Transaction Monitoring Analyst (AML / Financial Crime Investigations)

Finom is growing fast, and our Transaction Monitoring team is growing with it. We're looking for an experienced AML analyst to join us and help protect Finom and our customers from financial crime.

In this role, you'll review transaction monitoring alerts, work out why an alert triggered on an account, and investigate potentially suspicious activity. You'll then decide whether the behaviour is genuinely suspicious and whether it warrants a SAR filing or offboarding the customer. Your judgement is the heart of the job.

This is an investigations role, not a box-ticking one. After a structured ramp-up period, you'll make most decisions on your own and manage your own workload. Alongside your core queue work, you'll have chances to contribute to projects that improve how the team works, from process improvements to automation and AI-enabled workflows.

You'll join a team that is at the cutting edge of AML operations technology. Over time, you can take on broader responsibilities and move into more senior roles. Finom is constantly evolving, and people who do well here find that opportunities come quickly.

What You Will Be Doing

• Review and investigate transaction monitoring alerts, understanding what triggered each one and what the account activity tells you

• Assess whether the behaviour is suspicious and decide on the right outcome, including SAR filing and/or customer offboarding

• Escalate cases to Second Line of Defence (2LOD) during your ramp-up period, and then make more independent decisions as your experience with our processes grows

• Manage your own productivity and meet your quality and productivity targets, taking initiative to keep the queue moving

• Contribute to team and department projects as your experience grows, including process improvements, automation and AI initiatives

• Over time, take on additional responsibilities, such as reviewing alerts on accounts flagged by Sales or Account Management and handling JIRA escalations from other teams

• Work with colleagues across product, legal and compliance, and help make sure our approach balances regulatory compliance with a good customer experience

What your first months look like: The first two weeks cover Finom onboarding and Transaction Monitoring training. We expect you to be fully meeting your productivity and QA targets by around three months.

What you bring

• You have at least two years of experience as an AML or fraud analyst in an anti-financial crime operations team

• You have a solid grasp of AML typologies and concepts that goes beyond "how we did it at my last company". You understand the bigger picture of financial crime and why controls exist

• You've worked in a fast-paced, high-volume operations environment and you thrive in it

• You can take ownership: you manage your own workload, make sound decisions with the information you have, and keep going without needing constant direction

• You're comfortable with change. Our processes and priorities evolve as we grow, and you see that as an opportunity

• You communicate clearly in writing, and can explain your reasoning for a decision so that others can follow and review it

Nice to Have

• Experience using AI in your personal or professional life, especially if you've built it into your own workflows. We're keen to hear how you've used it

• Experience coordinating with other teams, such as product, legal and compliance

• Experience in a fintech, payments, crypto or similar fast-moving financial services environment

Why Join Finom

• Real room to grow. Strong performers can move into different or more senior roles after their first year, and your scope grows with your skills

• Technology that matters. You'll work at the cutting edge of AML operations, including automation and AI, and you'll have the chance to shape how it's used

• A balanced approach to risk. We take compliance seriously, and we also care about our customers' experience, so you'll make decisions that weigh both. If you want to see the impact of your judgement, you'll like it here

• A team that values initiative. We trust people to own their work, and we reward those who do

We welcome applications from people of all backgrounds, and we encourage you to apply even if you don't tick every box.

The Interview Process

• 30 min Screening Call with our Recruiter 

• 45-minute interview with one of our Team Leads

• Case Study + 1 hour Panel Interview with the Team 

• 20 min Final Interview with our Team Manager