AML Operations Analyst at Oura

Austin, Texas, United States

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Not SpecifiedCompensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, FinTechIndustries

Requirements

Bachelor’s degree required; 1–3 years of BSA/AML investigative experience is preferred. A relevant degree demonstrating strong research, writing, and analytical skills may substitute for experience
Proficiency in Excel (intermediate level)
Detail-oriented team player with excellent communication and organizational skills
Strong analytical and critical-thinking skills with the ability to assess high-risk attributes (e.g., transactional, geographic, product, customer) from various sources and core processing systems
Ability to quickly learn regulatory and financial concepts, exercise sound judgment, and maintain strict confidentiality
Self-motivated, able to work independently, manage multiple priorities, and meet deadlines

Responsibilities

Conduct case investigations using internal systems, reports, and external sources to identify potential money laundering, terrorist financing, identity theft, or other fraudulent activity
Review and analyze customer transaction patterns to detect unusual or suspicious behavior
Perform enhanced due diligence on high-risk customers and exception requests
Escalate significant findings to management as needed
Maintain thorough and organized documentation of investigative steps and conclusions in compliance with all BSA/AML/OFAC requirements
Continuously assess emerging trends and risks and contribute to efforts that reduce or mitigate risk and losses
Conduct interviews with customers, relationship managers, and internal partners as part of investigations
Collect and review documentation to assess activity and determine whether Suspicious Activity Reports (SARs) or other external referrals are warranted
Prepare clear, well-written SARs summarizing findings and supporting evidence
Query and analyze transaction data to compare activity against customer profiles and expected behavior
Document investigative steps and findings within AML systems
Collaborate with team members to identify trends, assess risks, and provide recommendations related to card activity and other transaction patterns

Skills

AML

BSA

USA PATRIOT Act

Transaction Monitoring

Case Investigation

Fraud Detection

Regulatory Compliance

Suspicious Activity Reporting

Oura

Wearable health monitoring smart ring

About Oura

Oura offers a smart ring that tracks various health metrics, including sleep patterns, heart rate variability, and physical activity. The ring uses advanced sensors to collect data, which is then analyzed and displayed through a mobile app, providing users with insights to improve their health and lifestyle. Unlike many competitors, Oura focuses on a direct-to-consumer model, selling its rings through its website and collaborating with sports teams and health institutions for additional partnerships. The goal of Oura is to help users, including athletes and those with health conditions, optimize their health through data-driven insights.

Oulu, FinlandHeadquarters

2013Year Founded

$344.1MTotal Funding

SERIES_DCompany Stage

Biotechnology, HealthcareIndustries

501-1,000Employees

Benefits

Competitive salary & equity packages

Health, dental, financial, & vision insurance

Wellness & mental health benefits

$300 per month health improvement related stipend

Flexible working hours

An Oura Ring of your own

Employee discount for friends & family

20 days of PTO

Risks

Increased competition from Samsung and Huami may pressure Oura's market share.

Criticism of cumbersome interfaces could lead users to competitors like VIV Health.

High valuation may lead to investor pressure for rapid growth, risking strategic missteps.

Differentiation

Oura's smart ring tracks over 20 biometrics, offering comprehensive health insights.

The ring's seamless wearability and precise monitoring set it apart in the market.

Oura's partnerships with sports teams validate its utility and accuracy for athletes.

Upsides

Oura raised $550M, boosting its valuation to $5.2 billion in 2024.

Integration with AI-driven insights could enhance personalized health recommendations.

Strategic partnerships with Dexcom and Essence Healthcare expand market reach into healthcare.

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