Anti-Money Laundering Officer Jobs
Anti-Money Laundering Officer jobs are open across banking, fintech, insurance, and credit unions, from analyst-level to senior and managerial roles, with specializations in transaction monitoring, sanctions compliance, and BSA program management. Find a role that fits below and apply directly.
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Role: The Fraud and Anti-Money Laundering (AML) Expert contributes to the attainment of CapEd’s business objectives and mission by monitoring, detecting, investigating, and mitigating fraud and financial crimes risks across the Credit Union. The Fraud and AML Expert conducts complex fraud and money laundering investigations, prepares and files regulatory reports, performs enhanced due diligence reviews, identifies emerging fraud and financial crimes risks, supports audits and examinations, partners with other roles to facilitate employee training, and provides guidance to the Fraud Expert and AML Expert on fraud and BSA/AML-related matters. This position exercises sound judgement and independent decision-making within established polices, procedures, and regulatory requirements while helping protect the Credit Union from financial loss, regulatory risk, and reputational harm.
Essential Functions & Responsibilities:
Fraud Detection, Prevention & Mitigation
Monitor and investigate fraud alerts, suspicious activity, and emerging financial crime risk
Make timely, independent decisions to mitigate fraud exposure and prevent losses
Analyze fraud trends and recommend enhancements to fraud detection, monitoring, and controls
Serve as a second-line resource to employees and members regarding fraud prevention, fraud recovery, and identity theft concerns.
Fraud Investigations & Case Management
Conduct complex fraud and financial crime investigations
Analyze account activity, transaction history, and supporting documentation to determine appropriate actions.
Maintain accurate and complete investigative case records in accordance with regulatory and organizational standards.
Coordinate with law enforcement, peer financial institutions, and external organizations when necessary to support investigations and recovery efforts.
BSA/AML Monitoring & Investigations
Review and investigate BSA/AML alerts, referrals, and potentially suspicious activity.
Conduct complex investigations involving money laundering, structuring, elder financial exploitation, human trafficking indicators, account takeover, and other financial crimes.
Serve as Co-Chair on SAR Committee
Conduct enhanced reviews of high-risk transactions, relationships, and activities and maintain supporting documentation for filing decisions
Conduct FinCEN 314(a) searches and participate in 314(b) information-sharing activities.
Assist with updates to the Credit Union's BSA/AML and financial crimes risk assessments.
Member Due Diligence
Conduct Enhanced Due Diligence (EDD) reviews for high-risk consumer and business relationships.
Evaluate account activity and risk factors to identify elevated risk and recommend appropriate controls or monitoring.
Support ongoing due diligence and customer risk-rating processes.
Compliance, Audits & Governance
Ensure compliance with applicable BSA, AML, OFAC, USA PATRIOT Act, fraud prevention, and financial crimes regulatory requirements.
Support audits and regulatory examinations through reporting, documentation, and issue remediation
Monitor regulatory changes, fraud trends, and industry best practices and recommend process enhancements.
Prepares fraud loss and CTR error reporting to leaders and the Board.
Internal Support
Serve as a departmental subject matter expert for fraud prevention and BSA/AML compliance
Provide guidance and support to Fraud Experts, AML Experts, and business units regarding complex financial crime matters
Partner in the development and delivery of fraud and BSA/AML training and awareness initiatives
Support projects and initiatives that strengthen the Credit Union's financial crimes program.
Support the Risk and Financial Crimes Manager with system optimizations (e.g. alert refinement, under threshold testing, etc.)
Maintains knowledge of all Credit Union products, services, and promotions.
Contributes to efficient Credit Union operations by performing other job-related duties as assigned
Experience: Five to eight years of direct BSA/AML investigative experience, card fraud, check fraud, and ACH fraud. Strong working knowledge of SAR narrative requirements and CTR reporting and transaction monitoring systems.
Education: (1) A bachelor’s degree, or (2) completion of formal or specialized certifications or licensing recognized in the industry as equivalent to a bachelor’s degree (CFE or ACU BSA/AML certifications in lieu of a degree).
Brand Promise: To make a difference - every member experience matters. Employees of CapEd carry out our promise and values of EP!C by being Empowered - We are knowledgeable and trusted to make decisions. Professional - We are respectful in creating outstanding experiences. Innovative - We seek new ideas for positive change. Collaborative - We connect with each other to implement solutions
Critical Job Competencies
- Contributing to Team Success: Actively participating as a member of a team to move the team toward the completion of goals.
