Transaction Monitoring Analyst (AML / Financial Crime Investigations)

Finom is growing fast, and our Transaction Monitoring team is growing with it. We're looking for an experienced AML analyst to join us and help protect Finom and our customers from financial crime.

In this role, you'll review transaction monitoring alerts, work out why an alert triggered on an account, and investigate potentially suspicious activity. You'll then decide whether the behaviour is genuinely suspicious and whether it warrants a SAR filing or offboarding the customer. Your judgement is the heart of the job.

This is an investigations role, not a box-ticking one. After a structured ramp-up period, you'll make most decisions on your own and manage your own workload. Alongside your core queue work, you'll have chances to contribute to projects that improve how the team works, from process improvements to automation and AI-enabled workflows.

You'll join a team that is at the cutting edge of AML operations technology. Over time, you can take on broader responsibilities and move into more senior roles. Finom is constantly evolving, and people who do well here find that opportunities come quickly.

• Review and investigate transaction monitoring alerts, understanding what triggered each one and what the account activity tells you
• Assess whether the behaviour is suspicious and decide on the right outcome, including SAR filing and/or customer offboarding
• Escalate cases to Second Line of Defence (2LOD) during your ramp-up period, and then make more independent decisions as your experience with our processes grows
• Manage your own productivity and meet your quality and productivity targets, taking initiative to keep the queue moving
• Contribute to team and department projects as your experience grows, including process improvements, automation and AI initiatives
• Over time, take on additional responsibilities, such as reviewing alerts on accounts flagged by Sales or Account Management and handling JIRA escalations from other teams
• Work with colleagues across product, legal and compliance, and help make sure our approach balances regulatory compliance with a good customer experience

• You have at least two years of experience as an AML or fraud analyst in an anti-financial crime operations team
• You have a solid grasp of AML typologies and concepts that goes beyond "how we did it at my last company". You understand the bigger picture of financial crime and why controls exist
• You've worked in a fast-paced, high-volume operations environment and you thrive in it
• You can take ownership: you manage your own workload, make sound decisions with the information you have, and keep going without needing constant direction
• You're comfortable with change. Our processes and priorities evolve as we grow, and you see that as an opportunity
• You communicate clearly in writing, and can explain your reasoning for a decision so that others can follow and review it

• Experience using AI in your personal or professional life, especially if you've built it into your own workflows. We're keen to hear how you've used it
• Experience coordinating with other teams, such as product, legal and compliance
• Experience in a fintech, payments, crypto or similar fast-moving financial services environment

• Real room to grow. Strong performers can move into different or more senior roles after their first year, and your scope grows with your skills
• Technology that matters. You'll work at the cutting edge of AML operations, including automation and AI, and you'll have the chance to shape how it's used
• A balanced approach to risk. We take compliance seriously, and we also care about our customers' experience, so you'll make decisions that weigh both. If you want to see the impact of your judgement, you'll like it here
• A team that values initiative. We trust people to own their work, and we reward those who do

We welcome applications from people of all backgrounds, and we encourage you to apply even if you don't tick every box.

What You Will Get In Return

Make a genuine impact on the product

Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.

Work in the EU

Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.

Become a stock options holder

Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.

Receive unwavering support and care

Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.

Work & Swim program

Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.

Equal Opportunity Statement 

At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.