Transaction Monitoring Analyst

Careers / Transaction Monitoring Analyst

London

Hybrid

Full-time

1+ years experience

PAIO is a London-based, FCA-regulated provider of financial solutions for businesses of all kinds. We’re building a fresh approach to digital financial services, free from outdated legacy systems, with speed, security, competitiveness and compliance at the core of everything we do.

Our services help small and medium-sized enterprises (SMEs) in both online and offline markets collect funds in local accounts and make seamless global payments. For businesses with higher transaction volumes, we design customised solutions tailored to their specific corporate needs.

We’re looking for a Transaction Monitoring Analyst to join our compliance team. You’ll review automated alerts from our transaction monitoring system to identify unusual or suspicious activity, clear false positives with a documented rationale, and elevate genuine concerns to the Investigations team.

You’ll report to the Transaction Monitoring Team Lead.

• Review and disposition transaction monitoring alerts in line with productivity and quality targets
• Compare customer activity against their KYC profile, expected behaviour and risk rating
• Record clear, auditable rationales for every alert closure or escalation
• Escalate suspicious activity to Investigations or raise internal SARs
• Carry out customer research and request information from customers without tipping off
• Flag rule weaknesses, false-positive trends and new typologies to help tune monitoring scenarios
• Support quality assurance, backlog projects, and audit or regulatory reviews

• 1+ year of experience in transaction monitoring, AML or KYC within a bank, EMI, payment institution or fintech
• Hands-on experience reviewing and dispositioning TM alerts
• Good knowledge of UK AML/CTF regulations, including MLR 2017, POCA 2002 (including tipping-off rules) and JMLSG guidance
• Understanding of common money laundering and fraud typologies
• Strong attention to detail and the ability to work to productivity and quality targets
• Excellent written English and the ability to write clear, concise rationales

• Experience with transaction monitoring or case management systems
• Professional certification (e.g. ICA Certificate in AML or Financial Crime Compliance)

• Competitive salary and benefits package
• Opportunities for professional growth and career development
• A dynamic and collaborative working environment
• Exposure to international compliance practices and financial crime prevention

• Location:
  
  London, UK
• Hybrid working model: 4 days in the office and 1 day remotely per week