Transaction Monitoring Analyst

Paynovate; Versailles; On-site; EUR 45,000 - 60,000; Full time

Benefits offered by this job

CDI contract in Versailles

Competitive salary package

Job summary

Paynovate SA is recruiting a Transaction Monitoring Analyst for its Versailles-based Compliance team. You will safeguard the integrity of French payment activities, reviewing transactions for AML/CFT risks and working with the Belgian Compliance team to ensure consistent decisions.

The role involves independent, risk-based decision-making on transaction validation, collaborating with partners, and maintaining thorough case documentation.

Qualifications

• Solid hands-on experience in KYT, transaction monitoring or AML investigations.
• Experience in fintech, e-money institutions, or banks.
• Understands AML/CFT principles with a risk-based approach.

Responsibilities

• Investigate complex or sensitive KYT cases across French activities and analyze transaction flows.
• Conduct enhanced examinations and gather evidence to resolve gaps.
• Manage cases proactively and coordinate with teams for timely reviews.
• Make independent, risk-based decisions on transaction validation and release of funds.
• Gather information across internal systems and external partners for investigations.
• Maintain clear records and communicate findings to management and teams.

Skills

KYT

Transaction monitoring

AML investigations

Fintech experience

Tools

SEON

Job description

About Paynovate

Paynovate is a Belgium-based fintech, with branches in France and the UK, and 80+ talented colleagues, on a mission to make payments smarter, safer, and simpler. As a licensed e-money institution, we deliver payment solutions that meet the highest compliance standards, and we’re scaling fast.

We’re building a place where bold ideas are welcome, ownership is rewarded, and results matter. If you want to put your investigative skills and judgement to work on complex financial crime challenges, read on.

Your mission

As a Transaction Monitoring Analyst within Paynovate’s Second Line of Defence, you will help safeguard the integrity of our French payment activities. With a focus on a dedicated portfolio of partners, you will support timely and thorough transaction reviews, combining a responsive approach with independent, risk-based judgement.

Based in Versailles, you will join our Compliance Manager in France and work closely with our Belgian Compliance team. Together, you will support informed, consistent compliance decisions and build trusted working relationships with our partners.

What you'll do

• Investigate complex or sensitive KYT cases across our French activities, analysing transaction flows, customer profiles and supporting evidence to identify unusual patterns and potential AML/CFT risks.
• Conduct enhanced examinations where needed, retrieving information from internal systems and gathering additional evidence to resolve gaps or inconsistencies.
• Manage cases proactively, coordinating with relevant teams and following up on missing information to ensure timely, thorough reviews.
• Make independent, risk-based decisions on transaction validation and the release of blocked funds within your delegated authority, escalating concerns or cases requiring further review.
• Proactively gather relevant information across internal systems and external partners to support thorough investigations.
• Maintain clear, complete and traceable records of investigations and decisions, and communicate findings to management and the French and Belgian Compliance teams.
• Act as a trusted compliance contact for partners on transaction monitoring matters, clarifying information requirements and providing clear updates to support effective case resolution.

Is this you?

At Paynovate, we focus on positioning the right talent in the right roles, empowering our people to drive the business forward. We seek someone who:

• Brings solid hands-on experience in KYT, transaction monitoring or AML investigations, with the autonomy and judgement to handle complex cases.
• Has worked within a fintech, e-money institution, bank or comparable financial services environment, ideally with experience in a growing or scale-up organisation.
• Understands AML/CFT principles and applies a risk-based approach to transaction analysis.
• Goes beyond standard checks, asking relevant questions, challenging assumptions and connecting transaction data with supporting evidence.
• Makes well-supported decisions and knows when to involve colleagues or seek further expertise on complex cases.
• Communicates clearly and constructively with management, colleagues and external partners, including when explaining complex findings or requesting further evidence.
• Is comfortable using transaction monitoring tools and learning internal systems; familiarity with SEON is a plus.
• Speaks and writes fluent French and English.

What We Offer

• A permanent contract (CDI), based in Versailles, within our French team.
• An amazing job in a stimulating, profitable and fast-growing sector. Payment solutions is a complex and constantly evolving field, where innovation is key.
• A role where your impact will be tangible. We are a company of owners and believe in empowering people to their full potential.
• A team of talented, motivated and thoughtful individuals, coming together as one to fulfil a common goal - delivering smart, simple and innovative solutions to our clients.
• A dynamic environment full of growth and development opportunities, where your career could take its next major turn. People are our greatest strength, and as an employer, we choose to deliver to you as much as you deliver to us.
• A modern and friendly working environment, where work-life balance is embedded as a structural part of the organisation.
• And of course, a comprehensive and market-competitive salary package.