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Job Description
The FIU Investigations Analyst operates within the Financial Intelligence Unit (FIU) at Visa Payments Limited (VPL) and provides direct investigative and analytical support to the Senior Manager, Head of FIU, who is also the Nominated Officer (NO) for VPL.
The role supports the effective operation of VPL’s suspicious activity reporting (SAR) regime, including internal SAR intake, investigation, documentation, and escalation, as well as support for law enforcement enquiries and partner requests that present financial crime risk indicators.
The Investigations Analyst does not hold statutory NO or MLRO accountability, but plays a critical role in reviewing, investigating, reporting of suspicious activity, in line with regulatory & legal obligations.
The role sits within VPL Compliance and contributes to the wider financial crime control framework across AML, counter‑terrorist financing, sanctions, fraud‑related intelligence, and bribery and corruption risk.
What we expect of you, day to day:
FIU investigations & case support:
- Conduct investigations into internal suspicious activity reports, transaction monitoring escalations, sanctions alerts, partner RFIs, fraud notifications, and other intelligence sources, in line with FIU procedures.
- Gather, analyse and document relevant information to support FIU case assessments, including payment flows, client activity, typologies, and open‑source intelligence where appropriate.
- Prepare clear, structured investigation summaries and recommendations for review by the Head of FIU / Nominated Officer.
- Maintain accurate and complete case records, ensuring audit‑ready documentation and appropriate confidentiality controls at all times.
SAR regime support:
- Support the Head of FIU in the end‑to‑end operation of the SAR regime, including internal SAR intake, investigation, decision support, and record keeping.
- Assist in the preparation of external SARs and related documentation, under the direction and decision‑making authority of the Head of FIU / Nominated Officer.
- Ensure adherence to anti‑tipping off requirements and strict need‑to‑know principles.
Law enforcement & external requests:
- Support the FIU’s handling of law enforcement requests and regulatory or partner enquiries, including information collation, validation support, and record management.
- Assist in maintaining logs and registers relating to law enforcement engagement and FIU case outcomes.
Governance, oversight & management information (MI):
- Contribute to the production of FIU MI, including case volumes, ageing, outcomes, and typology trends.
- Support quality checking activities within the FIU, including peer reviews, issue identification, and continuous improvement initiatives.
- Assist with the maintenance of FIU registers, taxonomies, and case categorisation frameworks.
Control effectiveness, quality, and continuous improvement:
- Support the ongoing maintenance of FIU policies, procedures, and playbooks, ensuring alignment with regulatory expectations and internal frameworks.
- Identify potential process improvements, data gaps, or operational risks and escalate appropriately to the Head of FIU.
- Develop a strong understanding of VPL’s operating model, products, payment flows, and partner ecosystem to support effective investigations.
Financial crime risk coverage:
- Anti‑Money Laundering (AML)
- Counter‑Terrorist Financing (CTF) and Sanctions
- Fraud‑related intelligence (investigative support only)
This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.
Qualifications
Education:
- Relevant degree or equivalent professional qualification.
- AML / Financial Crime qualification (e.g., ICA) preferred.
Experience:
- Experience in financial crime investigations, FIU filing, transaction monitoring, compliance operations, or a related control function within payments, banking, fintech, or regulated financial services.
- Working knowledge of AML / CTF regulatory frameworks and suspicious activity reporting concepts.
- Experience handling investigative casework, including evidence gathering, analysis, and documentation.
- Familiarity with payments processes, transaction flows, and control environments.
- Experience supporting audits, compliance monitoring, or regulatory reviews.
Desirable:
- Exposure to FIU operations or SAR‑related activity.
- Experience interacting with law enforcement or handling formal information requests.
- Understanding of risk‑based decision‑making and control frameworks.
- Experience using case management or transaction monitoring systems.
Personal attributes:
- Strong analytical skills with attention to detail and documentation discipline.
- Sound judgement and ability to escalate concerns appropriately.
- Comfortable handling sensitive and confidential information.
- Clear communicator with the ability to summarise complex activity concisely.
- Resilient, organised, and able to manage competing priorities in a high‑throughput environment.
- Collaborative team player with a strong compliance mindset.
Visa is an EEO Employer
Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.