Senior AML Analyst

This is a fully remote position, open to applicants in Lithuania.

📋 Description

• Conduct independent investigations into complex and escalated Transaction Monitoring alerts.

• Assess customer behavior, transaction history, KYC data, and other relevant evidence.

• Make risk-based decisions regarding the closure, further investigation, or escalation of cases.

• Serve as a senior escalation point for high-risk and complex AML investigations reviewed by the outsourced BPO partner.

• Create documented, evidence-based rationales for investigations.

• Prepare internal Suspicious Activity Reports and supporting documentation for Compliance and the MLRO.

• Collaborate with Compliance on investigations of suspicious activities.

• Assist law enforcement and authorized information requests.

• Aid in ongoing customer monitoring efforts.

• Investigate escalations involving PEPs, sanctions, adverse information, and higher-risk customers.

• Support Enhanced Due Diligence, including reviews of Source of Funds and Source of Wealth.

• Provide quality assurance and calibration for outsourced AML investigations.

• Enhance AML procedures, guidelines, escalation criteria, and playbooks.

• Identify emerging trends and typologies in money laundering and Financial Crime.

• Offer feedback on Transaction Monitoring alerts and scenarios.

• Collaborate with Fraud Operations, Compliance, Risk, Product, Data, and other departments.

• Monitor alert volumes, aging, and investigation outcomes.

• Support audits, assurance activities, and operational reviews.

• Identify opportunities to enhance the effectiveness, efficiency, and scalability of Financial Crime processes.

• Report directly to the Fraud Operations Director and work closely with Compliance and the MLRO.

⛳️ Requirements

• Extensive hands-on experience in AML, Transaction Monitoring, or Financial Crime investigations, preferably within fintech, payments, banking, consumer lending, or another regulated financial services setting.

• Proven experience in independently investigating complex Transaction Monitoring alerts and unusual customer activities.

• Strong knowledge of money laundering, terrorist financing, and broader Financial Crime typologies, red flags, and investigative techniques.

• Experience in preparing internal suspicious activity referrals or SARs, with the ability to create clear and well-supported investigation narratives.

• Confidence in making independent, judgment-based decisions and taking ownership of complex cases.

• Proficient in written and spoken English.

• Strong analytical and investigative abilities.

• Excellent attention to detail and an aptitude for identifying broader patterns, risks, and typologies.

• Comfortable working independently and discerning when an issue requires escalation.

• Proactive mindset with the ability to identify gaps and propose enhancements.

• Strong stakeholder management skills and capability to work across Operations, Compliance, and other specialized teams.

• Adaptable to working in a fast-paced, high-growth environment.

• Good understanding of the UK AML and Financial Crime landscape.

• Experience in quality assurance or calibration of outsourced AML work.

• Experience in supporting the effectiveness of Transaction Monitoring rules or scenarios.

• Practical experience with PEPs, sanctions, adverse media, KYC/CDD, EDD, or ongoing customer monitoring.

• Experience in assisting law enforcement or regulatory information requests.

• Experience in conducting Source of Funds or Source of Wealth investigations.

• Proficient in the use of data or BI tools.

• Experience with SQL, Looker, or similar data-analysis tools.

• ICA, ACAMS, or equivalent AML/Financial Crime qualification (preferred).

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Opportunities for professional growth and development.

• Comprehensive health and wellness benefits.

• Flexible working arrangements and a supportive team environment.