Lead Analyst, Transaction Monitoring

About the role

GoFundMe is the world's most powerful community for good, dedicated to helping people help each other. As part of the Trust & Safety organization, our Transaction Monitoring team helps protect millions of donors, organizers, and beneficiaries by identifying suspicious activity, preventing financial crime, and ensuring compliance with global AML/CTF regulations.

Responsibilities

• Investigate complex money laundering, terrorist financing, and other financial crime typologies by analyzing customer behavior, transaction activity, payment instruments, devices, and account relationships.
• Analyze transactions using internal systems, payment processor tools, and analytical platforms to detect financial crime indicators.
• Analyze large and complex datasets to identify emerging financial crime trends, coordinated activity, and opportunities to improve transaction monitoring controls.
• Lead investigations into complex donations, fundraisers, organizers, beneficiaries, and donors to identify suspicious, unusual, or potentially high-risk activity.
• Assess whether suspicious activity should be escalated internally in accordance with GoFundMe's AML/CTF procedures, or whether it can be reasonably explained and mitigated.
• Review investigations completed by Transaction Monitoring Analysts to ensure they meet quality, documentation, and regulatory standards.
• Provide coaching, mentorship, and day-to-day guidance to Transaction Monitoring Analysts, supporting their technical development and investigation quality.
• Deliver constructive feedback on investigations and identify knowledge gaps or training opportunities across the team.
• Drive the development and continuous improvement of transaction monitoring rules, operational procedures, typologies, documentation standards, and quality frameworks.
• Prepare clear, factual, and comprehensive investigation documentation suitable for internal review, audit, and regulatory reporting.
• Collaborate with internal stakeholders to investigate and mitigate financial crime risks.
• Stay informed on emerging financial crime trends, regulatory developments, and industry best practices to support GoFundMe's global compliance program.
• Assist with audits, regulatory reviews, internal reporting, and strategic initiatives relating to transaction monitoring and financial crime prevention.
• Lead or co-lead cross-functional initiatives in partnership with Product, Legal, Compliance, or Trust & Safety teams.
• Serve as a trusted liaison for cross-functional stakeholders, adapting communication style to influence and advise on complex matters.

Requirements

• 6+ years of experience in financial crime investigations, transaction monitoring, or payments risk.
• Bachelor's degree or equivalent experience preferred.
• Strong proficiency in data analysis tools (e.g. Looker, SQL, Excel) and transaction monitoring systems.
• Strong understanding of AML and ATF legislation and regulatory expectations.
• Experience conducting complex investigations involving money laundering, terrorist financing, fraud, or organized financial crime.
• Experience reviewing investigations, providing quality assurance, coaching teammates, or acting as a subject matter expert.
• Strong analytical and critical thinking skills with the ability to identify complex behavioral patterns across multiple data sources.
• Excellent written and verbal communication skills, with the ability to present findings clearly to both technical and non-technical audiences.
• Strong ethical standards and discretion when handling sensitive information.
• Uncommon ability to anticipate, adapt, and respond to sensitive and evolving situations while balancing numerous, often competing, priorities.
• Familiarity with machine learning or AI-driven tools for fraud detection and their attendant regulations.
• Strong alignment with GoFundMe's core values: impatient to be great, find a way, earn trust every day, fueled by purpose.

Preferred qualifications

• Professional certifications such as CAMS (Certified Anti-Money Laundering Specialist) or equivalent.
• Experience working with Transaction Monitoring, Regulatory Reporting, Suspicious Transaction Reports (STRs), or Financial Intelligence Units.
• Fluency with another EU language.

Pay

The total annual salary for this full-time position is $100,000 - $150,000 + equity + benefits. As this is a remote position, the salary range was determined by role, level, and possible location across the US. Individual pay is determined by work location and additional factors including job-related skills, experience, and relevant education or training.

Schedule

Some weekend and holiday work may be required as part of scheduled shifts, as well as being a member of our on-call team for emergencies.

Benefits

• Competitive pay and comprehensive healthcare benefits.
• Financial assistance for things like hybrid work, family planning, along with generous parental leave, flexible time-off policies, and mental health and wellness resources to support your overall well-being.
• Learning, development, and recognition programs to help you thrive and grow.
• Contribute to diversity, equity, and inclusion through ongoing initiatives and employee resource groups.
• Make a difference through our volunteering and Gives Back programs.

This response is AI-generated, for reference only.