TM Analyst – End-to-End Investigations; AML

Job Description: TM Analyst – End-to-End Investigations (AML)

Capitex, a prestigious and rapidly evolving financial institution in Sharjah, is looking for a meticulous Transaction Monitoring (TM) Analyst specializing in End-to-End Investigations. This role is a critical frontline defense against financial crime, specifically tasked with high-volume alert remediation and deep-dive forensic analysis within the UAE’s strict regulatory framework.

As the UAE approaches its FATF Mutual Evaluation in June 2026, the pressure on financial institutions to demonstrate effective—not just functional—AML controls is at an all-time high. In this role, you won’t just be “clearing alerts”; you will be an investigator responsible for reconstructing the narrative of suspicious financial flows. You will handle the entire lifecycle of an alert, from the initial system trigger through to the final determination and, where necessary, the drafting of high-quality Suspicious Transaction Reports (STRs) for the Central Bank.

Key Responsibilities

• Backlog Remediation: Efficiently investigate and resolve a high volume of backlogged TM alerts while maintaining the clinical documentation standards required for regulatory audits.

• Forensic Investigation: Conduct end-to-end reviews of flagged transactions, analyzing customer profiles (KYC/CDD), historical behavior, and external data to identify “red flags” such as smurfing, layering, or structuring.

• Evidence-Based Documentation: Draft comprehensive case narratives that provide a clear “clearance” or “escalation” rationale, ensuring every decision is defensible under the “Should Have Known” liability standard of 2026.

• Regulatory Reporting: Identify potential money laundering or terrorist financing (ML/FT) activities and assist the MLRO in filing timely, high-quality STRs via the goAML portal.

• Risk-Based Triage: Apply a risk-based approach to prioritize alerts involving high-risk jurisdictions, PEPs, or industries sensitive to proliferation financing (PF).

• Cross-Functional Liaison: Collaborate with Relationship Managers to obtain necessary “Requests for Information” (RFIs) to validate the economic purpose of unusual transactions.

The End-to-End AML Investigation Workflow

In this role, you will navigate the following lifecycle for every flagged event:

1. Alert Generation: Automated system (e.g., Siron, Actimize) flags a deviation from the customer’s “normal” baseline.

2. Triage: Quick assessment to filter out “false positives” (e.g., a one-time large bonus deposit for a known salaried employee).

3. Analysis & Enrichment: Deep dive into the transaction’s Source of Funds (SoF) and Source of Wealth (SoW).

4. Final Adjudication: Conclusion based on the “Balance of Probability.”

Job Data Summary