Senior Compliance Analyst - Transaction Monitoring

Company background:

TranSwap is an award-winning fintech provider that offers innovative cross-border payment and foreign exchange solutions for businesses, especially small and medium-sized enterprises (SMEs). With a mission to simplify international payments, TranSwap enables companies to send and receive money globally with competitive exchange rates, lower fees, and faster processing times compared to traditional banks.

We are now expanding our Compliance team and seeking 1 Senior Compliance Analyst – Transaction Monitoring to join us in a high-impact, fast-paced environment with cross-border exposure and opportunities for growth.

Roles and Responsibilities

We are looking for a detail-oriented and results-driven Senior Compliance Risk Analyst in Transaction Monitoring with 5 years+ of hands-on experience in Transaction Monitoring, AML/CFT compliance, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) within the FinTech, payments, or financial services sector.

This role plays a pivotal part in detecting and mitigating financial crime risks across various jurisdictions, ensuring full adherence to global and local regulatory standards. You will be instrumental in leading complex investigations, refining monitoring frameworks, and collaborating across teams to foster a robust compliance culture.

• Support Transwap’s compliance efforts across multiple jurisdictions.
• Lead and execute daily and periodic transaction monitoring reviews to detect, investigate, and escalate suspicious activity in accordance with internal policies and regulatory expectations.
• Utilise the AML monitoring systems to conduct ongoing reviews of customer transactions and identify potential suspicious activities.
• Conduct end-to-end investigations of unusual transactions and draft high-quality STRs/SARs for timely submission to senior management.
• Perform ongoing reviews and optimization of transaction monitoring rules, thresholds, and typologies to ensure effectiveness and reduce false positives.
• Collaborate with analytics/IT teams to improve compliance system logic and scenario tuning.
• Maintain accurate and up-to-date records of AML-related activities, including transaction reviews, investigations, and SAR filings.
• Methodical and a strong analytical mindset with strong attention to detail, report writing and documenting outcomes of investigations

• Conduct enhanced due diligence and/or periodical reviews on high-risk customers and ensure compliance with Know Your Business (KYB) requirements.
• Work closely with KYC teams to ensure robust execution of onboarding, periodic reviews, and event-driven reviews in line with regulatory requirements and internal risk appetite.
• Provide second-line review and quality assurance for high-risk clients, complex ownership structures, and cases requiring EDD.
• Escalate adverse findings, PEP/sanction hits, or high ML/TF risk indicators for management review.

• Follow policies and procedures to ensure compliance with regulations, including but not limited to Anti-Money Laundering (AML) and Know Your Business (KYB)
• Contribute to AML/CFT risk assessments, customer risk rating models, and enterprise-wide ML/TF risk evaluations.
• Assist in the improvement and continual enhancement of compliance policies, SOPs, guidance documents, and training content.

• Support internal and external compliance audits, regulatory inspections, and control testing programs.
• Maintain proper documentation and ensure evidence of effective monitoring and mitigation is available for examination.
• Stay up to date on key global and regional regulatory changes and proactively recommend necessary control enhancements.
• Participate in initiatives to improve compliance tools, system automation, and data analytics capabilities.

• High integrity, sound judgment, and unwavering ethical standards.
• Analytical mindset with strong critical thinking and problem-solving skills surrounding Compliance and Risk.
• Proactive and able to work both independently and as part of a cross-functional team.
• Strong interpersonal and communication skills, with the ability to collaborate effectively with stakeholders at all levels.
• A passion for financial crime prevention, innovation in compliance, and continuous learning.
• Have deep understanding of financial institutions, payments, money service businesses, and/or banking compliance, including knowledge of AML/CTF and data protection.
• Excellent analytical and problem-solving skills, with the ability to effectively manage and prioritise multiple tasks.
• Possess a “getting-things-done” mindset and demonstrate a strong work ethic as well as a high degree of integrity

• 5 years and above of relevant experience in AML/CFT compliance, EDD, and transaction monitoring within FinTech, payments, or banking.
• Deep familiarity with AML/CFT laws and guidelines, particularly
• MAS Notice 626, FATF Recommendations, HKMA AML Guidelines, OJK Regulation No. 12/POJK.01/2017, and FCA Handbook (SYSC, AML)

1. Demonstrated proficiency in the following.

• STR/SAR reporting
• Sanctions and PEP screening
• Using monitoring and onboarding systems (e.g., Actimize, Sumsub, SAS, ComplyAdvantage, Dow Jones, WorldCheck).

1. Professional certification is a plus, such as:

• CAMS, ICA Diploma in AML, Advanced AML Certification, or Goco.