- Building Loyalty and Trust: Interacting with others in a way that gives them confidence in one’s intentions and those of the organization. Making the needs of others a priority in order to actively build and develop productive internal and external relationships.
- Decision Making: Independently identifying and understanding issues, problems, and opportunities; comparing data from different sources to draw conclusions; using effective approaches for choosing a course of action or developing appropriate solutions; taking action that is consistent with available facts, constraints, and probable consequences.
- Risk Taking: Initiating action that tries to achieve a recognized benefit or advantage when potential negative consequences are understood.
Very Important Job Competencies
- Adaptability, Energy, and Stress Tolerance: Taking responsibility to meet member needs and build loyal relationships; Maintaining professional performance and character under pressure, provocation, or ambiguity; Consistently sustaining high levels of activity or productivity with vigor and effectiveness over extended periods of time.
- Meeting Participation: Using appropriate interpersonal styles and methods to help reach a meeting’s goals while considering the needs and potential contributions of others.
- Delegating Responsibility and Developing Others: Developing individuals while allocating decision making authority and/or task responsibility to maximize the organization and individuals’ effectiveness.
- Managing Conflict: Dealing effectively with others in an antagonistic situation; using appropriate interpersonal styles and methods to reduce tension or conflict between two or more people.
Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and/or remain in a stationary position; use hands to finger, handle, operate, input or feel; reach with hands and arms in any direction; talk, communicate, converse, exchange information and hear; balance, kneel, walk and stand, occasionally moving and traversing; and will frequently use a computer and/or phone. There may be repetitive motions, making substantial movements of the wrists, hands, and/or fingers. The employee needs the ability to wear personal protective gear correctly. This is considered sedentary work: exerting up to 10 to 25 pounds of force occasionally and/or a negligible amount of force frequently or consistently to lift, carry, push, pull or otherwise move objects, including the human body. Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.
Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The worker is subject to inside environmental conditions: protection from weather conditions but not necessarily from temperature changes and/or seasonal brightness through windows. This position may involve periodic stressful conditions. The Credit Union’s business days are Monday through Saturday between the hours of 8:00 a.m. to 6:30 p.m.; however, this position may occasionally require an adjusted work schedule, overtime, and to include evening/weekend hours. The noise level in the work environment is usually moderate.
Disclaimer: NOTICE: This job description does not create a contract of employment and at all times your employment, if any, remains at will. This job description also in no way limits the duties to be performed by the employee, which may be assigned or modified from time to time by Capital Educators Federal Credit Union. Please know that Capital Educators Federal Credit Union is an Equal Employment Opportunity Employer and all decisions regarding employment including hiring and promotion are based on the individual meeting the essential functions of the job, with or without reasonable accommodation, and without a direct safety threat or undue hardship.
Role: The Fraud and Anti-Money Laundering (AML) Expert contributes to the attainment of CapEd’s business objectives and mission by monitoring, detecting, investigating, and mitigating fraud and financial crimes risks across the Credit Union. The Fraud and AML Expert conducts complex fraud and money laundering investigations, prepares and files regulatory reports, performs enhanced due diligence reviews, identifies emerging fraud and financial crimes risks, supports audits and examinations, partners with other roles to facilitate employee training, and provides guidance to the Fraud Expert and AML Expert on fraud and BSA/AML-related matters. This position exercises sound judgement and independent decision-making within established polices, procedures, and regulatory requirements while helping protect the Credit Union from financial loss, regulatory risk, and reputational harm.
Essential Functions & Responsibilities:
Fraud Detection, Prevention & Mitigation
Monitor and investigate fraud alerts, suspicious activity, and emerging financial crime risk
Make timely, independent decisions to mitigate fraud exposure and prevent losses
Analyze fraud trends and recommend enhancements to fraud detection, monitoring, and controls
Serve as a second-line resource to employees and members regarding fraud prevention, fraud recovery, and identity theft concerns.
Fraud Investigations & Case Management
Conduct complex fraud and financial crime investigations
Analyze account activity, transaction history, and supporting documentation to determine appropriate actions.
Maintain accurate and complete investigative case records in accordance with regulatory and organizational standards.
Coordinate with law enforcement, peer financial institutions, and external organizations when necessary to support investigations and recovery efforts.
BSA/AML Monitoring & Investigations
Review and investigate BSA/AML alerts, referrals, and potentially suspicious activity.
Conduct complex investigations involving money laundering, structuring, elder financial exploitation, human trafficking indicators, account takeover, and other financial crimes.
