Job Description

Financial Crime Analyst

Reports to: Group Money Laundering Reporting Officer (MLRO)

About the client - Our client is a multi-jurisdictional fintech payments platform operating across Canada, Singapore, Australia, and Hong Kong.

About the role

They're hiring a Financial Crime Analyst / Manager to own transaction monitoring end to end — live and post-transaction monitoring, AML/CTF alerts, and fraud alerts (including card fraud) — across all jurisdictions in which we operate.

You will own transaction monitoring for the Group end to end — live and post-transaction monitoring, AML/CTF alerts, and fraud alerts (including card fraud) across all jurisdictions — ensuring suspicious activity is identified, investigated, and escalated accurately and on time, so that regulatory, reputational, and financial exposure is caught before it materialises.

What you'll be responsible for

Design and operation transaction monitoring framework for cross-border payment/remittance flows, including stablecoin-based transfers, in line with applicable jurisdictions regulatory requirements
Handle the dispositioning alerts generated by their monitoring system with confidence, with documented decisions and clear audit trails for every disposition
Investigate and escalate suspicious activity — money laundering, terrorist financing, sanctions exposure, and fraud (including card fraud, chargebacks, and account takeover patterns)
Prepare Suspicious Transaction Reports (STR) and/or other reports (as appropriate) for the MLRO to submit to the relevant jurisdiction's financial intelligence unit where required
Build and refine detection typologies, including crypto/stablecoin-specific red flags (wallet clustering, mixer exposure, rapid in-out patterns)
Build coverage models and flag rate analysis from historical transaction data including pre-live calibration of thresholds and rules
Act as the subject matter expert for transaction monitoring in regulatory examinations, MLRO-led reviews, and internal risk reviews
Maintain clear, chronological, evidence-based case files that would withstand regulator scrutiny
Escalate time-sensitive findings directly to the MLRO with a clear risk-based recommendation
Support the MLRO in periodic reporting obligations to relevant jurisdictions regulators including AML/CFT annual reports and risk assessments

What you'll need

3-5 years working knowledge of AML/CTF obligations — comfortable with STR/SAR/SMR thresholds and timelines; multi-jurisdictional exposure (FINTRAC, AUSTRAC, MAS, AMLO) is a strong advantage
Practical experience with transaction monitoring systems and alert investigation.
Strong analytical skills — comfortable working through large transaction datasets (spreadsheets, SQL, or monitoring-tool queries) to find patterns, not just clear single alerts
Sharp, factual, jargon-free written communication — able to produce a filing-ready STR and/or other reports (as appropriate)
Sound judgment under ambiguity, and the independence to hold a compliance decision under commercial pressure
Comfort working across multiple regulatory frameworks at once without conflating them
CAMS or equivalent certification preferred

Nice to have

Hands-on card fraud experience (CNP fraud, chargebacks, BIN attacks)
Experience spanning both fiat rail monitoring and on-chain/stablecoin transaction analysis