Role Summary The Level 2 3 Transaction Monitoring Investigator acts as the senior authority for escalated AML CFT investigations The role is responsible for conducting deep forensic analyses of customer transactions risk behaviors and typologies to determine whether activity meets the regulatory threshold for raising a Suspicious Transaction Report STR or Suspicious Activity Report SAR This position ensures governance alignment supports audit readiness leads quality controls and acts as a subject matter expert for junior levels Key Responsibilities Lead escalated AML CFT investigations and make final disposition decisions Draft review and approve STR SAR narratives ensuring regulatory quality standards Conduct detailed end to end customer behavioral and transactional analysis across products channels and geographies Perform typology-driven investigations including layering structuring mule activity TBML sanctions evasion and virtual asset transactions Engage with regulatory bodies during audits walkthroughs or requests for information Enhance investigation frameworks contribute to policy updates and maintain governance documentation Guide and mentor L1 L2 investigators through case reviews and coaching Propose improvements in scenario tuning rule thresholds false positive reduction and analytics based model enhancements Collaborate with Legal Fraud Operations and Risk teams on complex customer risk matters