AML Transaction Monitoring Analyst - ENGLISH
工作描述
Role Overview
The AML/ Transaction Monitoring Analyst plays a key role in the prevention and detection of financial crime through proactive transaction monitoring and investigative analysis. The role covers both Consumer and Partner business segments, involving end-to-end case handling - from initial alert review to disposition, escalation, and preparation of Suspicious Activity Reports (SARs)- ensuring full compliance with internal policies and global AML regulations.
This is not a KYC/Onboarding role; Candidates must demonstrate hands-on experience in transactional monitoring analysis, alert investigations and case documentation within an AML operations environment, having worked for financial institutions in Europe.
Key Responsibilities
Review and analyze transactional activity triggered by automated monitoring systems or manual referrals to identify patterns indicative of potential money laundering, fraud, or terrorist financing.
Conduct end-to-end AML case investigations — gathering data, performing transactional analysis, corroborating findings through public and internal sources, and recommending disposition (e.g., escalation, closure, or SAR filing).
Prepare high-quality case narratives and supporting documentation for internal escalation or submission of Suspicious Activity Reports (SARs) in accordance with regulatory timelines and internal quality standards.
Perform background checks and contextual research on counterparties and entities linked to alerts, using both public and subscription databases (e.g., , LexisNexis).
Maintain clear audit trails and ensure all investigative steps, conclusions, and rationales are accurately captured in case management systems.
Collaborate with Quality Control and Quality Assurance to ensure investigations meet internal policies, procedures and regulatory expectations.
Participate in periodic refresh reviews and identify new red flags or typologies through ongoing analysis of customer behavior.
Proactively identify process improvements and suggest control enhancements to strengthen AML detection and reporting capabilities.
职位要求
Qualifications
- Education: Bachelor’s degree in Finance, Economics, Business, Law, or related field.
- Language: Minimum English C1
Experience
- Experience working for financial services client(s), with a minimum of one year of relevant experience in specifically Transaction Monitoring (handling of TM Alerts).
- Demonstrated exposure to AML, TM, E2E investigation and SAR/STR preparation is required.
Skills
- Verbally strong enough to discuss cases in ENGLISH with stakeholders
- Strong analytical and investigative mindset with the ability to interpret large transactional datasets.
- Excellent drafting and case-writing skills, with emphasis on concise and factual narratives.
- Sound understanding of AML / TM regulations, typologies, and red-flag indicators.
- High attention to detail, organization, and accountability in documentation.
- Risk-based mind-set, understanding that TM is not a ‘check-the-box’ exercise.
Certifications
- At least one of the following certifications: ICA certifications in AML, Financial Crime, or Compliance and/or CAMS (Certified Anti-Money Laundering Specialist)
You must possess a valid work permit or residency for Portugal and/or citizenship of a European Union or Schengen Area country.
You must apply with an English CV
What We Offer
- Health insurance
- Life Insurance and Pension Plan Programs
- Free medical services at the office (Physician, Nutritionist, Psychologist)
- Wellness programs
- Flexben Program (Support for Education, Kindergarden, Training, Technology, Health)
- Employee Share Purchase Plan
- Personalized training paths and access to Udemy and Plurisight Plataforms
- Flex-ability program (financial and flexible support for people with disabilities)
- Special banking conditions
