Senior AML Investigator

Req ID: 116445

Department: Financial Crime - FCTM

Division: Risk

Location: Melbourne

About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.

About the Role

As an AML Senior Investigator within Financial Crime Threat Management (FTCM), you will play a key role in detecting, investigating, and mitigating money laundering and terrorism financing risks. You will be instrumental in managing ANZ’s AML/CTF risk and supporting the organisation’s regulatory reporting obligations.

This role has a strong focus on Suspicious Matter Report (SMR) investigations and reporting, ensuring full compliance with AUSTRAC requirements. You will be responsible for conducting high-quality investigations, identifying suspicious activity, and ensuring timely and accurate reporting.

In addition, you will act as a trusted support to AML team leads by taking ownership of complex cases, providing guidance and coaching to colleagues, and influencing senior stakeholders to strengthen ANZ’s overall financial crime capability.

Banking is changing and we’re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you’ll be building your future, while helping to build ours.

Role Type: Permanent, Full-time
Role Location: Melbourne

What will your day look like?

As a member of the AML Investigations team, you will be accountable for:

Leading investigations into suspicious AML/CTF activity, including preparing and submitting high-quality Suspicious Matter Reports (SMRs) to AUSTRAC within regulatory timeframes
Setting standards for investigative excellence and contributing to the continuous uplift of AML/CTF practices across the team
Coaching, mentoring, and guiding investigators, building team capability and fostering a strong culture of continuous improvement
Engaging with customers through both written and verbal communication, including the issuance of formal Requests for Information (RFIs)
Acting as a key decision-maker for escalated and complex investigations, ensuring outcomes are risk-appropriate and aligned with regulatory obligations
Collaborating with senior stakeholders to enhance detection, escalation, and reporting of suspicious activities
Conducting Enhanced Customer Due Diligence (ECDD) for customers with complex or high-risk profiles
Preparing clear, concise investigation reports and maintaining accurate, audit-ready documentation to support SMR submissions
Championing knowledge sharing, contributing to training, development initiatives, and broader capability uplift across Financial Crime

What will you bring?

To grow and be successful in this role, you will ideally bring:

Demonstrated experience in AML investigations, with direct exposure to Suspicious Matter Report (SMR) preparation and submission
Strong leadership capabilities, including coaching, mentoring, and developing team members to build overall capability
Robust decision-making skills, with the ability to manage complex, high-risk cases and apply sound judgment
Experience interpreting legislation and regulatory requirements, particularly under the AML/CTF Act
Excellent written and verbal communication skills, with the ability to effectively influence and engage senior stakeholders
A collaborative and proactive mindset, with a focus on driving change and contributing to continuous improvement across teams and processes

You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you.

So why join us?

From the moment you join ANZ, you'll be doing meaningful work that will shape a world where people and communities thrive.

But it's not just our customers who'll feel your impact. You'll feel it too. Because at ANZ, you'll have the resources, opportunities, and support you need to take the next big step in your career.

We're a diverse bunch at ANZ in different roles, different locations, doing different things. That's why we have a range of flexible working arrangements, so our people can 'make work, work for them'. We also provide a range of benefits including access to health and wellbeing services and discounts on selected products and services from ANZ and more.

At ANZ, you'll be part of an organisation where the different backgrounds, perspectives and life experiences of our people are celebrated. That's because we're committed to building a workplace that reflects the diversity of the communities we serve. We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you're a candidate with a disability or access requirement, and have an enquiry about the support provided, please let us know on your application or visit ANZ Accessibility and Inclusion Programs for alternate contact methods.

To find out more about working at ANZ, visit https://www.anz.com.au/careers. You can apply for this role by visiting ANZ Careers and searching for reference number 116445 .

Job Posting End Date

29/05/2026 , 11.59pm, (Melbourne Australia)