AML Transactional Monitoring Analyst

Kind Consultancy is working with a Cryptocurrency Exchange which is seeking multiple AML Transaction Monitoring Investigators for a contract opportunity based in their Lisbon, Portugal office.

The Crypto AML Transaction Monitoring Investigators will conduct end-to-end reviews of alerts and cases generated from customer and transaction monitoring systems, analysing on-chain and off-chain activity, customer profile information, account behaviour, and external intelligence to determine whether activity is reasonably explained, requires escalation, or supports a Suspicious Activity Report (SAR).

Key responsibilities
will include : Reviewing AML transaction monitoring alerts involving cryptocurrency deposits, withdrawals, transfers, fiat funding activity, and customer account behaviour.

Conducting end-to-end investigations using KYC/CDD/EDD information, transaction histories, device and account data, internal records, open-source intelligence, and other available evidence. Analysing blockchain activity to trace the source, destination, and flow of funds across wallets, services, and counterparties; reconciling on-chain activity to the exchange customer account and relevant off-chain records.

Identifying and assessing digital-asset money laundering and financial crime typologies, including rapid movement of funds, structuring, layering, chain hopping, exposure to mixers or obfuscation services, high-risk exchanges, scams, fraud, ransomware, darknet markets, mule activity, sanctions exposure, and unusual cross-border activity.

Using blockchain analytics and wallet-screening tools to evaluate direct and indirect exposure, counterparty risk, transaction paths, and attribution information; clearly document tool outputs and investigative conclusions. Evaluating customer activity against the stated business purpose, expected activity, source of funds, source of wealth, occupation or industry, geography, and historical transaction patterns.

Determining whether alerts should be closed, escalated for enhanced review, referred to sanctions or fraud teams, or recommended for SAR filing in accordance with client procedures. Drafting concise, fact-based, audit-ready case narratives and SAR narratives that explain the customer, relevant activity, investigative steps, risk indicators, and basis for the final disposition.

Preparing and documenting requests for information, including 314(b) requests or other permitted outreach, when additional information is needed to support an investigation. For the Crypto AML Transaction Monitoring Investigation opportunity we're looking for candidates who: Have 2+ years of experience conducting AML transaction monitoring investigations, suspicious activity investigations, for a financial institution, fintech, payment company, or cryptocurrency exchange.

Have demonstrable experience of reviewing complex transaction activity and producing clear, defensible case decisions and SAR narratives. Possesses strong knowledge of the Bank Secrecy Act, USA PATRIOT Act, FinCEN guidance, OFAC requirements, and risk-based AML, CDD, EDD, sanctions, and SAR obligations relevant to digital-asset businesses. Have 1+ year of hands-on experience investigating activity for a cryptocurrency exchange, digital-asset platform, wallet provider, fintech, or other virtual asset service provider.

Have a practical understanding of cryptocurrency transactions, wallets, addresses, transaction hashes, centralized exchanges, decentralized exchanges, stablecoins, bridges, smart contracts, and common digital-asset transaction flows. Have experience conducting blockchain tracing or wallet-risk analysis using a recognized blockchain analytics or screening platform.

Are able to interpret transaction graphs, assess direct and indirect exposure, distinguish customer-controlled and third-party wallets when evidence permits, and explain findings in clear written language. Have previously used open-source research, adverse media, public blockchain explorers, internal customer records, and external data sources to support investigative conclusions.

Have 1+ years' experience with blockchain analytics platforms such as Chainalysis, TRM Labs, Elliptic or comparable tools. (Chainalysis is preferred.) Have experience investigating account takeovers, fraud proceeds, scams, ransomware, sanctions risk, darknet exposure, and other crypto-enabled financial crime typologies Demonstrate strong analytical reasoning, attention to detail, organization, and the ability to manage multiple cases under established deadlines.

Have strong written and verbal communication skills, including the ability to present complex transaction activity and risk indicators to compliance stakeholders. Are proficient in Microsoft Word, Excel, PowerPoint, OneNote, and Teams. Holding a Bachelor's degree in a relevant discipline and ACAMS, CFCS, CCI, CCAS, or another relevant AML or cryptocurrency investigatio