About the Role
The Compliance Specialist (AML) leads day-to-day detection and investigation of suspicious activity across Raenest's personal and business products, in every jurisdiction where it holds a licence or relies on a regulated partner. The role owns alert quality, complex investigations and suspicious activity filings. It also mentors junior analysts and feeds investigation findings back into scenario tuning.
Primary duties and responsibilities
- Review and resolve complex transaction monitoring alerts across accounts, transfers, cards, FX, stablecoins and investment activities.
- Manage alert queues, prioritise investigations and ensure regulatory and operational turnaround times are met.
- Execute real-time payment holds, interdictions and releases where financial crime risks are identified.
- Investigate money laundering, money mule networks, APP fraud, account takeover, suspicious business activities and cryptocurrency-related risks.
- Prepare and recommend suspicious activity reports (SARs/STRs) for submission to relevant financial intelligence units and partner banks.
- Respond to law enforcement requests, regulatory enquiries and partner bank requests for information (RFIs).
- Recommend customer restrictions, account exits and enhanced due diligence (EDD) based on investigation findings.
- Analyse transaction monitoring performance, identify false-positive trends and recommend improvements to detection rules and thresholds.
- Identify emerging financial crime typologies and translate investigation findings into effective monitoring scenarios.
- Support transaction monitoring rule validation, testing and periodic scenario reviews.
- Conduct quality assurance on investigations and provide coaching to analysts to improve decision-making and case documentation.
- Maintain financial crime procedures, investigation playbooks and typology libraries.
- Prepare management information (MI) and support compliance committee reporting, audits, regulatory examinations and partner bank reviews
Job Requirements
- 5+ years of professional work experience in transaction monitoring or financial crime investigations, with at least 3 years at a fintech, banking, electronic money institution, money services business, IMTO or payments firm.
- Track record of drafting suspicious activity reports or suspicious transaction reports that were filed with an FIU or partner bank.
- Working knowledge of AML/CFT rules in at least two of: Nigeria (CBN, NFIU), Canada (FINTRAC), US (BSA, OFAC) or UK (MLR 2017).
- Experience with cross-border typologies: mule networks, APP fraud proceeds, trade-based laundering and card fraud.
- Hands-on use of a transaction monitoring or case management platform (for example Unit21, ComplyAdvantage, Hummingbird, Sardine or Flagright).
- SQL or similar skills to query transaction data independently.
- Clear writing and sound judgement under time pressure.
We are specifically looking for people who:
- Have ACAMS (CAMS), ICA Diploma or CFE certification.
- Experience with blockchain analytics tools ( Chainalysis) and stablecoin flows.
- Exposure to card scheme rules, chargebacks and Mastercard fraud monitoring programmes.
- Experience supporting regulator examinations or partner bank audits.
- Familiarity with Indian or Philippine payment typologies.
Additional information
🔝 Remote-friendly
👩🏻⚕️ Health Insurance
🎓Training Budget
😎 Team building events
🤩 Growth Opportunities
💰Paid Time Off
