Compliance Specialist (AML)

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