Financial Crime Investigator

Monese LTD; Manila; On-site; PHP 600,000 - 900,000; Full time

Job summary

Monese LTD is seeking a detail-oriented Financial Crime Investigator to join our Financial Crime unit. You will analyze high-risk alerts, investigate matches against global watchlists, and collaborate with cross-functional teams to ensure compliance with international regulations.

You will conduct complex investigations, gather evidence, and prepare clear reports for senior management. The role requires 1–3 years in AML/CFT or fraud roles, strong English communication, and adaptability to

Qualifications

• 1-3 years of hands-on AML/CFT or fraud investigation experience in fintech or a regulated payments environment.
• Strong analytical skills and ability to document findings clearly.
• Experience with transaction monitoring and screening tools is a plus.

Responsibilities

• Analyze alerts for sanctions, SDNs, PEPs, and SIPs during onboarding and payments.
• Conduct complex investigations using internal tools and external databases.
• Provide SME guidance on suspicious activity monitoring to product teams.
• Gather evidence and produce clear narratives for leadership reports.
• Flag high-risk activity for regulatory filings and participate in process improvements.

Skills

AML/CFT

Sanctions

PEPs

SIPs

Data analysis

English communication

Job description

About the role

We are seeking a detail-oriented, proactive Financial Crime Investigator to join our growing Financial Crime unit. In this role, you will be on the front lines of safeguarding our financial ecosystem against money laundering, terrorist financing, and sanctions evasion. You will analyze high-risk alerts, investigate matches against global watchlists (SDNs, PEPs, SIPs), and collaborate with cross-functional teams to ensure strict adherence to international regulations.

Key responsibilities

Alert & Transaction Screening: Analyze and investigate alerts for customers matching Sanction/SDN, Politically Exposed Persons (PEPs), and Special Interest Persons (SIP) lists during onboarding and payment processing.

Complex Investigations: Conduct comprehensive alert and case investigations utilizing internal monitoring tools, external databases, and established compliance policies to meet regulatory standards.

Advisory & SME Guidance: Serve as a Subject Matter Expert (SME) on suspicious activity monitoring for operational and product teams, offering guidance to ensure broad understanding of AML/CFT implications.

Evidence Gathering & Reporting: Compile facts, evidence, and clear narrative reports on suspicious or unusual activities to present to Senior Management and Compliance leadership.

Escalations & SAR/STR Inputs: Flag and document high-risk behaviors related to money laundering, financial crime, or sanctions breaches for regulatory filings.

Process Optimization: Assist management with the continuous testing, feedback, and refinement of internal compliance processes, detection rules, and investigation systems.

About you

1-3 years of hands-on experience in an AML/CFT, Sanctions, or Fraud Investigation role within a Fintech company, e-money institution (EMI), payment service provider (PSP), or regulated investment platform.

Tech-savvy with strong analytical capabilities and rapid adaptability to proprietary compliance engines, transaction monitoring dashboards, and screening software.

Exceptional written and spoken English skills; ability to document legal/compliance rationale clearly and concisely.

Ability to work on a rotational shift pattern aligned with global coverage: Afternoon Shift 3:00 PM – 11:30 PM PST, Night Shift 9:30 PM – 6:00 AM PST, and Weekend Rotation availability to work every 2nd weekend with a weekday rest day in lieu.

Extreme attention to detail, strong problem-solving orientation, and a resilient, positive attitude when handling complex cases.

About us

Pockit and Monese are all-in-one money apps that make it easier for people to access and manage the financial tools they need to take control of their money. We provide vital financial services, from accounts and cards to income advance solutions. In October 2024, Pockit acquired Monese, bringing together two complementary businesses and creating a leading fintech company focused on serving people who are underserved by traditional banks. Together, we serve more than three million customers across the UK and Europe. We're a diverse, international and energetic team, with colleagues based across London, Newcastle, Tallinn and remote teams across Central Europe. We value curiosity, ambition, accountability and resilience, and we want everyone to feel at home, have a voice and know that their contribution matters.