AML Transaction Monitoring Analyst

Coins.ph; Philippines; On-site; PHP 600,000 - 900,000; Full time

Job summary

Coins Philippines, the leading crypto brand regulated by the BSP, seeks an experienced investigator to join its Merchant Risk team. You will monitor merchant activity, investigate suspicious accounts, and calibrate fraud-detection rules to reduce false positives.

You will perform Global AML Transaction Monitoring investigations, document findings for audits, and stay ahead of evolving fraud schemes and regulatory changes.

Qualifications

• Bachelor’s degree in Business or related field (or equivalent).
• 2–4 years in merchant risk or transaction monitoring.
• AML regulations knowledge and AML TM investigations.
• Strong analytical skills to interpret complex data.
• Familiarity with fraud detection tools and merchant systems.
• Excellent written and verbal communication.
• Knowledge of global payment networks.
• Ability to manage multiple priorities in a fast-paced environment.

Responsibilities

• Monitor merchant activity to detect and prevent fraudulent behavior.
• Investigate suspicious merchant accounts and transactions, escalating cases as necessary.
• Create, tune, and calibrate fraud detection rules and scoring models.
• Conduct root cause analysis on confirmed fraud cases and recommend preventive measures.
• Perform Global AML TM investigations to detect money laundering and elevate cases.
• Document investigation findings and case outcomes for auditability and compliance.
• Stay current on industry trends, fraud schemes, and regulatory changes.

Skills

Merchant risk experience

AML TM investigations

Analytical skills

Communication skills

Fraud tools knowledge

Payment networks knowledge

Education

Bachelor’s degree in Business or related field

Job description

Join the Pioneer Crypto Brand in the Philippines!

Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users. Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services.

Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

What You'll Do

• Monitor merchant activity to detect and prevent fraudulent behavior using internal tools and external data sources
• Investigate suspicious merchant accounts and transactions, escalating cases as necessary
• Create, tune, and calibrate fraud detection rules and scoring models to improve accuracy and reduce false positives
• Conduct in-depth root cause analysis on confirmed fraud cases to identify emerging trends and recommend preventive measures
• Perform Global AML Transaction Monitoring (TM) investigations to detect potential money laundering activities and elevate cases in accordance with compliance protocols
• Document investigation findings, and case outcomes to ensure auditability and compliance with regulatory requirements
• Stay current on industry trends, fraud schemes, regulatory changes, and best practices

What We Expect From You

• Bachelor’s degree in Business or related field (or equivalent experience)
• 2-4 years of experience in merchant risk, transaction monitoring, or a similar investigative role
• Working knowledge of AML regulations and experience performing AML TM investigations
• Strong analytical skills with the ability to interpret complex data sets and identify anomalies
• Familiarity with fraud detection tools, payment processors, and merchant monitoring systems
• Excellent written and verbal communication skills, with strong attention to detail
• Knowledge of global payment networks and e-commerce ecosystems
• Ability to thrive in a fast-paced, high-pressure environment and manage multiple priorities effectively

Meaningful Collaborations - The successful candidate will work cross-functionally with other relevant teams to carry out implementations that will improve and create an impact on customer experience.

Scalable Growth - Be part of a fast-growing organization with the vision to expand its territories outside APAC which will provide opportunities for career advancement.

A Space For Bright Ideas - Let your bright ideas be converted into meaningful changes! Coins culture welcomes new ideas backed up by data to create an impact.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.