Senior Transaction Monitoring Analyst (Fintech Payments)

Montpellier Resourcing; City Of London; Hybrid; GBP 60,000; Full time

Job summary

A dynamic UK-based FinTech company is seeking a Senior Transaction Monitoring Analyst to join their internal fraud and AML team. The role involves leading investigations into high-risk fraud and money laundering cases, drafting regulatory reports, and mentoring junior analysts. Candidates should have 3-5+ years of relevant experience and excellent analytical skills. This position offers a salary of up to £60,000 plus excellent benefits, with hybrid working available.

Benefits

Excellent benefits

Hybrid working

Qualifications

• 3-5+ years of experience in fraud detection or AML compliance.
• Proven track record handling fraud and AML investigations.
• Experience drafting Suspicious Activity Reports (SARs).

Responsibilities

• Conduct in-depth investigations into high-risk fraud alerts.
• Draft and finalize Suspicious Activity Reports (SARs).
• Mentor junior analysts on complex cases.

Skills

Fraud detection

Transaction monitoring

Analytical skills

Problem-solving

Education

Bachelor’s degree in a relevant field

Professional certifications like ACAMS

Tools

Brighterion

Cybersource

Job description

Senior Transaction Monitoring Analyst (Fintech Payments)

Up to £60,000 plus excellent bonus and benefits

Hybrid working available (3 days in the office)

Candidates must have minimum 3 years’ experience with transaction and merchant monitoring.

Our client, a dynamic and rapidly growing UK-based FinTech company, is seeking an experienced Transaction Monitoring Analyst to join their internal fraud and AML team. This is a unique opportunity to lead a small but critical function at the forefront of financial crime prevention. As a senior analyst, you will be on the front lines, working with cutting-edge monitoring systems to detect and investigate suspicious activity. This is an ideal position for someone who wants to take ownership of complex cases, mentor junior colleagues, and contribute to the continuous improvement of the team's processes and systems.

Duties of the Transaction Monitoring Analyst to include:

• Complex Case Investigation: Conduct in-depth investigations into high-risk fraud and money laundering alerts, using advanced analytical techniques and open-source intelligence to build comprehensive case narratives.
• SAR Preparation: Draft and finalize thorough Suspicious Activity Reports (SARs) for regulatory reporting, collaborating with the MLRO to ensure all filings are accurate and timely.
• Mentorship & Guidance: Act as a go-to resource for junior analysts, providing guidance on complex cases, sharing investigative techniques, and reviewing their work for quality and accuracy.
• System Enhancement: Collaborate with the Team Lead to optimize monitoring systems by suggesting new rule logic, adjusting thresholds, and participating in system testing.
• Cross-Functional Partnership: Work closely with other departments, including Operations and Compliance, to resolve cases and implement swift risk mitigation actions.
• Continuous Improvement: Stay ahead of evolving financial crime typologies and regulatory changes, proactively sharing insights and contributing to the refinement of internal policies and procedures.

Requirements for the successful Transaction Monitoring Analyst to include:

• Candidates must have 3-5+ years of hands-on experience in fraud detection, transaction monitoring, or AML compliance within financial services, with a proven track record of handling both fraud and AML investigations from start to finish. Experience drafting SARs is highly valued.
• Candidates must have experience with transaction and merchant monitoring.
• Practical experience with platforms like Brighterion, Cybersource, or similar systems is strongly preferred.
• Possess excellent analytical and problem-solving skills, with the ability to interpret large datasets and identify hidden patterns.
• Qualifications: A Bachelor’s degree in a relevant field and professional certifications like ACAMS are a plus.

This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Associates Resourcing Limited are those of an Employment Agency.