FIU Analyst

Financial Intelligence Unit Analyst

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

MTS OverviewMastercard Transaction Services ("MTS") and its subsidiaries are the legal entities under which all Mastercard licensed money transfer and payment initiation services are conducted, reporting into the Commercial and New Payments Platform ("CNPF") division. The MTS business unit and shared services functions are housed under the umbrella of MTS and are comprised of components central to the activities of a licensed payment services firm. These components include:

• Payment and money transmitter licenses for operating payments businesses in defined jurisdictions
• Contract definitions (associated T&Cs) specific to the MTS entity and its umbrella geographies
• Associated settlement accounts and other services for the relevant MTS entity
• Compliance services, including but not limited to due diligence, real-time sanctions screening, AML, and fraud management
• Regulatory reporting to the relevant regulators on behalf of the regulated business and its subsequent activities

MTS USMTS US is the authorized and regulated licensed entity within Mastercard Transaction Services ("MTS") in the United States, through which regulated payments activity is undertaken for U.S.-based customers and others around the world. MTS is a division within Mastercard that undertakes payments business wherever a product or business function requires regulated support.

Role PurposeMTS is seeking a Financial Intelligence Unit ("FIU") Analyst who will assist in coordinating and maintaining a robust AML/CFT program in alignment with U.S. AML/CFT regulations, including the Bank Secrecy Act, USAPA, AMLA, FinCEN-issued guidance, internal standards, and regional sanctions reporting obligations. In addition, the role will help drive ongoing improvements across the financial crimes compliance program through consistent innovation and problem-solving, with a focus on both effectiveness and efficiency. The ideal candidate is passionate about optimized compliance, understands the end-to-end workings of a FIU, is highly motivated and analytical, and brings an entrepreneurial mindset with a deep understanding of AML/CFT regulatory and operational frameworks.

Role SummaryThe FIU Analyst must be knowledgeable and skilled across relevant AML/CFT and sanctions compliance areas. The role will support the FIU Manager for North America in carrying out AML/CFT investigation activities for MTS US, including developing cases, preparing Suspicious Activity Reports (SARs), performing quality control on FIU outputs, and contributing to the continued development of the FIU function. This role operates within a geographically diverse, matrixed environment and requires close collaboration with multiple stakeholders across MTS and the broader Mastercard organization. Strong written and verbal communication skills are essential, with the ability to clearly and concisely articulate issues, regulations, and processes. As MTS continues to expand, the organization is seeking a seasoned FIU professional to help drive process improvements across the MTS control framework.

Key Responsibilities

• Report to and work closely with the FIU Manager for North America to assess the effectiveness and efficiency of the FIU program and its ability to identify, detect, deter, and report suspicious activity.
• Review and investigate alert escalations and referrals for potentially suspicious activity and assess suitability for SAR reporting.
• Assist in maintaining FIU compliance policies, programs, and procedures.
• Monitor and review regulatory findings across other financial institutions for lessons learned; share insights with the FIU Manager and conduct gap analyses against the MTS FIU program as needed.
• Contribute as a key member of the MTS US Financial Crimes Compliance team to the development and execution of the broader compliance strategy, including staffing considerations.

Qualifications

• Strong verbal and written communication skills, with the ability to deliver consistent messages across all levels of the organization
• Excellent written and oral communication skills for documentation, reporting, and presentations
• Minimum of 35 years of experience in AML/CFT and sanctions compliance, preferably within a regulated financial institution or fintech environment
• Strong investigative skills with the ability to clearly document findings and provide sound rationale supporting work product
• Working knowledge of SharePoint
• High proficiency in Microsoft Office tools, including PowerPoint, Excel, and Visio
• Preferred experience in cryptocurrency AML/CFT and sanctions monitoring, including use of blockchain analytics tools to investigate digital asset transactions

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard's security policies and practices;
• Ensure the confidentiality and integrity of the information being accessed;
• Report any suspected information security violation or breach, and
• Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.

In line with Mastercard's total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Mastercard benefits for interns generally include: 56 hours of Paid Sick and Safe Time; jury duty leave; and on-site fitness facilities in some locations.

Pay Ranges

Purchase, New York: $79,000 - $126,000 USD