Analyst II, Transaction Monitoring and Screening

The role

You will perform deep-dive investigations into merchant and consumer payment patterns to detect potential Money Laundering, Terrorist Financing, and Fraud. You will handle escalated or complex alerts and assist in the refinement of monitoring rules.

What you will do

• Perform end-to-end investigations on complex transaction monitoring alerts using internal data and external OSINT tools.
• Manage a queue of high-priority cases with thorough documentation.
• Draft high-quality Suspicious Activity Reports (SARs) or Suspicious Transaction Reports (STRs).
• Identify and escalate new financial crime typologies and red flags to improve automated detection rules.
• Conduct enhanced due diligence (EDD) on high-risk accounts or merchants.
• Work with Quality Control, Financial Intelligence Unit and Product Engineering teams to provide feedback on alert quality.
• Serve as a point of escalation and subject matter expert for Junior Analysts.
• Ensure all reviews are completed within regulatory timelines and internal Service Level Agreements (SLAs).

Required qualifications

• Bachelor’s degree in Banking, Finance, Law, Criminology, or a related field.
• Minimum 3+ years of hands-on experience specifically in AML Transaction Monitoring or Financial Crime Investigations within Fintech or Banking.
• Proficiency in using Transaction Monitoring systems (e.g., Napier, Featurespace, or proprietary tools) and data visualization tools.
• Strong ability to connect the dots across disparate data points to uncover complex money laundering schemes.
• Exceptional written communication skills for writing investigative narratives.
• Solid understanding of the Financial Intelligence and Anti-Money Laundering Act (FIAMLA) and global AML/CFT standards (FATF).
• Proactive investigator mindset with high attention to detail and the ability to work under pressure.

Nice to have

• ACAMS or ICA certification

About the company

Checkout.com enables over 10 billion transactions yearly for more than one billion global shoppers. The company has 20 offices across six continents with London as HQ.