Transaction Monitoring Analyst Jobs
Transaction Monitoring Analyst jobs are open across banking, fintech, insurance, and payments companies, at every level from junior analyst to senior and lead, with specializations in AML compliance, fraud detection, and sanctions screening. Scan the live roles below and apply to whichever ones fit.
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Showing 5 of 8+ Transaction Monitoring Analyst jobs
Job Description Summary
The AML/FCM Senior Analyst is responsible for conducting end-to-end investigations to monitor transactional activity and ensure adherence to regulatory expectations across one or more lines of business, leveraging specialized knowledge of securities and/or banking products developed through experience, training, and/or certification.In addition, this role involves leading projects of moderate scope and complexity, resolving or recommending solutions to complex issues, and collaborating with internal stakeholders, Financial Advisors, branch personnel, and external partners to identify, research, and resolve potential concerns.
Job Description
Key Responsibilities
- Conduct routine to complex investigations of potentially suspicious activity identified through transaction monitoring surveillance, branch escalations, regulatory inquiries, or referrals from Compliance, Legal, Risk, or other business units.
- Analyze client background information, securities transactions, and fund movements to identify potential money laundering, terrorist financing, or other financial crimes.
- Utilize internal systems and external research tools, including negative news screening, to analyze activity and determine whether escalation is warranted.
- Submit 314(b) requests and Requests for Information (RFIs) to branches, as needed.
- Prepare detailed, accurate, and timely Suspicious Activity Reports (SARs) for submission to regulators and/or law enforcement when suspicious activity is identified.
- Perform continuing activity reviews and identify/report any ongoing suspicious activity.
- Communicate the findings and outcomes of complex investigations to senior leadership (AML Officers) through clear, well-written narratives, including risk analysis and supporting evidence, to support risk-based retention or termination decisions; ensure follow-through on account closures for terminated relationships.
- Administer AML policies and procedures in alignment with regulatory requirements, including the USA PATRIOT Act.
- Monitor regulatory developments and industry trends and support their integration into the firm’s AML program.
- Train and mentor team members on AML policies, procedures, and regulatory requirements.
- Deliver presentations during team and departmental meetings. Perform other duties as assigned.
Required Skills
- Strong SAR narrative writing skills, including clear and well-supported analysis of suspicious activity.
- Strong knowledge of bank and brokerage products and practices, including account types and transactional behavior.
- Knowledge of financial crime typologies, including securities fraud and market manipulation.
- Understanding of emerging financial risks and products (e.g., cryptocurrency, sanctions, informal value transfer systems).
- Ability to identify patterns, trends, and anomalies in transactional data.
- Strong organizational and time management skills, with the ability to manage multiple priorities and meet deadlines.
- Excellent written and verbal communication skills.
- Ability to work independently and collaboratively in a fast-paced environment.
- High level of professionalism, confidentiality, and customer service. Commitment to staying current with AML regulations, emerging risks, and industry best practices.
Education/Previous Experience Requirements:
- Bachelor’s degree from a four-year college or university in a related field, with 3-5 years of relevant experience in financial transactional analysis, AML investigations, and Suspicious Activity Reporting. Brokerage industry experience (1–2 years) is highly preferred.
Licenses/Certifications
- CAMS certification is required within 12 months of the hire date.
Education
Work Experience
Certifications
Travel
Less than 25%Workstyle
HybridThe total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.
We expect our associates at all levels to:
- Grow professionally and inspire others to do the same
- Work with and through others to achieve desired outcomes
- Make prompt, pragmatic choices and act with the client in mind
- Take ownership and hold themselves and others accountable for delivering results that matter
- Contribute to the continuous evolution of the firm
At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.
#LI-AF1Job Description Summary
The AML/FCM Senior Analyst is responsible for conducting end-to-end investigations to monitor transactional activity and ensure adherence to regulatory expectations across one or more lines of business, leveraging specialized knowledge of securities and/or banking products developed through experience, training, and/or certification.In addition, this role involves leading projects of moderate scope and complexity, resolving or recommending solutions to complex issues, and collaborating with internal stakeholders, Financial Advisors, branch personnel, and external partners to identify, research, and resolve potential concerns.
Job Description
Key Responsibilities
- Conduct routine to complex investigations of potentially suspicious activity identified through transaction monitoring surveillance, branch escalations, regulatory inquiries, or referrals from Compliance, Legal, Risk, or other business units.
- Analyze client background information, securities transactions, and fund movements to identify potential money laundering, terrorist financing, or other financial crimes.
- Utilize internal systems and external research tools, including negative news screening, to analyze activity and determine whether escalation is warranted.
- Submit 314(b) requests and Requests for Information (RFIs) to branches, as needed.
- Prepare detailed, accurate, and timely Suspicious Activity Reports (SARs) for submission to regulators and/or law enforcement when suspicious activity is identified.
- Perform continuing activity reviews and identify/report any ongoing suspicious activity.
- Communicate the findings and outcomes of complex investigations to senior leadership (AML Officers) through clear, well-written narratives, including risk analysis and supporting evidence, to support risk-based retention or termination decisions; ensure follow-through on account closures for terminated relationships.
- Administer AML policies and procedures in alignment with regulatory requirements, including the USA PATRIOT Act.
- Monitor regulatory developments and industry trends and support their integration into the firm’s AML program.
- Train and mentor team members on AML policies, procedures, and regulatory requirements.
- Deliver presentations during team and departmental meetings. Perform other duties as assigned.
