Senior Associate - AML Transaction Monitoring Analyst

Ready to shape the future of work?  

At Genpact, we don’t just adapt to change—we drive it. AI and digital innovation are redefining industries, and we’re leading the charge. Genpact’s AI Gigafactory, our industry-first accelerator, is an example of how we’re scaling advanced technology solutions to help global enterprises work smarter, grow faster, and transform at scale. From large-scale models to agentic AI, our breakthrough solutions tackle companies’ most complex challenges.  

If you thrive in a fast-moving, tech-driven environment, love solving real-world problems, and want to be part of a team that’s shaping the future, this is your moment.  

Genpact (NYSE: G) is an advanced technology services and solutions company that delivers lasting value for leading enterprises globally. Through our deep business knowledge, operational excellence, and cutting-edge solutions – we help companies across industries get ahead and stay ahead. Powered by curiosity, courage, and innovation, our teams implement data, technology, and AI to create tomorrow, today. Get to know us at genpact.com and on LinkedIn, X, YouTube, and Facebook.  

 Inviting applications for the role of Senior Associate /Business Analyst – Due Diligence  

As a first line of defense, the AML Transaction Monitoring Analyst supports client teams by reviewing retail and business transactions for potential unusual activity within defined SLAs. The analyst ensures full compliance with issuing bank requirements, AML regulations, and internal policies. The role involves identifying unusual or suspicious transaction patterns such as structuring, layering, mule activities, FEC behaviors, high-risk merchant patterns, and other typologies of financial crime. In this role, you will be responsible for performing complex Transaction Monitoring (TM) investigations covering money laundering in Correspondent Banking and PSP products, terrorist financing, and tax evasion. 
 
The analyst must use strong critical-thinking skills to assess alerts, analyze customer behavior, and determine whether activity aligns with expected patterns. The analyst should be comfortable working with multiple systems, case management tools, and open-source intelligence (OSINT) resources to perform thorough investigations. Responsibilities also include documenting findings with clear, concise narratives, collecting evidence for audit review, escalating cases when necessary, and maintaining consistent quality and productivity standards. The role requires adaptability to process updates, regulatory changes, emerging risk trends and making independent decisions.  

Responsibilities 

• Customer identity verification (documents, digital KYC tools, databases)  

• Beneficial Ownership (UBO) identification and mapping ownership structures  

• Enhanced Due Diligence (EDD) for higher-risk entities Sanctions and watchlist checks  

• Risk scoring models for individuals and entities  

• Reviewing ID documents, business licenses, certificates of incorporation  

• Analyzing corporate governance and management credibility  

• PEP (Politically Exposed Person) Screening  

• Perform inherent risk and residual risk scoring  

• Analyze risk factors such as geography, industry, ownership, product use, transaction types  

• Assess combined risk from KYC, PEP, sanctions, financial, and reputational factors  

• Communication with customer follow-ups & knowledge of RFIs 

• Within the procedural framework, use your own judgment based on your knowledge and experience to make risk-based decisions as to what is or is not normal and therefore whether to refer the alert or case for further investigation and reporting to authorities. 

• Document your investigations thoroughly by recording the details of the alert, the data you have considered, the basis of your conclusion, and any evidence you have gathered that supports your conclusion and risk rating 

• Consult and collaborate with colleagues to develop your own investigations and to help others with theirs, adopting and sharing best practices, techniques, and knowledge over time, with a focus on driving continuous improvement in both your own investigations and that of the broader team  

• Strive to learn and help your colleagues to learn continuously, taking and giving feedback constructively, participating actively in team continuous learning and development initiatives and training  

• Basic knowledge of Banking Industry & Regulatory Environment with in-depth knowledge of Regulations E, Z, CFPB, FACTA and FCRA 

Qualifications we seek in you! 

Minimum Qualifications 

• Graduate with previous experience in conducting due diligence, UBO & knowledge of risk scoring models for individuals and entities 

• Expert in reviewing ID documents, business licenses, certificates of incorporation 

• Should be comfortable working with multiple systems, case management tools, and open-source intelligence (OSINT) resources to perform thorough investigations 

• Should be proficient in analyzing the risk factors such as geography, industry, ownership, product use, transaction types 

• Strong analytical and investigative skills with the ability to identify risk from KYC, PEP, sanctions, financial, and reputational factors  

• Ability to make independent decisions on alert outcomes while following procedures.  

• Strong articulation for risk findings with clear, concise narratives, collecting evidence for audit review, escalating cases when necessary, and maintaining consistent quality and productivity standards. 

• Strong attention to detail and an inquisitive mindset to identify risky trends.  

• Proficiency in reviewing customer profiles, transaction behavior, and risk indicators.  

• Ability to prepare clear, concise narratives and investigation summaries.  

• Strong verbal and written communication skills.  

• Ability to adhere to productivity, quality, and SLA requirements. 

Preferred Qualifications/ Skills 

• Exposure to AML & KYC regulations in the US, Canada, & EU is preferred. 

• Screening Tools Experience 

• Knowledge of Zendesk, Salesforce, Lexis Nexis, Actimize, will be a plus 

• Advanced typing skills with high accuracy and speed (45+ WPM) 

• Proficient in the use of MS office tools 

• Detail-oriented with the ability to accurately compose information while multitasking 

• Demonstrate flexibility to work under 24*7 working environment 

• Ability to work independently and in a group setting 

• Professional certification for Correspondent Banking (CAMS, CFE, ICA, or equivalent) preferred 

Why join Genpact?  

• Be a transformation leader – Work at the cutting edge of AI, automation, and digital innovation  

• Make an impact – Drive change for global enterprises and solve business challenges that matter  

• Accelerate your career – Get hands-on experience, mentorship, and continuous learning opportunities  

• Work with the best – Join 140,000+ bold thinkers and problem-solvers who push boundaries every day  

• Thrive in a values-driven culture – Our courage, curiosity, and incisiveness - built on a foundation of integrity and inclusion - allow your ideas to fuel progress  

Come join the tech shapers and growth makers at Genpact and take your career in the only direction that matters: Up.  

Let’s build tomorrow together.  

Genpact is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, religion or belief, sex, age, national origin, citizenship status, marital status, military/veteran status, genetic information, sexual orientation, gender identity, physical or mental disability or any other characteristic protected by applicable laws. Genpact is committed to creating a dynamic work environment that values respect and integrity, customer focus, and innovation.   
Furthermore, please do note that Genpact does not charge fees to process job applications and applicants are not required to pay to participate in our hiring process in any other way. Examples of such scams include purchasing a 'starter kit,' paying to apply, or purchasing equipment or training.