Transactions Monitoring Senior Analyst - Operations, ShopeePay

Moneep; Philippines; On-site; PHP 900,000 - 1,300,000; Full time

Job summary

Moneep is seeking an AML Operations Senior Analyst in the Philippines to monitor transactions for potential illicit activity within our wallet platform. The role involves investigating flagged cases, documenting findings, and coordinating with Compliance and Legal to ensure regulatory adherence.

A strong understanding of AML risks and KYC is essential. The ideal candidate will have at least 3 years of AML experience in financial services or fintech, with proficiency in detection tools and data

Qualifications

• Bachelor's degree preferred in Finance, Business, Law or related field.
• CAMS/ICA certification preferred but not required.
• Minimum 3 years of AML transaction monitoring, investigations or compliance.
• Proficiency with financial crime detection tools and data interpretation.
• Solid knowledge of AML laws including KYC; fintech/e-wallet experience a plus.

Responsibilities

• Monitor real-time and historical transactions for suspicious activity on ShopeePay.
• Investigate flagged transactions and prepare documentation for SARs to Compliance.
• Apply risk-based approaches to assess AML risk and identify red flags.
• Ensure compliance with local AML laws (e.g., regulators) and international standards.
• Collaborate with Compliance, Legal, Operations, and Product teams on investigations.
• Maintain records of investigations and provide evidence for audits.
• Analyze transaction data to identify trends and suggest system improvements.
• Manage case queues, escalate high-risk cases promptly, and clear low-risk cases timely.
• Stay updated on AML practices and technology; participate in process improvements.

Skills

Analytical thinking

Communication

Attention to detail

Problem solving

KYC knowledge

Education

Bachelor's degree in Finance/Business/Law

Tools

AML detection tools

Job description

About The Team

The AML Operations Transaction Monitoring Senior Analyst will play a critical role in identifying and investigating potentially suspicious transactions within ShopeePay. The analyst will monitor real-time and historical transactions, assess risk indicators, and ensure compliance with relevant financial regulations and internal policies. This role requires a strong understanding of transaction monitoring processes, financial crime risks, and e-wallet technologies.

Job Description

Key Responsibilities:

• Transaction Monitoring: Monitor transactions in real-time within ShopeePay, identifying potential suspicious activity, such as money laundering, fraud, or terrorist financing.
• Investigation and Reporting: Conduct detailed investigations into flagged transactions to determine whether they are suspicious or compliant with regulations. Document findings and escal ... create Suspicious Transaction Reports (SARs) endorsements to Compliance team.
• Risk Assessment: Apply risk-based approaches to evaluate the potential for illegal activities based on transaction patterns, account behaviors, and other red flags. Ensure that transactions are analyzed according to the established AML risk parameters.
• Regulatory Compliance: Ensure that all transaction monitoring and investigation activities comply with relevant AML laws, including those set by local regulatory bodies (e.g., Bangko Sentral ng Pilipinas, AntiMoney Laundering Council) and international financial institutions (e.g., FATF).
• Collaboration: Work closely with other departments, including Compliance, Legal, Operation units, and Product teams, to resolve complex cases, implement effective transaction monitoring controls, and streamline investigation workflows.
• Reporting and Documentation: Maintain clear and comprehensive records of all investigative actions and decisions. Prepare reports and provide evidence for audits and examinations by regulatory authorities.
• Data Analysis and Trends Identification: Analyze large volumes of transaction data to identify emerging trends in money laundering schemes. Make recommendations for improving the transaction monitoring system based on identified trends.
• Case Management: Manage case queues efficiently, ensuring that high-risk cases are escalated promptly and low-risk cases are cleared in a timely manner.
• Continuous Improvement: Stay updated with the latest AML practices, regulatory requirements, and technological advancements. Assist in improving AML systems and processes to increase efficiency and reduce false positives.

Requirements

Skills & Qualifications:

• Educational Background: Bachelor's degree in Finance, Business, Law, or a related field is preferred.
• - Certifications: Certification in Anti-Money Laundering (e.g., CAMS, ICA) is preferred, but not required.
• Experience: Minimum 3 years of experience in AML transaction monitoring, investigations, or compliance within financial services, e-wallets, or fintech companies.
• Technical Skills: Proficiency in using financial crime detection tools and platforms. Strong analytical skills with the ability to review and interpret transaction data.
• Knowledge: Sound understanding of AML laws and regulations, including KYC (Know Your Customer), AML behavior and patterns. Knowledge of e-wallet technologies and digital payment systems is a plus.
• Communication Skills: Strong written and verbal communication skills, with the ability to document investigations clearly and concisely.
• Attention to Detail: Excellent attention to detail with the ability to identify patterns and anomalies within complex datasets.
• Problem-Solving: Ability to think critically and make decisions based on incomplete or ambiguous information