Role Overview

We are seeking a highly analytical and detail-oriented Risk, Fraud & AML Monitoring Analyst to join our compliance and risk team. This role is responsible for monitoring transactions, identifying suspicious activity, preventing fraud, and ensuring compliance with applicable anti-money laundering (AML) regulations.

The successful candidate will play a critical role in safeguarding the business, protecting customers, and maintaining regulatory compliance across our financial and digital asset products.

Key Responsibilities

Transaction Monitoring & AML

• Monitor customer transactions for suspicious activity using internal and third-party systems 
• Conduct investigations on flagged alerts and determine whether activity is legitimate or suspicious 
• Escalate suspicious activity and prepare Suspicious Activity Reports (SARs) where required 
• Perform ongoing customer due diligence (CDD) and enhanced due diligence (EDD) 
• Review high-risk accounts and monitor ongoing customer behaviour 

Fraud Detection & Prevention

• Identify and investigate potential fraud patterns including: 
  • Account takeover 
  • Payment fraud 
  • Card fraud 
  • Synthetic identity fraud 
• Analyse transactional and behavioural data to detect anomalies 
• Take appropriate action, including account restrictions, blocking transactions, or freezing accounts 
• Work closely with customer support and operations teams on fraud cases 

Risk Management

• Assess and categorise customer risk levels based on defined frameworks 
• Support the development and refinement of risk models and scoring systems 
• Identify emerging risks and recommend mitigation strategies 
• Maintain accurate records of risk decisions and audit trails 

Compliance & Regulatory Reporting

• Ensure compliance with AML regulations including: 
  • UK AML Regulations 
  • FCA guidelines 
  • FATF recommendations 
  • MiCA (for crypto environments) 
• Prepare reports for internal stakeholders and regulatory bodies 
• Support internal and external audits 

Monitoring Systems & Controls

• Operate and maintain transaction monitoring systems and fraud detection tools 
• Assist in tuning rules and thresholds to reduce false positives 
• Recommend improvements to monitoring frameworks and workflows 

Collaboration

• Work closely with: 
  • Compliance team 
  • Risk team 
  • Customer support 
  • Product and engineering teams 
• Provide insights into fraud trends and customer risk behaviour 

Key Skills & Experience

Essential

• Experience in AML, fraud, or risk monitoring within: 
  • Fintech 
  • Banking 
  • Payments 
  • Crypto / digital assets 
• Strong understanding of: 
  • Transaction monitoring 
  • AML frameworks (CDD, EDD, SARs) 
  • Fraud typologies 
• Analytical mindset with strong attention to detail 
• Ability to interpret transactional data and identify patterns 
• Strong written and verbal communication skills 

Desirable

• Experience with crypto / blockchain monitoring tools (e.g. Chainalysis, TRM) 
• Knowledge of card schemes (Visa / Mastercard) and payment rails 
• Understanding of sanctions screening (OFAC, HMT, EU) 
• Experience working in a regulated environment (FCA, ADGM, VARA, etc.) 
• SQL, data analysis, or dashboard tools experience 

Qualifications

• Degree in Finance, Law, Business, or related field (preferred) 
• Relevant certifications are advantageous: 
  • CAMS (Certified Anti-Money Laundering Specialist) 
  • ICA certifications 
  • ACAMS / AML certifications 

Key Attributes

• High integrity and ethical standards 
• Strong problem-solving skills 
• Ability to work under pressure and meet deadlines 
• Detail-oriented with a proactive mindset 
• Comfortable working in a fast-paced, evolving environment 

KPIs / Success Metrics

• Accuracy of alert reviews 
• Reduction in fraud losses 
• Timeliness of investigations 
• Quality of SAR submissions 
• False positive rate reduction 
• Compliance audit outcomes 

Why Join Us

• Work at the forefront of financial technology and digital assets 
• Opportunity to shape risk and compliance frameworks in a growing business 
• Fast-paced environment with real impact 
• Competitive salary and career progression