Serve as Co-Chair on SAR Committee
Conduct enhanced reviews of high-risk transactions, relationships, and activities and maintain supporting documentation for filing decisions
Conduct FinCEN 314(a) searches and participate in 314(b) information-sharing activities.
Assist with updates to the Credit Union's BSA/AML and financial crimes risk assessments.
Member Due Diligence
Conduct Enhanced Due Diligence (EDD) reviews for high-risk consumer and business relationships.
Evaluate account activity and risk factors to identify elevated risk and recommend appropriate controls or monitoring.
Support ongoing due diligence and customer risk-rating processes.
Compliance, Audits & Governance
Ensure compliance with applicable BSA, AML, OFAC, USA PATRIOT Act, fraud prevention, and financial crimes regulatory requirements.
Support audits and regulatory examinations through reporting, documentation, and issue remediation
Monitor regulatory changes, fraud trends, and industry best practices and recommend process enhancements.
Prepares fraud loss and CTR error reporting to leaders and the Board.
Internal Support
Serve as a departmental subject matter expert for fraud prevention and BSA/AML compliance
Provide guidance and support to Fraud Experts, AML Experts, and business units regarding complex financial crime matters
Partner in the development and delivery of fraud and BSA/AML training and awareness initiatives
Support projects and initiatives that strengthen the Credit Union's financial crimes program.
Support the Risk and Financial Crimes Manager with system optimizations (e.g. alert refinement, under threshold testing, etc.)
Maintains knowledge of all Credit Union products, services, and promotions.
Contributes to efficient Credit Union operations by performing other job-related duties as assigned
Experience: Five to eight years of direct BSA/AML investigative experience, card fraud, check fraud, and ACH fraud. Strong working knowledge of SAR narrative requirements and CTR reporting and transaction monitoring systems.
Education: (1) A bachelor’s degree, or (2) completion of formal or specialized certifications or licensing recognized in the industry as equivalent to a bachelor’s degree (CFE or ACU BSA/AML certifications in lieu of a degree).
Brand Promise: To make a difference - every member experience matters. Employees of CapEd carry out our promise and values of EP!C by being Empowered - We are knowledgeable and trusted to make decisions. Professional - We are respectful in creating outstanding experiences. Innovative - We seek new ideas for positive change. Collaborative - We connect with each other to implement solutions
Critical Job Competencies
- Contributing to Team Success: Actively participating as a member of a team to move the team toward the completion of goals.
- Building Loyalty and Trust: Interacting with others in a way that gives them confidence in one’s intentions and those of the organization. Making the needs of others a priority in order to actively build and develop productive internal and external relationships.
- Decision Making: Independently identifying and understanding issues, problems, and opportunities; comparing data from different sources to draw conclusions; using effective approaches for choosing a course of action or developing appropriate solutions; taking action that is consistent with available facts, constraints, and probable consequences.
- Risk Taking: Initiating action that tries to achieve a recognized benefit or advantage when potential negative consequences are understood.
Very Important Job Competencies
- Adaptability, Energy, and Stress Tolerance: Taking responsibility to meet member needs and build loyal relationships; Maintaining professional performance and character under pressure, provocation, or ambiguity; Consistently sustaining high levels of activity or productivity with vigor and effectiveness over extended periods of time.
- Meeting Participation: Using appropriate interpersonal styles and methods to help reach a meeting’s goals while considering the needs and potential contributions of others.
- Delegating Responsibility and Developing Others: Developing individuals while allocating decision making authority and/or task responsibility to maximize the organization and individuals’ effectiveness.
- Managing Conflict: Dealing effectively with others in an antagonistic situation; using appropriate interpersonal styles and methods to reduce tension or conflict between two or more people.
Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and/or remain in a stationary position; use hands to finger, handle, operate, input or feel; reach with hands and arms in any direction; talk, communicate, converse, exchange information and hear; balance, kneel, walk and stand, occasionally moving and traversing; and will frequently use a computer and/or phone. There may be repetitive motions, making substantial movements of the wrists, hands, and/or fingers. The employee needs the ability to wear personal protective gear correctly. This is considered sedentary work: exerting up to 10 to 25 pounds of force occasionally and/or a negligible amount of force frequently or consistently to lift, carry, push, pull or otherwise move objects, including the human body. Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.
Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The worker is subject to inside environmental conditions: protection from weather conditions but not necessarily from temperature changes and/or seasonal brightness through windows. This position may involve periodic stressful conditions. The Credit Union’s business days are Monday through Saturday between the hours of 8:00 a.m. to 6:30 p.m.; however, this position may occasionally require an adjusted work schedule, overtime, and to include evening/weekend hours. The noise level in the work environment is usually moderate.
