Senior Transaction Monitoring Analyst

VFX Financial; England; Hybrid; GBP 55,000 - 75,000; Full time

Job summary

A fast-growing FinTech firm based in the UK is seeking a Senior Transaction Monitoring Analyst to strengthen its transaction monitoring framework. The role entails managing complex investigations and guiding junior analysts while ensuring compliance with regulatory expectations. The ideal candidate should have over 7 years of experience in AML/CTF roles within fintech, excellent analytical skills, and the ability to engage with senior stakeholders. Competitive salary and a hybrid working model are offered.

Benefits

Generous Profit Share Plan

Equity via Company Share Option Plan

Competitive salary

Hybrid working 3-days per week

Annual incentive trip

Flexible learning budget

Weekly events and socials

Fresh fruit and drinks in office

Qualifications

• 7+ years of experience in AML/CTF roles within payments or fintech.
• Proven track record of managing complex investigations and submitting SARs.
• Strong knowledge of UK and EU AML/CTF frameworks.

Responsibilities

• Lead reviews of complex alerts for potential financial crime.
• Conduct investigations and draft SARs to the NCA.
• Coach and support junior analysts on financial crime best practices.

Skills

AML/CTF knowledge

Investigation skills

Analytical skills

Communication skills

Stakeholder engagement

Tools

Lexis Nexis

Actimize

SAS

ComplyAdvantage

Job description

About VFX

VFX is a fast-growing FinTech simplifying global trading and cash management for businesses worldwide. We remove complexity so clients can transact globally with confidence. Our tailored, secure, and efficient solutions span FX and international payments, multi-currency accounts, and integrations that make global operations effortless.

With six offices, five regulatory licences, and an 83% CAGR over the past three years, we’re scaling fast and earning industry recognition along the way — including CNBC UK's Top Fintech Companies for 2025, Wealth & Finance FinTech Awards 2025, and the Business Growth Award from Business Awards UK. Behind it all is a team of ambitious VFXers who think like founders, never stop learning, and go the extra mile to help our clients succeed.

About the Role

We are seeking a Senior Transaction Monitoring Analyst to take a leading role in strengthening VFX’s transaction monitoring framework. The role manages complex investigations, oversees the effectiveness of monitoring systems, and provides guidance and escalation support to junior analysts, ensuring regulatory expectations and financial crime risks are proactively managed. Reporting to the Head of Operations, the role helps lead the first line of compliance alongside the Senior Onboarding Analyst.

Working closely with the MLRO, the Senior Transaction Monitoring Analyst plays a key role in tuning monitoring systems, improving processes, and ensuring that financial crime controls are robust, efficient, and fit for purpose.

Key Responsibilities

Transaction Monitoring & Investigations

• Lead reviews of complex alerts to identify potential money laundering or financial crime (terrorist financing, proliferation financing, fraud) activity.

• Conduct investigations, draft and elevate high-quality SARs (Suspicious Activity Reports) to the NCA.

• Oversee QA on investigations to ensure timely, accurate, and consistent escalation.

• Run thematic reviews on higher-risk customer segments or payment corridors.

System Tuning & Optimisation

• Work with data and systems teams to fine-tune monitoring rules and thresholds.

• Support validation and calibration of detection models, documenting changes in line with regulatory standards.

Policy & Framework

• Contribute to continuous improvement of AML/CTF policies and procedures.

• Stay up to date with key regulatory changes (MLRs, FCA, FATF, OFSI) to ensure compliance.

Leadership & Mentoring

• Coach and support Transaction Monitoring Analysts on investigations and financial crime best practices.

• Act as a key escalation point for complex or sensitive cases.

Reporting & MI

• Prepare MI and KPI reports for senior management, highlighting key trends and typologies.

• Support the MLRO with internal and regulatory reporting.

Cross-Functional Collaboration

• Partner with Onboarding, Risk, Operations, and Product teams to ensure financial crime risks are managed across the business.

• Participate in financial crime risk assessments and internal/external audits.

Candidate Profile

• 7+ years of experience in AML/CTF roles within payments, fintech, or another regulated environment.

• Proven track record managing complex investigations and submitting SARs.

• Strong knowledge of UK and EU AML/CTF frameworks (MLRs 2017, POCA, TACT, JMLSG).

• Experience with transaction screening / monitoring systems (Lexis Nexis, Actimize, SAS, ComplyAdvantage, or similar).

• Excellent analytical, communication, and report-writing skills.

• Confident engaging with senior stakeholders and regulators.

Benefits at VFX

We offer more than just perks — we offer ownership.

Our benefits include:

• Generous Profit Share Plan (PSP)

• Equity via the Company Share Option Plan (CSOP)

• Competitive salary

• Hybrid working 3-days per week at our Aldgate office

• Annual all-expenses paid company incentive trip abroad

• Flexible learning & development budget

• Weekly events like Supper Club, Thursday Happy Hour & regular socials

• Fresh fruit, breakfast staples & fully stocked drinks fridge in the office

PSP & CSOP Details

At VFX, the biggest benefit is the opportunity to act like an owner. Through our Profit Share Scheme (PSP) and Company Share Option Plan (CSOP), every team member has a chance to own a stake in the business and share in the profits.

To show you what that looks like, in 2024, PSP participants received over $1,000,000 USD. From those distributions, more than 80% of eligible VFXers chose to become shareholders — a powerful reflection of the belief and commitment that drives VFX forward.

If you care about building something meaningful, take pride in your work, and are motivated by impact — you’ll thrive here.

Next Steps

If you are successful, you will be contacted for an initial call with the People Ops Team, followed by a 1st stage technical Teams interview, and culminating with an in-person final stage interview at our London office.