AML Analyst

Dojo; Madrid; On-site; EUR 40,000 - 55,000; Full time

Job summary

A leading payment solutions provider in Madrid is seeking an AML Compliance Analyst to enhance their compliance framework. This role focuses on designing and executing control assurance testing, monitoring key risk indicators, and providing regulatory guidance. Candidates should have at least 2 years of experience in a 2LoD role, strong analytical skills, and proficiency in AML/KYC regulations. This position offers a collaborative, office-first culture, emphasizing teamwork and innovation.

Qualifications

• At least 2 years of experience in a 2LoD role within payments or financial services.
• Proficiency in AML/KYC regulations and control frameworks.
• Strong attention to detail with the ability to manage multiple activities.

Responsibilities

• Design and execute independent control testing across AML controls.
• Develop and maintain AML policies aligning with regulations.
• Monitor KPIs related to AML processes and prepare reports for senior management.
• Provide guidance on new business processes to mitigate AML risks.
• Manage external regulatory audits related to AML compliance.
• Track remediation plans from audit findings or regulatory observations.
• Develop training to foster a strong AML culture across the business.

Skills

AML regulations

Analytical skills

Investigative skills

Collaborative teamwork

Bilingual (English and Spanish)

Job description

We’re reinventing payments.

In less than four years, Dojo disrupted the market to become the largest and most loved acquirer in the UK. Our payments infrastructure, purpose-built for in‑person commerce, is game‑changing. Now, over 150,000 customers across four countries choose to transact billions with us every year. But we’re just getting started. Our people are the driving force behind our success. They are our greatest investment and our ultimate competitive advantage. We hire exceptional people and give them the autonomy, trust, and ownership to thrive. The results take care of themselves.

The Role

We are looking for an AML Compliance Analyst to join the Second Line of Defence (2LoD), specialising in the payments industry. This critical role will focus on providing independent assurance over the effectiveness of the First Line of Defence's (1LoD) risk management activities, controls, and compliance with regulatory requirements related to money laundering, fraud, and financial crime. Your primary responsibility will be to design and execute control assurance testing, monitor key risk indicators, and govern the AML policy framework. This position requires a deep understanding of local and payment industry regulations, strong analytical and auditing skills, and the ability to effectively challenge and collaborate with internal stakeholders to elevate compliance standards. You will hit the ground running on day one, so we are looking for a self‑starter who can quickly establish a robust assurance program.

What You Will Do

• Assurance Testing: Design and execute independent control testing, thematic reviews, and risk‑based monitoring across the 1LoD’s AML controls (including KYC, CDD, transaction monitoring, and sanctions screening).
• Policy & Governance: Own, develop, and maintain the company’s AML policies, procedures, and risk appetite statement, ensuring alignment with local regulations, card scheme rules, and global best practices.
• Monitoring & Reporting: Monitor key performance indicators (KPIs) and key risk indicators (KRIs) related to AML processes and controls. Proficient in obtaining and analysing data from reporting systems. Prepare independent reports for senior management and the Board on the overall health and effectiveness of the AML control environment, highlighting deficiencies and providing recommendations for remediation.
• Oversight & Challenge: Provide expert guidance and challenge to the 1LoD on the design and implementation of new business processes, products, and operational changes to ensure inherent AML risks are adequately mitigated.
• Regulatory Liaison: Manage and coordinate responses for external regulatory audits and inspections related to AML compliance, working with the Regional Compliance Manager to ensure all regulatory obligations are met. Prepare STR submissions for Head of AML/CFT review.
• Remediation Tracking: Track, monitor, and validate the completion of remediation plans resulting from control testing, internal audit findings, or regulatory observations.
• Training & Awareness: Develop and deliver targeted training and awareness programs to embed a strong AML culture across the business, particularly within the 1LoD and sales.

What You Will Bring

• At least 2 years proven experience working in a Second Line of Defence (2LoD) Assurance, Audit, or Governance role within the payments industry or financial services sector.
• Deep practical knowledge of designing and executing control assurance testing and risk‑based reviews.
• Proficiency in AML/KYC regulations, control frameworks, and reporting standards (e.g., local Spanish regulations, EU AML Directives).
• Excellent analytical and investigative skills, with the ability to identify systemic risks, analyze complex control deficiencies, and articulate independent findings to senior audiences.
• Strong attention to detail and accuracy, with the ability to manage multiple assurance activities and prioritize workload effectively.
• A team player who can effectively and efficiently collaborate, building relationships with colleagues throughout the business while maintaining the necessary independence and challenge required of a 2LoD function.
• Fluent in English and Spanish.

Dojo home and away

We believe our best work happens when we collaborate in‑person. These “together days” foster communication, drive innovation and spark our brightest ideas. That’s why we have an office‑first culture. This means working from the office 4+ days per week. With offices across Europe, we know a thing or two about staying dynamic. Need deep focus? Head to a quiet zone. Big ideas? Collaboration spaces have you covered. Just here for a catch‑up? Our social hubs make it easy. Do work that counts, in spaces made for you.

Question: what’s curious, relentless, and customer‑obsessed?

If you’re keen to know the answer, you’re a third of the way to meeting our Dojo values.

Values

• You’re curious. You have a real desire to learn and create.
• You’re relentless. You keep going even when it’s easier not to.
• You’re customer‑obsessed. You know how important customers are to what you do.

Diversity, equity, and inclusion at Dojo

From local bakeries to well‑known eateries, Dojo payments serve over 150,000 places across the UK. And something that’s fundamental to creating relevant, innovative products at Dojo is to build teams to reflect the diversity of the businesses we serve. Our drive to improve diversity, equity, and inclusion is closely linked to helping employees thrive and innovating for better customer experiences. If you care about your work, you’re curious, and you think customer‑first, you have a place at Dojo.

To make sure you’re the best you can be throughout the recruitment process, let us know if you need any extra adjustments to help you thrive.

Visit dojo.careers to find out more about our benefits and what it’s like to work at Dojo, or check out our LinkedIn and Instagram pages.