Disclaimer: NOTICE: This job description does not create a contract of employment and at all times your employment, if any, remains at will. This job description also in no way limits the duties to be performed by the employee, which may be assigned or modified from time to time by Capital Educators Federal Credit Union. Please know that Capital Educators Federal Credit Union is an Equal Employment Opportunity Employer and all decisions regarding employment including hiring and promotion are based on the individual meeting the essential functions of the job, with or without reasonable accommodation, and without a direct safety threat or undue hardship.
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Find JobsAnti-Money Laundering Officer Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in Anti-Money laundering officer jobs.
- Bachelor's degree in finance, accounting, criminal justice, or a related field
- CAMS certification or active enrollment in the ACAMS certification program
- Experience filing Suspicious Activity Reports and Currency Transaction Reports
- Proficiency with transaction monitoring systems such as NICE Actimize or Oracle FCCM
- Working knowledge of Bank Secrecy Act and FinCEN regulatory requirements
- Experience conducting customer due diligence and enhanced due diligence reviews
Tips for Your Anti-Money Laundering Officer Job Search
Tailor your resume to BSA frameworks
Hiring managers scan for specific regulatory language. Reference the Bank Secrecy Act, USA PATRIOT Act, and FinCEN requirements by name on your resume, and call out any SAR or CTR filing experience in a dedicated compliance section.
Lead with your CAMS certification
The Certified Anti-Money Laundering Specialist credential signals immediate readiness to most financial institution hiring teams. Place it in your resume header alongside your name and contact details, not buried in an education section at the bottom.
Apply early to roles that fit
Migrate Mate lists anti-money laundering officer openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target job titles that map to your specialty
Job postings for this function use inconsistent titles: BSA officer, financial crimes analyst, AML compliance associate. Search each variation separately so you don't miss openings that match your experience but use a different title than you expect.
Prepare a case-based interview response
Interviewers at banks and credit unions routinely ask you to walk through how you identified and escalated a suspicious activity scenario. Prepare two specific examples: one involving transaction monitoring alerts and one involving customer due diligence findings.
Negotiate scope, not just compensation
When you receive an offer, ask which regulatory examinations you'll support and whether the role includes ownership of the written AML program. These details affect your career trajectory far more than title alone and are almost always negotiable before you sign.
Anti-Money Laundering Officer Jobs: Frequently Asked Questions
Which companies are hiring the most anti-money laundering officers?
The companies hiring the most anti-money laundering officers right now include Capital One, Information Technology Senior Management Forum, and M&T Bank, with the largest share of openings in Virginia, New York, and Ohio, based on current listings on Migrate Mate as of November 2026. Regional banks, credit unions, and fintech firms with money services business licenses consistently post the highest volume of openings nationwide.
How many anti-money laundering officer jobs are remote?
About 100% of anti-money laundering officer openings are fully remote or hybrid as of November 2026, with availability concentrated in transaction monitoring, alert review, and policy writing roles. Functions that require in-person examiner interaction or vault access, such as branch-level BSA oversight, remain predominantly on-site.
How do you become an anti-money laundering officer?
Start with a bachelor's degree in finance, accounting, or a related field, then gain entry-level experience in banking operations, fraud investigation, or compliance. Pursue the CAMS certification through ACAMS to signal technical readiness to employers. Build direct experience with SAR filing, customer due diligence reviews, and transaction monitoring platforms before applying to officer-level roles.
Can you get hired as an anti-money laundering officer with little experience?
Yes, many institutions hire candidates with limited direct AML experience if they have adjacent skills. Fraud investigation, bank operations, or paralegal work in financial services all translate well. Earning a CAMS certification before applying and demonstrating familiarity with BSA regulatory requirements in your resume significantly improves your chances at entry-level officer roles.
What does the anti-money laundering officer interview process look like?
Most hiring processes include an initial screening call with HR, followed by a technical interview where you walk through how you handle transaction monitoring alerts, escalation decisions, and SAR narratives. A final round with the BSA officer or compliance director typically tests your knowledge of FinCEN guidance and your approach to customer due diligence edge cases.
Where can I find and apply to anti-money laundering officer jobs?
You can find and apply to anti-money laundering officer jobs on Migrate Mate, which lists current openings from across the United States. Find roles that match your experience and apply directly to each listing from the page.
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Find roles that match your experience and apply in just a few clicks.
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