Associate, External RFI Transaction Monitoring

As a Channel RFI Senior Analyst, you will be the first-line specialist handling external enquiries received via our channel RFI mailbox from correspondent / partner banks and law enforcement agencies. You will coordinate timely, high-quality responses, perform targeted transaction and account reviews on cross-border activity, and ensure our responses meet regulatory and contractual expectations while protecting Airwallex from financial crime risk.

Responsibilities

Own and manage the external RFI mailbox and workflow for correspondent / partner banks and law enforcement agencies, ensuring all enquiries are triaged, tracked and closed within agreed SLAs; Respond to correspondent bank RFIs on cross-border wires and virtual account flows, including reviewing end-to-end payment journeys, interpreting SWIFT messages and coordinating inputs from FCC, TM, KYC, Financial Partner and Commercial; Handle law enforcement enquiries (e.g. police, regulators, tax / customs and other competent authorities), ensuring requests are legally grounded, responses comply with internal policy and local law, and sensitive matters are escalated to FIU / Legal / MLRO where appropriate; Perform targeted account and transaction reviews related to RFIs, assessing cross-border patterns, counterparties and consistency with the customer's KYC profile, and recommending risk-based actions (e.g. freezes, offboarding, enhanced monitoring); Draft clear, concise and audit-ready written responses and case files, documenting rationale, evidence, decisions and approvals to a standard suitable for internal and external review; Partner with FCC, TM, KYC, Financial Partner, Legal, Sanctions Compliance and regional Operations to align positions on complex cases and implement any required remediation or control enhancements; Contribute to continuous improvement of the channel RFI process, including playbooks, templates, training materials and dashboards to improve efficiency, quality and SLA performance

Requirements

3+ years of relevant experience in financial crime operations / AML / sanctions / investigations within a bank, payments institution or fintech with direct exposure to correspondent banking RFIs and law enforcement enquiries; Strong understanding of cross-border payments and corridors including how funds flow through correspondent banks and payment networks and common risk indicators in international wires and e-wallet/virtual account flows; Demonstrated experience managing RFIs from law enforcement and responding within tight statutory or regulatory deadlines with strong judgement on escalation and data protection; Proven ability to work with strict SLAs and high case volumes while maintaining quality, accuracy and audit-ready records; Solid knowledge of AML / CFT / sanctions concepts and common typologies in cross-border payments; Excellent verbal and written communication skills in English; Highly detail-oriented, organised and comfortable working with multiple systems and datasets; Strong stakeholder management skills and confidence to interact with external banks and authorities in a professional and controlled manner

Nice to have

Proficiency in Mandarin; CAMS certification; CFCS certification; ICA Advanced AML certification