Senior AML & Monitoring Officer

We are looking for a proactive and independent Senior AML & Monitoring Officer to join our growing banking services division during a key stage of expansion.

The ideal candidate can independently manage AML monitoring end-to-end, handle investigations and workflows, improve processes, and thrive in a fast-paced fintech environment. We value detail-oriented and accountable professionals with strong knowledge of banking products, transaction flows, and payments infrastructure.

• Own and manage transaction monitoring processes for banking services clients.

• Independently conduct transaction monitoring, alert reviews, investigations, and risk assessments using internal systems and tools.

• Analyze complex transaction patterns, customer behaviors, and high-risk activities across banking flow.

• Identify suspicious activities and prepare high-quality escalation summaries, SAR/STR reports, and internal recommendations where required.

• Continuously improve monitoring efficiency by identifying false positives, optimizing rules, and enhancing monitoring scenarios and thresholds.

• Take initiative in improving AML monitoring procedures, workflows, and operational controls.

• Collaborate cross-functionally with Onboarding, Operations and Product teams to ensure aligned risk management practices.

• Maintain high-quality documentation fully aligned with regulatory expectations and internal standards.

• Act as a subject matter expert on AML risks related to banking products and transaction flows.

• Operate effectively under high workload and tight timelines while maintaining accuracy and attention to detail.

• 3+ years of experience in AML, transaction monitoring, or financial crime within fintech, banking, or payments.

• Strong understanding of banking products, payment flows, AML/CFT regulations, and transaction monitoring methodologies. 

• Proven ability to independently manage complex investigations and high-risk cases with minimal supervision. 

• Strong ownership mentality and ability to organize and prioritize work autonomously. 

• Exceptional attention to detail and strong analytical thinking.

• Experience with SAR/STR preparation and regulatory reporting standards.

• Analytical mindset with the ability to identify patterns, anomalies, and emerging risks.

• Strong written and verbal English communication skills (B2+). 

• Practical experience with transaction monitoring systems, rule tuning, scenario optimization, and threshold reviews

Nice to Have

• Experience in a high-growth fintech, banking-as-a-service, or payments environment. 

• Experience with automation tools, SQL, or data analysis.

• Experience participating in the launch or scaling of banking/financial products.

• Opportunity to join and help scale a rapidly growing banking services business.

• High level of ownership and impact on processes and decision-making.

• Strong corporate culture with a collaborative, professional, and non-toxic team.

• Modern office, competitive compensation, and attractive employee benefits.

• Flexible working environment built on trust and accountability.

• A dynamic, ambitious team with high standards and strong growth mindset.