Required Skills
- Strong SAR narrative writing skills, including clear and well-supported analysis of suspicious activity.
- Strong knowledge of bank and brokerage products and practices, including account types and transactional behavior.
- Knowledge of financial crime typologies, including securities fraud and market manipulation.
- Understanding of emerging financial risks and products (e.g., cryptocurrency, sanctions, informal value transfer systems).
- Ability to identify patterns, trends, and anomalies in transactional data.
- Strong organizational and time management skills, with the ability to manage multiple priorities and meet deadlines.
- Excellent written and verbal communication skills.
- Ability to work independently and collaboratively in a fast-paced environment.
- High level of professionalism, confidentiality, and customer service. Commitment to staying current with AML regulations, emerging risks, and industry best practices.
Education/Previous Experience Requirements:
- Bachelor’s degree from a four-year college or university in a related field, with 3-5 years of relevant experience in financial transactional analysis, AML investigations, and Suspicious Activity Reporting. Brokerage industry experience (1–2 years) is highly preferred.
Licenses/Certifications
- CAMS certification is required within 12 months of the hire date.
Education
Work Experience
Certifications
Travel
Less than 25%Workstyle
HybridThe total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.
We expect our associates at all levels to:
- Grow professionally and inspire others to do the same
- Work with and through others to achieve desired outcomes
- Make prompt, pragmatic choices and act with the client in mind
- Take ownership and hold themselves and others accountable for delivering results that matter
- Contribute to the continuous evolution of the firm
At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.
#LI-AF1Transaction Monitoring Analyst Jobs by Experience Level
See All 8 Transaction Monitoring Analyst Jobs
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Find JobsTransaction Monitoring Analyst Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in transaction monitoring analyst jobs.
- Experience reviewing and dispositioning alerts in a transaction monitoring system
- Knowledge of Bank Secrecy Act, AML regulations, and SAR filing requirements
- Familiarity with case management platforms such as NICE Actimize or Fiserv AML
- Bachelor's degree in finance, criminal justice, business, or a related field
- CAMS certification or active progress toward obtaining it
- Ability to write clear, defensible SAR narratives supported by documented evidence
Tips for Your Transaction Monitoring Analyst Job Search
Tailor your resume to AML terminology
Hiring managers scan for specific language like SAR filing, KYC, OFAC screening, and transaction threshold alerts. Replace generic compliance phrases with the exact terms that appear in the job description you're targeting, so your resume clears automated screening.
Highlight the typologies you've analyzed
Employers want to know which fraud or money laundering patterns you can recognize, such as structuring, layering, or account takeover. Name the typologies you've worked with directly in your resume's experience bullets, not just the tools you used.
Filter openings by regulatory environment
A transaction monitoring analyst role at a money services business operates under different rules than one at a federally chartered bank. Prioritize openings where the regulatory framework matches your background, since examiners' expectations and alert logic differ significantly across institution types.
Apply early to roles that fit
Migrate Mate lists transaction monitoring analyst openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare a case study for the interview
Most final-round interviews for this role include a scenario where you walk through how you'd disposition an alert. Practice narrating a real or realistic investigation, covering the red flags you identified, the data you pulled, and the conclusion you reached.
Negotiate around shift and on-call expectations
Transaction monitoring teams at large institutions often run around the clock, so your offer may include rotating shifts or weekend coverage. Clarify the schedule during the offer stage, not after you've accepted, and factor that into your total compensation evaluation.
Transaction Monitoring Analyst Jobs: Frequently Asked Questions
Which companies are hiring the most transaction monitoring analysts?
MUFG, Guidehouse, and Alloy are hiring the most transaction monitoring analysts right now, with openings concentrated in Texas, New York, and Massachusetts, based on current listings on Migrate Mate as of November 2026. Demand is especially high at large regional banks and fintech companies scaling their compliance operations.
How many transaction monitoring analyst jobs are remote?
About 100% of transaction monitoring analyst openings are fully remote or hybrid as of November 2026, with availability varying by institution type. Roles focused on alert review and SAR drafting tend to be more remote-friendly, while positions that require collaboration with examiners or access to on-premise data systems are more likely to require in-office presence.
How do you become a transaction monitoring analyst?
Start with a bachelor's degree in finance, business, criminal justice, or accounting, then build foundational knowledge of AML regulations and the Bank Secrecy Act. Entry-level roles in fraud operations or compliance support are common stepping stones. Earning the CAMS certification signals readiness for dedicated transaction monitoring work and strengthens your candidacy for analyst-level positions.
Can you get a transaction monitoring analyst job with little experience?
Yes, many employers hire candidates with limited direct experience if you can demonstrate familiarity with AML concepts and investigative thinking. Customer service or fraud operations roles at banks provide transferable skills. Completing a CAMS exam prep course, even before you hold the certification, signals commitment and helps you compete against candidates who have more years on paper.
What does the transaction monitoring analyst interview process look like?
The process typically starts with a recruiter screen focused on your compliance background, followed by a hiring manager interview covering your experience with alert systems and SAR filing. Final rounds often include a case study or scenario exercise where you walk through how you'd investigate and disposition a suspicious activity alert, including what data you'd review and how you'd document your conclusion.
Where can I find and apply to transaction monitoring analyst jobs?
You can find and apply to transaction monitoring analyst jobs on Migrate Mate, which lists current openings from across the United States. Search for roles that match your experience level and specialization, then apply directly to each listing that fits your background and preferences.
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