Senior Monitoring AML Analyst

About Addi

We are a leading financial platform, building the future of payments, shopping, and banking—a world where consumers and merchants can transact effortlessly, grow together and where we create abundance and generate pride in them. Today, we serve over 2 million customers and partner with more than 20,000 merchants, making Addi Colombia's fastest-growing marketplace.

We provide banking solutions (deposits, payments, unsecured credit) and commerce services (e-commerce, marketing) using state-of-the-art technology, bridging the financial gap for millions and redefining how people experience financial freedom. As the country's leading Buy Now, Pay Later provider, we have secured regulatory approval to operate as a bank, unlocking even greater opportunities for our customers. In the past year, we have also achieved profitability, reinforcing the strength of our business model and our ability to scale sustainably.

Our mission has earned the trust of world-class investors, including Andreessen Horowitz, Architect Capital, GIC, Goldman Sachs, Greycroft, Monashees, Notable Capital, Quona Capital, Union Square Ventures, Victory Park Capital, and more, who back our vision for the future. With their support, we are not just growing—we are transforming Latin America's financial ecosystem and shaping the next generation to shop, pay, and bank in Colombia.

But what truly sets us apart is how we build. We are a conscious company, driven by deep experience in scaling technology, services and products, and we live by our values every day.

This is where you come in. Below, you'll find what this role is all about—the impact you'll drive, the challenges you'll tackle, and what it takes to thrive  you're ready to be part of something big, keep reading.

Strengthen our transaction monitoring framework to detect, investigate, and report suspicious activities in line with AML and regulatory requirements. The role will focus on analyzing transactional data, identifying risk patterns, and optimizing monitoring processes through database management. The analyst will work cross-functionally with different teams to ensure operational efficiency and regulatory adherence while supporting the company's growth and expansion.

• Strengthen transaction monitoring processes. This involves:

  • Analyze transactional activities to identify potential money laundering patterns using data-driven methodologies.

  • Develop and refine transaction monitoring rules to reduce false positives and increase detection accuracy.

  • Leverage SQL and database management skills to extract relevant data for case analysis and report generation.

• Strengthen Investigation and Reporting Practices. This includes:

  • Escalate complex investigations of suspicious transactions to the Compliance Officer, ensuring timely escalations and regulatory reporting(e.g., SARs).

  • Collaborate with the Compliance Officer to ensure reporting meets SAGRILAFT and SARLAFT regulations.

  • Create and maintain detailed case documentation, supporting audit readiness and regulatory reviews.

• Optimize Transaction Monitoring Efficiency:

  • Identify automation opportunities to streamline monitoring and reporting processes.

  • Utilize data mining techniques to detect emerging risks and propose improvements to monitoring rules / algorithms.

  • Collaborate with engineering teams to implement scalable monitoring solutions that align with the company's risk appetite.

  • Design and implement dashboards for tracking key transaction monitoring metrics.

• Foster
  
  Cross-Functional Collaboration:

  • Work closely with Product, Engineering, Risk, and Legal teams to embed AML transaction monitoring requirements into operational workflows.

  • Support the design and implementation of compliance-related initiatives by providing insights on regulatory requirements, process improvements, and risk mitigation strategies.

• Educational Background

  • Bachelor's degree in Systems Engineering, Industrial Engineering, Finance, Business Administration, Economics, or a related field.

• Professional Experience

  • Minimum 3+ years of experience in transaction monitoring, financial crime investigations, or compliance within fintech, banking, or other regulated financial institutions.

  • Regulatory Compliance:
    Strong understanding of local AML regulations, specifically SAGRILAFT / SARLAFT frameworks, and their application in monitoring and investigations.

• Data & Analytics Skills

  • Experience working with large datasets to detect unusual transaction patterns, optimize monitoring efficiency, and enhance risk-based decision-making.

  • Pattern Recognition:
    Ability to identify transactional anomalies, assess risk exposure, and escalate high-risk activity.

  • Proven track record of using data-driven insights to:

    • Improve alert detection and triage processes.

    • Optimize thresholds and rules in AML monitoring systems.

    • Enhance automated risk scoring models for more effective case prioritization.

• Risk & Investigations Expertise

  • Experience…