Analyst I, Transaction Monitoring and Screening

Company Description

We’re Checkout.com – you might not know our name, but companies like eBay, ASOS, Klarna, Uber Eats, and Sony do. That moment when you check out online? We make it happen.

Checkout.com is where the world checks out. Our global network powers billions of transactions every year, making money move without making a fuss. We spent years perfecting a service most people will never notice. Because when digital payments just work, businesses grow, customers stay, and no one stops to think about why.

With 19 offices spanning six continents, we feel at home everywhere – but London is our HQ. Wherever our people work their magic, they’re fast-moving, performance-obsessed, and driven by being better every day. Ideal. Because a role here isn’t just another job; it’s a career-defining opportunity to build the future of fintech.

Job Description

An AML Monitoring analyst is responsible to execute the day to day operations based on the relevant policies and processes, with a view to mitigate AML risk through review of merchant activity monitoring. IIn this role, you will be responsible for reviewing generated alerts on a rule based system, performing analysis, liaising with internal/external stakeholders with the results of your findings and documenting the results of your investigation on the tool as well as reaching our to the merchant to request information. You will also identify any potential fraud and money-laundering risks, draft suspicious activity reports for your investigation in line with regulatory expectations.

What your responsibilities will be:

• Work with internal stakeholders to identify anomalous behavior by monitoring merchant transactions and performing necessary due diligence.

• Thoroughly investigate and analyze alerts flagged by the transaction monitoring system. This involves reviewing transaction details, customer information, and any associated documentation.

• Conduct deep-dive research using internal systems, open-source intelligence (OSINT), and third-party databases to gather additional information.

• Demonstrate a proficient understanding of AML requirements and due diligence procedures to ensure compliance with regulatory standards.

• Perform background checks on merchants, leveraging internal tools and external resources to assess merchants’ businesses.

• Strictly follow the organization's policies and procedures regarding sanctions screening, transaction monitoring, alert management, and reporting.

• Responsible for ensuring record keeping of Checkout.com’s customer database remains up to date.

• Able to think quickly and apply critical thinking, showcasing strong problem-solving abilities

• Suggest innovative ideas/ feedback to enhance the process and infrastructure, striving for continuous improvement in AML compliance operations.

What you will need to be successful (skills and competencies):

• Bachelor’s degree or equivalent, with a minimum of 1-3 years of experience in similar roles.

• Focused on structured processes, consistently striving for streamlined approach to drive efficiency in Compliance operations

• Skilled at working collaboratively and effectively communicating, positively influencing team members across various departments.

• Capable of adjusting to rapid-paced and agile settings, prepared to operate within demanding timelines and schedules.

• Proficient in English (additional fluency in Mandarin, Japanese, or French is a plus).

• Ideally experienced in dealing with global AML requirements and experience in transaction monitoring

• Knowledge / experience in the payment processing industry and/or e-commerce landscape is beneficial.

• Demonstrates acute attention to detail.

Experience you will bring to the role:

• As an Analyst you are expected to perform relevant analyses and conduct investigations for suspicious activity and review the alerts within the prescribed Service Level Agreement (“ SLA”).

• As a Compliance Operations analyst, you may be expected to review the customers’ policies and procedures and perform their assessment to ensure compliance with the relevant regulations.

• You should possess strong verbal and written communication skills to document and articulate the requirements in a clear and concise manner to the stakeholders and customers.

• You must have a solution-driven approach with exemplary investigative and critical thinking skills.

• You must also be detail-oriented multi-taskers who can work independently with little supervision, at the same time have good decision making, time management and organisational skills.

Bring all of you to work

We create the conditions for high performers to thrive – through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity – and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life at Checkout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram