Analyst, Transaction Surveillance

YouTrip; Petaling Jaya; On-site; MYR 48,000 - 72,000; Full time

Job summary

YouTrip is seeking a Compliance (Transaction Surveillance) Analyst in Petaling Jaya, Malaysia. This role involves analyzing live transactions to identify suspicious activities and ensuring compliance with regulatory standards. The ideal candidate should have strong analytical skills, attention to detail, and a passion for the financial services or payment industry. Weekend work may be required. YouTrip is dedicated to transforming digital financial services and values diversity and inclusion in its workforce.

Qualifications

• Passionate about a career in risk & compliance.
• Demonstrated experience in solving complex business issues.
• Understanding of traveller psychology and overseas spending risks.

Responsibilities

• Perform live transaction screening and investigations.
• Identify suspicious or fraudulent activities from transactions.
• Assess name hits against sanctions lists.
• Handle resolution of suspicious cases and coordinate investigations.
• Collaborate with Compliance and business functions for process improvement.
• Escalate serious issues to Compliance team when necessary.
• Work weekends as required.

Skills

Analytical thinking

Attention to detail

Problem-solving

Knowledge of regulatory expectations

Understanding of sanctions lists

Tools

Complyadvantage

Job description

Our consumer and business propositions – YouTrip and YouBiz – empower individuals and businesses with inclusive, accessible, and affordable financial solutions. YouTrip has raised over US$110 million to date, including its recent Series B round led by global venture capital firm Lightspeed Venture Partners—underscoring strong investor confidence in its mission to transform digital financial services across the Asia Pacific.

Recognised as World Economic Forum’s Global Innovator 2025, CNBC’s World’s Top Fintech Companies (2025, 2024), and LinkedIn’s Top Startup (2024, 2023), YouTrip is dedicated to creating the next generation of digital finance services for consumers and businesses.

Valuing an entrepreneurial culture of diversity and inclusion, we are seeking driven individuals to join our fast-growing regional team as we push the boundaries of innovative fintech solutions.

As a Compliance (Transaction Surveillance) Analyst, you will be performing live transaction screening and investigations to continually safeguard YouTrip’s reputation and customer funds.

You will:

• Analyze and review live transactions within SLA that were flagged, identify trends & patterns that may signify suspicious or fraudulent activities, with knowledge of regulatory expectations.
• Assess potential name hits against sanctions lists to determine the acceptance or rejection of the transaction.
• Establish any fraudulent patterns/indicators that may indicate that the account is compromised and/or in relation to scam related typologies.
• Be the Subject Matter Expert in Complyadvantage (Screening Tool), and support any enhancement/process related workflows.
• Handle resolution of confirmed suspicious cases, including assisting to reach out to affected customers and internal teams for further investigation.
• Collaborate with Compliance and other key business functions to ensure a smooth end-to-end internal process to achieve customer satisfaction and safeguard company’s and users’ interests.
• Escalate to the compliance team whenever required upon true hits and/or suspicion, with a clear report that describes the rationale of escalation and the impact of the hit. (i.e. sanctions concerns, AML concerns or Fraud Concerns)
• As the required coverage is Daily - weekend work will be required.

You are:

• Compliance & Risk Enthusiast – you are passionate about developing a career in risk & compliance and are interested in the financial services or payment industry.
• Analytical & Detail-Oriented Thinker – you possess excellent problem-solving skills with demonstrated experience in solving complex business with analytical thinking. You have the natural tendency to always focus on details and hate to miss out on specifics.
• Travel Enthusiast – you are a passionate traveller and understand the psychology of traveller, in particular when it comes to overseas spending behavior and its associated risks.
• Fearless Self-Starter – you are not afraid to suggest and implement new initiatives to tackle complex business issues, as long as the rationale are logical and sound. You do not mind getting your hands dirty in order to get things done in tight timeline.