Transaction Monitoring Analyst - 6-month fixed-term contract

Swan; Paris; Sur place; EUR 55 000 - 75 000; Plein temps

Résumé du poste

Swan, Europe’s embedded banking specialist, is seeking a Transaction Monitoring Analyst to protect the business from money laundering and fraud across our client base in Europe. You’ll monitor transactional activity, investigate alerts, and collaborate with Risk, Operations and external partners to maintain strict compliance standards.

Ideal candidates have 3+ years in AML or Compliance within fintech or payments, solid knowledge of French law, and strong analytical skills.

Qualifications

• 3+ years of AML or Compliance experience in fintech or payments.
• Solid understanding of French law and regulatory frameworks.
• Strong analytical skills with attention to detail.
• Excellent written and spoken English.
• Experience with Forest (CRM) and Zendesk.
• Ability to follow strict processes and communicate with stakeholders.

Responsabilités

• Monitor clients' transactional activity to detect fraud and AML risks.
• Handle internal or external requests requiring analysis of account activity.
• Process alerts on transactions (cards, SEPA, international) across client types.
• Communicate with end-clients and partners when suspicious activity is detected.
• Assist in detecting trends and contribute to improving scoring rules.

Connaissances

AML/Compliance experience

Analytical skills

Communication

English proficiency

Curious mindset

Stakeholder management

French law knowledge

Teamwork

Outils

Forest (CRM)

Zendesk

Description du poste

About

Swan is Europe’s embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand.Swan processes over €1.5 billion in monthly transactions for more than 150 companies—like Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR).

About

Swan is Europe’s embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand.Swan processes over €1.5 billion in monthly transactions for more than 150 companies—like Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR).

Our mission

Banking belongs in business software

Many software companies already serve small businesses incredibly well: helping them send invoices, run payroll, manage inventory, and more. They’re on a mission to become the central hub for managing every aspect of business life.

But when it comes to financial workflows, there’s still a gap. Too many critical tasks like managing cash flow, tracking payments, or reconciling accounts happen outside the software, across spreadsheets, email threads, banking portals.

It’s a missed opportunity. Business software shouldn’t just record financial activity — it should run it.

To learn more about us: About Swan ; Our story.

Job Description

Attached to the AML team and working closely with the Risk and Operations teams, your primary responsibility will be to proactively monitor clients' transactional activities to protect the company against fraudulent activities, money laundering risks, financial risks, and reputation risks.

You will also be responsible for handling various internal or external requests requiring a thorough analysis of account activity.

Your mission

• Process alerts related to various transactions (cards, SEPA transactions, and international transactions) across various client types (individual accounts, freelancers, businesses).
• Manage communication with end-clients and partners when suspicious activity is detected to gather supporting documentation.
• Analyze and address customer requests that may be victims of fraud.
• Handle external legal requests sent by the authorities or banking partners.
• Participate in detecting trends and report them to 2nd line to improve our scoring rules.

Your team

The Transaction Monitoring Team operates with three dedicated teams (mix of junior and senior analysts) working on AML/TF/Fraud Alerts & Judicial Requests. We work closely with all Operational teams but also our Financial Crimes unit. This, to prevent bad actor using Swan for illicit activities.

You’re a great match if:

• You have 3+ years of experience in AML or Compliance, ideally specific to transaction monitoring in a fintech, Payment Provider, Bank, consulting firm, or a similar fast-paced environment.
• You have a solid understanding of French law and regulatory frameworks.
• Strong analytical skills with an eye for detail, and the ability to adhere to strict processes.
• Effective communication with internal and external stakeholders.
• Curious mindset and flexibility to adapt to changing requirements in an evolving environment.
• You have excellent working abilities in English.
• Ideally, you have experience using modern tools such as Forest (CRM), Zendesk (ticketing system), and other AML/Transaction monitoring-related tools.
• Our ideal teammate: Empathetic. Skilled. Frank. We love to challenge each other, and we leave our egos at the door.

It’s okay if you don’t tick all the boxes - don’t let imposter syndrome prevent you from applying!

Swan is committed to providing a caring work environment for all employees, regardless of age, sex, disability, sexual orientation, race, religion, or belief. When it comes to recruitment, we’re interested in your work experience, skills, and overall personality. Because diversity makes the workplace stronger and is necessary for Swan’s success, we are intensifying efforts to incorporate concrete actions to help us improve in this area.

Our values:

• Simplicity: Leonardo Da Vinci said: “simplicity is the ultimate sophistication.” If something's convoluted or confusing, we work extra hard to break it down. - Making complex things simple is what we do.
• Long Term: We always play the long game, whether it's to support our partners in their growth journey, or make tangible commitments to climate action.
• Excellence: We are a team of experts who consistently go all out to create pixel-perfect banking services and exceed our partners' expectations - whatever it takes.
• Be Human: We believe in the power of kindness and the importance of acting with integrity. But embracing our humanity extends beyond interpersonal interactions, it means caring about greater issues that affect our planet.

You can find out more about our culture.

Recruitment process

• A 30-min video call with our Talent Acquisition Manager, Héloïse, to get to know you, understand your career expectations and answer your questions.
• A 45-min video call with Jawad and Pauline, our AML team managers
• A home case study followed by 45-min presentation (visio) with Claudine, Head of Transaction Monitoring
• A 45-min video call with Corentin, Senior AML Analyst