Senior Fraud Analyst – Fraud Investigations & Financial Crimes Monitoring

Your Role:

Join Alpaca Securities’ dynamic and fully remote Compliance team dedicated to safeguarding the integrity of the financial markets. In this role, you will play a critical part in supporting the firm’s BSA/AML, Anti-Fraud, and Securities Fraud Monitoring programs.  You will lead and support investigations, ensure adherence to regulatory requirements, and help build a scalable and risk-based compliance infrastructure that meets evolving business and regulatory demands.  This position reports directly to the AMLCO (Anti-Money Laundering Compliance Officer).

Things You Get To Do:

Collaborate with the AMLCO to implement and refine investigative procedures across CIP/KYC, AML, Anti-Fraud, and Securities Fraud Monitoring initiatives

Conduct in-depth investigations into potentially suspicious activity, including securities fraud, account manipulation, and other financial crimes identified through transaction monitoring alerts, escalations, and referrals

Prepare, document, and file Suspicious Activity Reports (SARs) in compliance with

FinCEN requirements and internal policies

Review and respond to sanctions screening alerts, FinCEN 314(a) and 314(b) requests, and other regulatory inquiries

Maintain and continuously update firm-wide risk assessments covering BSA/AML, sanctions, fraud, and securities surveillance programs

Partner with internal stakeholders and assist during external audits, examinations, and regulatory engagements

Provide guidance and support across various business units, including trading, operations, and customer support, to ensure alignment with compliance protocols

Stay abreast of regulatory developments and industry best practices, particularly those related to the Bank Secrecy Act, the USA PATRIOT Act, OFAC regulations, and SEC/FINRA rules

Support the development and refinement of policies, procedures, monitoring controls, and compliance reporting mechanisms

Lead and contribute to special projects, compile investigative findings, and prepare reports for management, regulators, and auditors

Who You Are (Must-Haves):

5+ years of experience in financial crime investigations (AML, fraud, securities fraud, or related disciplines)

Strong understanding of U.S. regulatory requirements (e.g., BSA/AML, USA PATRIOT Act, SEC/FINRA regulations)

Demonstrated ability to identify and escalate potential market manipulation or suspicious trading activity

Proficiency in transaction monitoring systems and case management tools.

Strong analytical, documentation, and SAR-writing skills

Effective communication and problem-solving abilities

Experience with Google Sheets or MS Excel, including pivot tables and advanced filtering

Working knowledge of domestic and international payment systems