected customer behavior.

Knowledge of financial products, banking transactions, customer risk profiles, and common AML red flags.

Strong analytical, investigative, and problem-solving skills.

Excellent documentation skills, with the ability to provide clear and logical investigation rationales.

Ability to follow established procedures, meet quality standards, and ensure regulatory compliance.

Additional Requirements

Former TCS employees are not eligible to apply.

PAN and Date of Birth (DOB) are mandatory for candidate profile creation.

Candidates must meet the specified work authorization requirements.

Interested candidates who meet the above criteria are encouraged to app