AML Transaction Monitoring Analyst

Review and investigate transaction monitoring alerts in a timely manner, ensuring all cases are handled within agreed SLAs and to a high standard of quality. - Conduct detailed analysis of customer activity, transaction patterns, and associated data to determine whether alerts represent genuine suspicious activity or can be dispositioned as false positives. - Prepare clear, well-evidenced case narratives and escalate suspicious activity to the Team Lead or MLRO, supporting the drafting of Suspicious Activity Reports (SARs) where required. - Identify trends, typologies, and emerging financial crime risks through casework, and share insights with the Team Lead to support the continuous improvement of monitoring rules and detection strategies. - Collaborate with colleagues across Compliance, Operations, Customer Support, and Product teams to gather information, resolve queries, and contribute to the effective handling of cases. - Maintain accurate records of investigations and decisions in line with internal procedures and regulatory expectations. - Keep up to date with AML regulations, financial crime trends, and internal policies to ensure investigations reflect current standards and best practice. Job Requirements

A minimum of 2 years of experience in an AML transaction monitoring or financial crime investigation role, ideally within payments and card acquiring. - Working knowledge of UK and EU AML regulations and an understanding of how they apply to transaction monitoring activity. - Familiarity with card acquiring and/or e-money/banking products and the financial crime risks associated with them. - Strong analytical skills, with the ability to interpret transactional data, identify patterns, and draw well-reasoned conclusions. - Excellent written communication skills, with the ability to produce clear, concise, and well-evidenced case narratives. - Highly organised with strong attention to detail and the ability to manage a caseload effectively. - A collaborative team player with good interpersonal skills and a willingness to support colleagues. - Highly motivated and enthusiastic, thriving in a fast-paced environment with changing priorities. - Flexibility to work outside of standard business hours if required.