## L2 Level Transaction Monitoring (Smurfing, Layering, SAR/STR) ### Role Overview We are seeking an experienced L2 Transaction Monitoring Analyst to join our Anti-Money Laundering (AML) compliance team. In this role, you will be responsible for conducting in-depth investigations into complex financial transactions, identifying suspicious patterns such as smurfing and layering, and preparing Suspicious Activity Reports (SARs) and Suspicious Transaction Reports (STRs) in accordance with regulatory requirements. This is a critical role that supports financial crime prevention efforts and ensures adherence to applicable AML/CFT frameworks. ### Key Responsibilities - Perform Level 2 reviews and investigations of transaction monitoring alerts escalated from L1 analysts, applying advanced analytical judgment.

- Identify and investigate suspicious transaction patterns including smurfing, layering, structuring, and other money laundering typologies.
- Draft, review, and file Suspicious Activity Reports (SARs) and Suspicious Transaction Reports (STRs) with the relevant regulatory authorities.
- Conduct thorough due diligence and enhanced due diligence (EDD) on customers and counterparties flagged during investigations.
- Utilize internal transaction monitoring systems and external databases to gather evidence and support case decisions.
- Document investigation findings comprehensively, maintaining clear audit trails in case management systems.
- Collaborate with compliance, legal, and risk teams to resolve complex cases and escalate matters requiring senior review.
- Stay updated on evolving AML/CFT regulations, typologies,



and industry best practices.
- Mentor and provide guidance to L1 analysts when required.
- Contribute to the continuous improvement of transaction monitoring rules and thresholds. ### Requirements / Qualifications - Bachelor's degree in Finance, Commerce, Law, or a related field; advanced degree or qualified certification (CAMS, CFE, ICA) preferred.
- Relevant experience in AML transaction monitoring, financial crime compliance, or a related analytical role.
- Strong working knowledge of AML/CFT regulations, FATF guidelines, and reporting obligations (SAR/STR).
- Hands-on experience with transaction monitoring typologies including smurfing, layering, placement, and integration.
- Proficiency in using transaction monitoring platforms and case management tools.
- Excellent analytical and investigative skills with strong attention to detail.
- Effective written and verbal communication skills for producing clear, concise investigation reports.
- Ability to manage multiple cases simultaneously while meeting deadlines.
- Experience working in banking, financial services, or fintech compliance environments is preferred.
- Familiarity with KYC/CDD/EDD processes and relevant regulatory frameworks. ### About the Company Futuresoft India is a technology and professional services company specializing in delivering compliance, financial crime risk management, and IT solutions to clients across the banking and financial services sector. The company focuses on providing skilled talent and technology-driven services to help organizations meet their regulatory and operational objectives. .

📌 Level Transaction Monitoring (Smurfing, Layering, SAR/STR) (India)
🏢 FutureSoft INDIA
📍 India