Senior FinCrime Analyst Italy

Swan

Lombardia

Hybrid

EUR 45,000 - 65,000

Full time

5 days ago

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Benefits offered by this job

27 days paid leave

Well-being support (Moka Care)

Hybrid remote policy (2 days work from

Offsite annual gathering

Diversity and inclusion commitment

Job summary

Swan, Europe’s embedded banking specialist, is seeking a FinCrime Analyst to safeguard financial operations with a focus on the Italian market and corporate clients. You will work in the Financial Crime team, collaborating with Compliance, Legal, and Operations to detect and address AML risks.

You will handle transaction monitoring, sanctions screening, investigations, and reporting while contributing to procedure improvements and staff training.

Qualifications

5+ years of experience in financial crime, fraud, or AML within Fintechs, Payment Institutions, EMIs, or traditional banking environments, focused on corporate clients.
Strong knowledge of the Italian AML framework, UIF indicators, and SOS reporting.
Familiarity with AML regulations (FATF, EU directives, Italian law) and transaction monitoring.
Excellent analytical thinking and attention to detail.

Responsibilities

Lead 2nd line transaction monitoring for Italian corporate customers to detect money laundering or fraud.
Perform sanctions and PEP screenings and due diligences per regulatory requirements.
Conduct investigations into suspicious activities and draft Suspicious Activity Reports (SOS) for UIF compliance.
Support fraud incident responses, including assessing chargebacks and unauthorized transfers.
Contribute to improving FinCrime procedures and controls compliant with Italian regulations.
Draft and submit SOS reports to UIF and use Infostat-UIF for operational workflows.
Provide training to teams on FinCrime risks, typologies, and mitigation techniques.

Skills

AML/FinCrime knowledge

Analytical skills

Italian language

English language

Communication skills

Tools

Infostat-UIF

Transaction monitoring tools

Regulatory reporting systems

Job description

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 €2.5 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

Your mission

As a FinCrime Analyst, you will play a crucial role in ensuring the safety and compliance of our financial operations. Operating within the Financial Crime team, which collaborates closely with Compliance, Legal, and Operations, you will be instrumental in detecting and addressing risks related to money laundering, fraud, sanctions, and other illicit activities. Your expertise will contribute to protecting the company’s reputation and ensuring regulatory compliance, with a specific focus on the Italian market and corporate customers.

Main tasks

Transaction monitoring as a 2nd line: Analyze escalations from 1st line on customer transaction patterns, with a strong focus on Italian corporate customers, to identify potential money laundering or fraudulent activities.

Sanctions screening: Perform sanctions and PEP screenings as well as due diligences when necessary to ensure compliance with international and local (Italian) regulatory requirements.

Investigations: Conduct in-depth investigations into suspicious activities and transaction patterns, assessing, drafting and submitting Suspicious Activity Reports (SOS) in line with Italian AML regulations.

Fraud response: Support the management of fraud-related incidents, including analyzing chargeback cases, unauthorized transfers, and phishing attempts.

Procedure development: Contribute to the continuous improvement of FinCrime procedures, and controls, with particular attention to Italian regulatory expectations.

Data reporting: Preparation, drafting, and submission of Suspicious Activity Reports (SOS) to the Italian Financial Intelligence Unit (UIF), including operational use of Infostat-UIF, following internal approval processes.

Training: Support training initiatives to educate teams on emerging FinCrime risks, typologies, and mitigation techniques.

Preferred experience

You’re a great match if:

You have 5 years of experience in financial crime, fraud, or AML within Fintechs, Payment Institutions, EMIs, or traditional banking environments, with focus on corporate clients.

You have hands‑on experience with the Italian AML framework, including UIF indicators of anomaly and Suspicious Activity Reporting (SOS).

Familiarity with transaction monitoring tools and AML regulations (e.g. FATF recommendations, EU AML directives, Italian AML Law – D.Lgs. 231/2007) is a must.

You possess strong analytical skills and a detail‑oriented mindset.

You are able to work autonomously on complex cases while collaborating effectively with the MLRO and senior stakeholders.

You demonstrate strong written and verbal communication skills, in both Italian and English.

Prior experience with Infostat‑UIF is considered a strong asset.

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.

About Swan

Perks of being a Swanee:

Holidays: 27 days of paid leave.

Well‑being support: access to Moka Care for mental health and wellness.

Hybrid remote policy: We offer the possibility of working from home for 2 days per week.

Offsite: Once a year we gather to reconnect, deep‑dive into big topics, and relax.

This isn’t a perk, it should be the rule, but diversity and inclusion are important at Swan. We’re working hard to get better every day.

Our values:

Swan’s core values guide our actions daily. Individually, they may seem obvious, but together, they form a unique culture.

Simplicity: Leonardo Da Vinci said: \u201Csimplicity is the ultimate sophistication.\u201D 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