The correct answer is text: text ~ "Compliance" OR text ~ "AML" OR text ~ "SEC".

text: text ~ "Compliance" OR text ~ "AML" OR text ~ "SEC" is correct because the text ~ operator performs a full text search across an issue's searchable text fields including summary description comments and work logs and the OR operators will return issues that contain any one of the specified terms.

text: text in ("Compliance", "AML", "SEC") is incorrect because JQL does not support using in with the free text text field in this way and that syntax is not valid for full text searches.

text: description ~ "Compliance" OR description ~ "AML" OR description ~ "SEC" is incorrect because it only searches the description field and it will miss matches that appear in summary comments or other searchable text fields.

text: summary ~ "Compliance" OR summary ~ "AML" OR summary ~ "SEC" is incorrect because it restricts the search to the summary field and it will not find issues where the terms appear outside the summary.

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