FinTech Process Analyst — CDD & Transaction Monitoring

You understand that financial crime controls are built at the intersection of regulation, data, process, and technology. You’ve worked in regulated environments before and can translate legal requirements into workable solutions.

Every platform transaction is fueled by trust. As a Fin Tech Process Analyst focused on Customer Due Diligence and Transaction Monitoring, you design processes, controls, and governance frameworks that foster and safeguard that trust – scalably and demonstrably. A big ask, because we’re building our financial crime capability from the ground up. You translate regulatory responsibilities into our operational reality, ensuring we catch what we should by designing CDD data pipelines and workflows that scale with our needs.

Working across Compliance, Operations, Product, Data, and Engineering, you make financial crime controls effective and usable.

Transaction Monitoring at scale is a calibration conundrum. When thresholds are set too tightly, we generate noise, send unwarranted alerts, and real signals get lost in translation. When the thresholds are too loose, we create unnecessary regulatory exposure. Your challenge is to build a TM capability that gets that calibration just right and keeps improving as the platform grows. Moreover, you don’t operate in a vacuum.

Effective financial crime controls also require input from data engineers, compliance specialists, operations leads, and product teams. We need you to ensure we all work towards a shared goal, balancing regulatory expectations with evolving operational reality.

You’ll work at the heart of bol’s Fin Tech organization, embedded in the team that realizes CDD and Transaction Monitoring capability for our licensed entities. Here, you’ll work closely with Compliance, Risk, Legal, Operations, and Engineering, functioning as the connective layer between regulatory intent and technical implementation. The team is already actively building, and your contributions will transform and improve our capability for years to come.

What that looks like in practice:

• Translate regulatory requirements into business processes, controls, and system specifications
• Design, implement, and continuously improve Transaction Monitoring rules, thresholds, workflows, and governance processes
• Analyze transaction data and customer behavior to identify risk patterns and opportunities for improvement
• Define data requirements and team up with engineers and data specialists to ensure quality and completeness
• Map end-to-end financial crime processes and identify where automation can improve efficiency and reliability
• Provide structure and oversight across initiatives, ensuring clear planning, alignment on deliverables and timely execution
• Establish governance structures, performance metrics, and reporting frameworks for CDD and TM
• Support audits, regulatory reviews, and internal control activities
• Ensure alignment across Compliance, Risk, Legal, and Operations on regulatory positioning

You understand that financial crime controls are built at the intersection of regulation, data, process, and technology. You’ve worked in regulated environments before and can translate legal requirements into workable solutions. You consider knowledge sharing as essential to success as technical precision. You can challenge a compliance assumption with transaction data, and push back on an engineering constraint with regulatory context.

You bring structure to ambiguous situations and feel comfortable during a build phase where surfacing the right answer requires asking the right question. We highly value experience in one or more of the following areas:
Customer Due Diligence / KYC, Transaction Monitoring, AML/CFT compliance, payments or financial services, regulatory change implementation, process design and optimization, and data analysis and risk management.

3 reasons why this is (not) for you

• True signal hunter – Alert fatigue is a real risk, and you strive for a Transaction Monitoring system that catches…