Transaction Monitoring Analyst

Protect Financial Systems. Detect Risk. Make a Difference.

At Mukuru, we're more than a fintech business. We're a team committed to creating safe, affordable, and accessible financial services for millions of people across Africa and beyond. Behind every secure transaction is a dedicated Financial Crime team working to protect our customers, our business, and the communities we serve.

We're looking for a Transaction Monitoring Analyst (TMA) who is naturally curious, analytical, and passionate about uncovering patterns that others might miss. If you enjoy investigations, solving complex problems, and combating financial crime, this opportunity could be your next career move.

What You'll Be Doing

As a Transaction Monitoring Analyst, you'll be on the front line of protecting Mukuru from financial crime risks. You'll investigate unusual transaction activity, identify emerging threats, and help ensure that our AML/CFT controls remain effective and compliant.

Investigate and Analyse

• Review and investigate transaction monitoring alerts.
• Analyse customer behaviour, transactional activity, and risk indicators.
• Identify potential money laundering, terrorist financing, mule activity, structuring, and other suspicious activities.
• Produce clear, comprehensive investigation findings and recommendations.

Protect the Business

• Escalate high-risk or suspicious activity when required.
• Support enhanced due diligence investigations.
• Identify emerging financial crime trends and control weaknesses.
• Help strengthen risk management processes across the business.

Turn Data into Insight

• Conduct audits and quality reviews.
• Compile transaction monitoring statistics and corridor reports.
• Share trends, patterns, and observations with stakeholders.
• Contribute to continuous improvement initiatives that enhance investigation quality and efficiency.

Collaborate and Grow

• Partner with colleagues across Financial Crime and internal teams.
• Participate in team discussions on emerging threats and trends.
• Stay up to date with evolving AML/CFT regulations, typologies, and industry best practices.
• Continuously develop your professional expertise within the financial crime space.

What We're Looking For

Experience

• Minimum 2 years' experience within a Money Service Business (MSB) or similar financial services environment.
• Experience in Anti-Money Laundering (AML), Financial Crime Compliance, Transaction Monitoring, or a related field.
• Proven experience investigating potentially suspicious financial activity.
• Experience analysing transactional and customer data to support investigations.

Qualifications

• Qualification in Finance, Law, Compliance, Risk Management, Criminology, or a related field will be advantageous.
• AML/CFT certifications such as ACAMS will be highly advantageous.

Knowledge

• Understanding of AML/CFT principles and financial crime risks.
• Knowledge of the FIC Act and relevant South African regulatory requirements.
• Understanding of Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), suspicious transaction reporting, and transaction monitoring practices.
• Knowledge of remittance and money transfer processes

I am sure you are reading this job description and meet majority of the criteria BUT you may also still not be 100% comfortable in applying. We believe that there is a place for everyone under the Mukuru sun and we want YOU to contribute to our diverse tapestry of talent. So come on, take a leap of faith, and send your application if you meet majority of our requirements. Remember to include a snippet of how you will bring value and help us build a future of success that will help us determine where and how you may best be suited” Maybe you are just the future Mukurian we need!!

Should you be appointed in a remote/work from home role at Mukuru, it is your responsibility to ensure that you have uninterrupted internet connectivity and a ‘work-like’ environment at your home location, in order to deliver your best in terms of performance, productivity and service to our customers.

If you do not receive any response after two weeks, please consider your application unsuccessful.

NB: ALL STAFF APPOINTMENTS WILL BE MADE WITH DUE CONSIDERATION OF THE COMPANY’S DIVERSITY AND INCLUSION PLANS