Senior Analyst, Real-time Transaction Monitoring

As a Real-Time Transaction Monitoring Analyst, you'll help protect Airwallex's payments and card programmes by reviewing real-time transaction monitoring and screening alerts, identifying potential financial crime risks, and escalating cases in line with defined procedures. You'll investigate issuing-related activity, perform holistic post-monitoring alert reviews, and provide clear recommendations when incidents require escalation. You'll also contribute to AML projects, regulatory readiness, and process improvements that strengthen the efficiency and quality of our financial crime operations. You'll work on site in Malaysia with possible one week duty of night shift monthly.

Responsibilities

Clear and escalate real-time transaction monitoring alerts in the case management system, following predefined transaction monitoring procedures; Review and resolve transaction screening alerts in Airwallex's systems in line with established screening procedures; Conduct holistic reviews of post-monitoring alerts, identifying relevant customer, transaction, and financial crime risk indicators; Actively handle issuing investigations, escalating issuing incidents promptly with practical recommendations for resolution; Coordinate with teams involved in issuing and acquiring initiatives to support consistent transaction monitoring and investigation outcomes; Contribute to AML-related projects and initiatives that improve operational excellence, efficiency, and control effectiveness; Stay current on AML news, regulatory developments, and card-scheme requirements, helping strengthen the team's knowledge base and in-house expertise

Requirements

Bachelor's degree and 2–4 years of relevant AML and sanctions experience in fintech, financial services, litigation, or a regulatory environment; Familiarity with common money laundering schemes, sanctions compliance, general and risk-based compliance, risk management, and broader financial crime compliance; Hands-on experience clearing transaction monitoring or screening alerts and conducting financial crime investigations; Ability to analyse common AML typologies and assess customer and transaction activity using a risk-based approach; Understanding of AML regulatory requirements and card-scheme regulations; Strong attention to detail, sound judgement, and the ability to clear or escalate cases accurately within defined procedures and timelines; Strong written and verbal communication skills, with the ability to explain investigation findings and escalation recommendations clearly; Ability to work collaboratively across transaction monitoring, issuing, acquiring, compliance, and operational teams

Nice to have

Experience with international, regional, or local AML and sanctions regulatory requirements; Experience conducting AML or OFAC risk assessments; Experience developing policies and procedures, including blacklists, whitelists, or STR writing and review; Experience with KYC, transaction monitoring, case management, or sanctions compliance vendor solutions; Strong data analysis skills, including advanced Google Sheets, Google Apps Script, or SQL