HSBC Group

Role Purpose

Conduct and lead complex investigations into accounts and transactions displaying unusual or anomalous activity. Produce high-quality investigation outputs and, where appropriate, escalate to the MLRO for consideration of external reporting to MASAK, in line with Investigative Reporting instructions, local requirements and SLAs. Provide mentoring and quality support to junior investigators and contribute to peer review and continuous learning.

Principal Accountabilities

Investigation delivery

• Conduct effective and timely investigations in line with agreed standards, reporting requirements and SLAs, including:
• FC-UAR / anomalous activity referrals from across the bank (FC and non-FC) and other HSBC entities (as applicable)
• Production Orders
• Transaction Monitoring escalations
• OWS / name screening referrals (in scope)
• CSEM / Investigation Exchange / fraud referrals and other major or complex cases (as applicable)
• Apply risk-based prioritization, with particular focus on higher-risk themes such as potential money mule activity, Fraud Ops-identified suspected fraudsters, GEW list referrals, and MASAK/MLRO referrals.
• Identify and recommend appropriate risk actions (e.g., CDD/EDD uplift, account restrictions/inhibition where applicable, CSEM exit consideration, and referrals to relevant functions).

Escalation and reporting governance

• Escalate to the MLRO at the first reliable indication of financial crime risk for consideration of reporting to MASAK.
• Provide clear, evidence-based recommendations at the conclusion of investigations, including whether a SAR/STR should be considered.
• Escalate investigations to appropriate Financial Crime functions for coordination and further review as required (e.g., Sanctions, Anti-Bribery and Corruption, CSEM).

Case documentation and quality

• Produce high-quality Investigation Reports and maintain complete case histories with supporting evidence in the approved case management system (e.g., UCM).
• Ensure narratives are accurate, consistent, defensible and aligned to applicable standards and instructions.
• Assess the quality of KYC/CDD information during investigations and refer issues for action to the appropriate function.

Stakeholder engagement

• Engage relevant stakeholders (e.g., Complex and Major Investigations, CSEM Secretariat, business lines, Fraud Ops, Compliance/2LoD) to manage financial crime risk.
• Represent the function in stakeholder meetings and governance forums when required, ensuring outputs are fact-checked and appropriately reviewed.

People management

• Act as a mentor to junior investigators, providing advice, guidance and on-the-job coaching to ensure consistent standards and methodology.
• Facilitate peer reviews and collaborative team sessions (e.g., weekly), using case studies and live/pending cases to share best practice and improve consistency.
• Where assigned, conduct documented sample-based manager reviews of casework and provide feedback to improve quality and decisioning.
• Support team resilience by assisting with prioritised workload during peak periods to minimise delays on higher-risk cases.