AML Transaction Monitoring Analyst

Ring Inc; Philippines; On-site; PHP 600,000 - 900,000; Full time

Job summary

Coins in the Philippines is seeking a detail-oriented investigator to monitor merchant activity and conduct AML TM investigations, supporting global fraud controls and regulatory compliance.

You'll analyze data, create rules, and collaborate with cross-functional teams to reduce false positives and improve customer trust as the brand expands beyond APAC.

Qualifications

• Bachelor’s degree or equivalent experience in a related field.
• 2–4 years of experience in merchant risk, transaction monitoring, or similar role.
• Knowledge of AML regulations and AML TM investigations.
• Strong analytical skills to interpret complex data and identify anomalies.
• Familiarity with fraud detection tools, payment processors, and merchant monitoring systems.
• Excellent written and verbal communication with attention to detail.
• Knowledge of global payment networks and e-commerce ecosystems.

Responsibilities

• 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 trends and preventive measures.
• Perform Global AML Transaction Monitoring investigations to detect money laundering and elevate cases per compliance protocols.
• Document investigation findings and outcomes to ensure auditability and regulatory compliance.
• Stay current on industry trends, fraud schemes, regulatory changes, and best practices.

Skills

Analytical skills

Fraud detection tools

Payment networks knowledge

Attention to detail

Education

Bachelor’s degree in Business or related field

Tools

Fraud detection tools

Payment processors

Merchant monitoring systems

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.