Analyst II, Transaction Monitoring and Screening

As a Transaction Monitoring Analyst II, you will be at the front line of defending the ecosystem against financial crime. You will perform deep-dive investigations into merchant and consumer payment patterns to detect potential Money Laundering (ML), Terrorist Financing (TF), and Fraud. Unlike an entry-level role, an Analyst II handles escalated or complex alerts, identifies emerging typologies, and assists in the refinement of monitoring rules.

Responsibilities

Perform end-to-end investigations on complex transaction monitoring alerts, using internal data and external OSINT tools to identify suspicious patterns; Manage a queue of high-priority cases, ensuring thorough documentation of rationales and timely clearance or escalation; Draft high-quality Suspicious Activity Reports (SARs) or Suspicious Transaction Reports (STRs) for review by the MLRO; Identify and escalate new financial crime typologies and red flags to improve automated detection rules; Conduct enhanced due diligence (EDD) on high-risk accounts or merchants triggered by transaction monitoring alerts; Collaborate with the Quality Control (QC), Financial Intelligence Unit (FIU) and Product Engineering team to provide feedback on alert quality and system effectiveness; Serve as point of escalation and subject matter expert (SME) for Junior Analysts, providing guidance on complex investigative techniques; Ensure all reviews are completed within strict regulatory timelines and internal SLAs

Requirements

Bachelor's degree in Banking, Finance, Law, Criminology, or a related field; Minimum 3+ years of hands-on experience in AML Transaction Monitoring or Financial Crime Investigations within Fintech or Banking; Proficiency in using Transaction Monitoring systems (e.g., Napier, Featurespace, or proprietary tools) and data visualization tools; Strong ability to connect the dots across disparate data points to uncover complex money laundering schemes; Exceptional written communication skills, with a proven ability to write clear, concise, and defensible investigative narratives; Solid understanding of the Financial Intelligence and Anti-Money Laundering Act (FIAMLA) and global AML/CFT standards (FATF); Proactive, investigator mindset with high attention to detail and the ability to work under pressure

Nice to have

ACAMS or ICA certification (highly preferred)