Manager/Senior Manager, AML & Fraud Risk Investigation

Job Responsibilities

• Act as Deputy MLRO and lead the Financial Crime Compliance (FCC) investigation function.

• Lead, coach, and develop a team of FCC investigators; allocate caseloads, conduct quality assurance reviews, provide timely feedback, and drive consistent investigation standards.

• Review and investigate alert-triggered cases from AML transaction monitoring, sanctions screening, fraud-monitoring, and other financial-crime detection systems.

• Conduct end-to-end AML, fraud, and card-fraud investigations, including suspected account takeover, stolen-card use, card-not-present fraud, merchant fraud, identity fraud, mule-account activity, and other payment-related fraud typologies.

• Communicate and liaise effectively with the Joint Financial Intelligence Unit (JFIU), Anti-Deception Coordination Centre (ADCC), Hong Kong Monetary Authority (HKMA), law-enforcement agencies, and internal stakeholders on investigation, reporting, information requests, and fraud-related matters.

• Develop, implement, review, and enhance AML/CFT, fraud-risk-management, card-fraud prevention, and investigation policies, procedures, controls, and escalation frameworks.

• Deliver practical training and awareness sessions on FCC, AML/CFT, transaction monitoring, fraud risk, card fraud, red flags, investigation standards, and regulatory-reporting obligations.

• Lead or support FCC and fraud-risk-management projects, including system implementation or enhancement, control reviews, thematic investigations, regulatory remediation, and process automation.

• Demonstrate sound judgement, fast and flexible thinking, and an ability to make risk-based decisions in a dynamic and time-sensitive environment.

• Handle ad-hoc tasks or projects as assigned by the Head of Financial Crime Compliance or Chief Compliance Officer.

Job Requirements

• University degree in Law, Accountancy, Finance, Risk Management, Business Administration, or a related discipline preferred.

• Holder of CAMLP, AAMLP, CAMS, or equivalent AML/FCC qualifications; CFE, fraud-risk-management, or payment/card-fraud-related certification is an advantage. CFE credentials are particularly relevant where the role includes fraud prevention, detection, and investigation responsibilities.

• At least 5 years of relevant experience for the Manager level in AML transaction monitoring, financial-crime investigations, fraud investigations, and/or suspicious-transaction reporting within retail, commercial, corporate, digital, or payment-related banking environments.

• Strong hands-on experience in investigating fraud cases, preferably including card fraud, card-not-present fraud, account takeover, identity fraud, payment fraud, scams, mule accounts, and related typologies.

• Demonstrated experience leading, supervising, mentoring, or coaching an investigation, AML, fraud, risk, or operations team.

• Solid knowledge of AML/CFT requirements, transaction-monitoring methodologies, suspicious-activity investigation, STR reporting, fraud typologies, and relevant Hong Kong regulatory expectations.

• Strong analytical, investigative, critical-thinking, and problem-solving skills, with the ability to identify connections across complex transactions and make balanced, risk-based decisions. Analytical and critical thinking are central to fraud investigation and prevention work.

• Excellent written and verbal communication, stakeholder-management, presentation, and report-writing skills, with the ability to explain complex FCC and fraud issues clearly to senior management, regulators, law enforcement, and non-specialist stakeholders.

• Able to think quickly, flexibly, and creatively in response to evolving fraud patterns, urgent escalations, and changing regulatory or business requirements.

• Proficiency in written and spoken English and Chinese; fluency in Putonghua is preferre