Wise
Finance / FinServ
FincrimeOperationsInvestigator-Fraud
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“Fincrime Operations Investigator - Fraud at Wise. Skills: FinCrime Operations Investigation, Fraud Investigation, AML, CTF. Conduct in-depth investigations of potentially suspicious activity, utilizing both internal and external data sources. Analyze complex financial transactions and customer behavior to identify patterns indicative of money laundering, fraud, or other financial crimes”
What You'll Achieve.
consistently achieve individual and team targets (KPIs, SLAs, QA); demonstrating a commitment to both quality and speed; meeting deadlines reliably; optimizing processing times; taking full ownership and accountability for all responsibilities to deliver exceptional results
Industry & Context.
Exceptional analytical and problem-solving skills; Ability to work independently and make decisions within well-defined procedures; Ability to work autonomously within established procedures and practices; Ability to work autonomously, proactively identifying and addressing tasks independently by applying learned procedures and best practices; taking initiative and effectively resolving issues within established frameworks
Willingness to work flexible hours, including shifts, weekends, and public holidays as needed
What They're Looking For.
Must Have
verbal and written communication skills in English, with the ability to produce clear, concise, accurate, and professional reports, summaries, and customer communications, 2+ years of experience in operations, compliance, or a related field, preferably with exposure to financial crime or AML processes, Proven ability to conduct thorough and objective investigations, analyze complex data, and draw logical conclusions, Exceptional analytical and problem-solving skills, with a keen attention to detail, Excellent documentation skills, with the ability to present complex information clearly, concisely, and accurately for both internal and external use, ensuring all decisions are thoroughly supported, Ability to work independently and make decisions within well-defined procedures, organizational skills with the ability to multitask, prioritize effectively, and manage time efficiently in challenging situations, Willingness to work flexible hours, including shifts, weekends, and public holidays as needed, Proactive attitude with a willingness to learn and develop in the financial crime domain, Ability to work autonomously within established procedures and practices, Ability to work autonomously, proactively identifying and addressing tasks independently by applying learned procedures and best practices, taking initiative and effectively resolving issues within established frameworks
Nice to Have
Bachelor’s degree in Finance, Business Administration, Law, Criminal Justice, or a related field, Experience in financial services, compliance, or a related field, with a focus on FinCrime investigations, Relevant certifications such as CAMS, CFCS, ICA, or equivalent, Experience working in a global financial institution or fintech company, Knowledge of SQL or other data analysis tools, Additional languages are a plus
What You'll Do.
Conduct in-depth investigations of potentially suspicious activity
utilizing both internal and external data sources
Analyze complex financial transactions and customer behavior to identify patterns indicative of money laundering
or other financial crimes
Evaluate and assess alerts generated by transaction monitoring systems and other detection tools
Gather and analyze supporting documentation
including KYC information
and other relevant data
Review and interpret data to identify patterns and potential risks associated with financial crime
Prepare detailed and comprehensive investigation reports
documenting findings and recommendations
Act as a point of escalation for complex FinCrime cases from other operations teams
providing guidance and expertise
Mentor and train other team members on FinCrime investigation techniques and best practices
Stay up-to-date on emerging FinCrime trends
and regulatory changes
Liaise with financial institutions and law enforcement agencies as needed
Participate in ad-hoc projects and initiatives related to FinCrime prevention and detection
Maintain accurate and complete records of all investigations and related activities
Provide input on process improvements and backlog exercises
Complete all company-assigned mandatory
refresher or ad hoc trainings on time and with diligence
and empathetically with customers via approved channels to obtain necessary details or clarifications for reviews
always upholding our high customer experience standards
Take a proactive approach to consistently achieve individual and team targets (KPIs
demonstrating a commitment to both quality and speed
Perform additional tasks as assigned by your lead
demonstrating adaptability and a proactive approach
How You'll Work.
Team & Collaboration
Collaborate with product and engineering teams to improve fraud detection rules, processes, and system enhancements; Communicate effectively with internal stakeholders, including compliance, legal, and customer support teams; actively participating in meetings, training, and internal events to support broader team and company objectives
Communication Scope
verbal and written communication skills in English; produce clear, concise, accurate, and professional reports; produce clear, concise, accurate, and professional summaries; produce clear, concise, accurate, and professional customer communications; Communicate clearly, professionally, and empathetically with customers; precisely tailored communication
Full Job Description
Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere. More about [our mission](https://wise.jobs/our-mission) and [what we offer](https://wise.jobs/what-we-offer). Role & Job purpose As a FinCrime Operations Investigator, you will play a critical role in safeguarding Wise and its customers from financial crime. You will be responsible for investigating and analyzing customer accounts, transactions and activities on our platform to detect and prevent money laundering, fraud, and other illicit activities. You will leverage your expertise to identify suspicious patterns, conduct thorough investigations, and ensure compliance with AML/CTF regulations and internal policies and procedures, all while adhering to Wise’s risk appetite. This role offers a unique opportunity to deepen your expertise in the FinCrime domain, contribute to a rapidly growing global company, and make a tangible impact on protecting our users and the integrity of our platform. Job Responsibilities * Conduct in-depth investigations of potentially suspicious activity, utilizing both internal and external data sources. * Analyze complex financial transactions and customer behavior to identify patterns indicative of money laundering, fraud, or other financial crimes. * Evaluate and assess alerts generated by transaction monitoring systems and other detection tools. * Gather and analyze supporting documentation, including KYC information, transaction records, and other relevant data. * Review and interpret data to identify patterns and potential risks associated with financial crime. Support the team in making
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