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Transaction Monitoring Officer

About us:

 

Here at Payswix, ambition is contagious. Our goal is to enable you to drive your own development. We have the freedom to create, explore, and innovate. When energy and sincerity have a place to prosper, it helps create a solid team, consisting of diverse talents, competencies, and skills.

Job Description:

As a member of the Payswix family, you will play a vital role by joining our Transaction Monitoring Officer. We highly value individuals who are tech-savvy and proactive, and we are seeking a business-minded, driven team member who can contribute to both their personal growth and the success of Payswix!

  • Analyze transaction monitoring activities to identify and report suspicious or unusual activity in compliance with regulatory requirements and internal policies;
  • Identify and verify the source of funds for transactions, ensuring adherence to regulatory and internal standards;
  • Perform both real-time and retrospective transaction monitoring, reviewing flagged transactions for potential money laundering, fraud, or other financial crimes;
  • Conduct real-time transaction screening to detect and review potential sanctions evasion;
  • Analyze payments to and from cryptocurrency exchange platforms, including wallet addresses and blockchain data, to detect risks and ensure compliance with AML and financial crime prevention guidelines;
  • Review and assess correspondent banking relationships, monitoring transactions for risks associated with cross-border payments and correspondent accounts;
  • Conduct ongoing reviews of customers’ transactional behavior to identify patterns inconsistent with their profiles;
  • Prepare comprehensive alert narratives detailing the “who, what, where, when, why, and how,” including an assessment of whether the activity is deemed unusual or suspicious and recommendations for further review, if necessary;
  • Perform internal investigations as required;
  • Conduct periodic reviews of transaction monitoring and screening processes, recommending improvements to enhance efficiency and compliance.

Requirements:

  • Proven experience in AML/KYC within the banking, fintech, or payment industry;
  • Proficiency in reviewing, analyzing, and monitoring transactions, including real-time and retrospective transaction monitoring and screening;
  • Strong understanding of high-risk indicators and the ability to assess complex structures and entity types;
  • Analytical skills to discern trends from transactional patterns, evaluate supporting documentation, and make informed decisions (e.g., approve, investigate, or decline), documenting and communicating these decisions clearly;
  • Knowledge of AML laws and legal frameworks;
  • Excellent communication skills in English (C1 level);
  • A degree in business, law, finance, or a related field is preferred.

Company offers:

  • Opportunities for professional development and personal growth;
  • Team building events, summer/winter parties;
  • Possibility to partly work remotely;
  • Pension compensation for the 2nd stage;
  • Loyalty program with additional vacation days;
  • Health insurance;
  • Friday Lunch and snacks.

Salary

1200-1400 €/mon. net
The final offer depends on experience, motivation, and competence.