Compliance Associate (Transaction Monitoring & Screening)

Visa; Warszawa; Hybrid; PLN 120,000 - 180,000; Full time

Benefits offered by this job

Hybrid work policy

Job summary

Visa in Warsaw is seeking a Compliance Associate to help identify and mitigate financial crime risks by reviewing alerts, customer activity and transactional behavior across Visa Cross-Border Solutions.

You will conduct investigations, assess information from multiple sources, document outcomes and escalate unusual or potentially suspicious activity in line with internal procedures and regulatory expectations; this role supports a hybrid work policy with 3 days per week in the Warsaw office.

Qualifications

• Strong analytical mindset and curiosity about customer behaviour, transaction patterns and financial crime risk.
• Excellent attention to detail and ability to identify anomalies within data, names, entities, geographies and payment context.
• Clear written communication and ability to produce accurate case notes and investigation narratives.
• Ability to follow procedures consistently while applying sound judgement and escalating promptly.
• Comfortable working with data, case management systems and multiple information sources.
• Ability to manage daily workload, meet deadlines and maintain quality in a regulated operational environment.
• Strong teamwork, learning agility and willingness to build financial crime expertise.

Responsibilities

• Review alerts generated through transaction monitoring, sanctions screening and other financial crime controls.
• Analyse customer behaviour, payment activity, transaction patterns, corridors and payment context to identify unusual activity.
• Assess potential sanctions, watchlist or AML matches using available customer and transaction information.
• Gather and assess information from internal systems and relevant external sources to support investigation outcomes.
• Prepare clear, concise and audit-ready case documentation, including evidence reviewed, rationale applied and final decision.
• Escalate high-risk, complex, unusual or potentially suspicious activity in line with established procedures.
• Support Requests for Information (RFIs) and evidence gathering where additional customer or payment context is required.
• Maintain accurate case records and ensure investigation outcomes are documented to procedural and governance standards.
• Work to agreed quality, productivity and service level expectations, including time-sensitive real‑time alert handling where applicable.
• Support queue hygiene, prioritisation and handover activity where required.
• Participate in team huddles, training, quality calibration, knowledge sharing and continuous improvement activity.
• Stay current on financial crime typologies, sanctions developments and risk indicators relevant to payments, fintech and cross‑border flows.

Skills

Analytical mindset

Attention to detail

Written communication

Procedures adherence

Data handling

Time management

Teamwork

Education

Relevant degree or professional qualification

Job description

About Us

Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

About Us

Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

Job Description

At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you.

Team Overview

The Transaction Monitoring & Screening team forms part of Visa Cross-Border Solutions Financial Crime Operations function. The team is responsible for detecting, investigating and escalating potential financial crime risk across customer activity, payments and transactions. Through transaction monitoring, sanctions screening and financial crime investigations, the team helps protect Visa Cross-Border Solutions from money laundering, terrorist financing, sanctions exposure, fraud and other financial crime threats while supporting safe and compliant money movement globally.

Role Purpose

As a Compliance Associate, you will support the identification and mitigation of financial crime risks through the review of alerts, customer activity and transactional behaviour across Visa Cross-Border Solutions. You will conduct investigations, assess information from multiple sources, document outcomes and escalating unusual or potentially suspicious activity in accordance with internal procedures and regulatory expectations. This role is designed for individuals looking to develop expertise in Anti-Money Laundering (AML), sanctions compliance, transaction monitoring, customer risk assessment and financial crime investigations.

Key Responsibilities

• Review alerts generated through transaction monitoring, sanctions screening and other financial crime controls.
• Analyse customer behaviour, payment activity, transaction patterns, corridors and payment context to identify unusual activity.
• Assess potential sanctions, watchlist or AML matches using available customer and transaction information.
• Gather and assess information from internal systems and relevant external sources to support investigation outcomes.
• Prepare clear, concise and audit-ready case documentation, including evidence reviewed, rationale applied and final decision.
• Escalate high-risk, complex, unusual or potentially suspicious activity in line with established procedures.
• Support Requests for Information (RFIs) and evidence gathering where additional customer or payment context is required.
• Maintain accurate case records and ensure investigation outcomes are documented to procedural and governance standards.
• Work to agreed quality, productivity and service level expectations, including time-sensitive real‑time alert handling where applicable.
• Support queue hygiene, prioritisation and handover activity where required.
• Participate in team huddles, training, quality calibration, knowledge sharing and continuous improvement activity.
• Stay current on financial crime typologies, sanctions developments and risk indicators relevant to payments, fintech and cross‑border flows.

We are currently operating a hybrid working policy, with the expectation being 3 days per week in the Warsaw office.

Qualifications

• Strong analytical mindset and curiosity about customer behaviour, transaction patterns and financial crime risk.
• Excellent attention to detail and ability to identify anomalies within data, names, entities, geographies and payment context.
• Clear written communication and ability to produce accurate case notes and investigation narratives.
• Ability to follow procedures consistently while applying sound judgement and escalating promptly.
• Comfortable working with data, case management systems and multiple information sources.
• Ability to manage daily workload, meet deadlines and maintain quality in a regulated operational environment.
• Strong teamwork, learning agility and willingness to build financial crime expertise.

Preferred Experience And Qualifications

• Previous experience in AML, sanctions, compliance, fraud, investigations, customer due diligence, payment operations or a similar environment.
• Basic understanding of financial crime risks, sanctions, PEPs, watchlists, adverse media, fraud indicators or payment services risk.
• Experience within fintech, banking, payments, e‑money or broader financial services.
• Relevant degree, professional qualification or equivalent practical experience.

Visa is an EEO Employer

Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.