Roles and Responsibilities

- Review and analyze high-complexity customer transactions to evaluate potential AML, sanction, and fraud risks, ensuring adherence to internal policies, regulatory compliance standards, and risk thresholds.

- Perform real-time payment screening and post-transaction monitoring to decide whether transactions should be approved, rejected, or escalated.

- Detect, investigate, and mitigate complex AML typologies, including Fast In Fast Out (FIFO), Money Mule networks, layering, structuring, and third-party payment risks.

- Conduct advanced investigations utilizing internal data platforms and Open-Source Intelligence (OSINT) to analyze counterparty relationships, payment frequency, velocity, and behavioral anomalies.

Case Decisioning &

- Regulatory Compliance

- Differentiate clearly between first-party fraud, third-party payment risks, and legitimate customer behavior using advanced analytical framework and risk judgment.

- Maintain comprehensive, audit-ready case documentation detailing investigation rationale, key evidence, and recommended mitigation actions.

- Ensure strict adherence to global Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and Sanctions regulations.

Operational Leadership &

- Process Optimization

- Serve as a senior point of contact for complex case escalations from frontline screening and monitoring analysts.

- Mentor and provide operational guidance to junior team members, helping elevate overall investigative quality and consistency.

- Partner with FraudOps leads, compliance, and product teams to identify gaps in existing screening rules,



suggest threshold updates, and optimize transaction monitoring scenarios.

- Monitor emerging financial crime trends, sanctions developments, and AML typologies to enhance detection strategies.

Required Qualifications &

- Competencies

Experience &

- Education

- 3+ years of experience in AML transaction monitoring, payment screening, sanctions clearance, or financial crime investigations within financial services, fintech, or payment processing industries.

- Bachelors degree in Finance, Criminology, Business, Law, or a related field (or equivalent professional experience). ACAMS or CFE certification is highly desirable.

Technical &

- Analytical Skills

- Deep working knowledge of AML principles, sanctions screening frameworks, and financial crime indicators.

- Specialized expertise in recognizing typologies such as Fast In Fast Out (FIFO), Money Mule activity, synthetic identity, and complex layering patterns.

- Proven proficiency with transaction monitoring software, sanctions screening tools, and OSINT investigative methodologies.

- Advanced data analysis skills to dissect payment data, counterparty connections, and customer transaction histories.

Soft Skills &

- Leadership

- Outstanding critical thinking, attention to detail, and objective decision-making skills under tight operational deadlines.

- Excellent written and verbal communication skills with a proven track record of writing explicit, audit-ready investigative case reports.

- Strong collaboration skills with the ability to work effectively across FraudOps, Compliance, and Operations teams.

📌 Senior Operations Associate (Gurugram)
🏢 WNS Holdings
📍 Gurugram