Company Overview

The organization operates within the fintech and digital financial services industry, supporting financial platforms that facilitate electronic payments, account transactions, money transfers, and other technology-enabled financial activities.

Its business environment requires accurate transaction monitoring, effective operational controls, and reliable systems for identifying unusual financial activity.

The organization is strengthening its transaction monitoring capabilities and seeks an analytical professional who can support the review of financial transactions, investigate unusual activity, and contribute to improvements in transaction monitoring processes.

Role Summary

The Digital Transaction Monitoring Analyst will review financial transaction activities to identify unusual patterns, processing irregularities, and potential indicators of financial risk.

The position involves analyzing transaction data, reviewing monitoring alerts, documenting investigation findings, and escalating relevant cases in accordance with established internal procedures.

The successful candidate will work closely with financial crime, compliance, fraud prevention, and payment operations teams to support effective monitoring across digital financial services.

This role requires strong analytical capabilities, attention to detail, and an understanding of financial transaction behaviour and monitoring technologies.

Key Responsibilities

• Monitor financial transaction activities across digital payment platforms and financial applications.

• Review transaction monitoring alerts and investigate unusual transaction patterns.

• Analyze transaction volumes, values, frequencies, and customer activity for potential irregularities.

• Identify suspicious transaction behaviour and escalate relevant findings to appropriate compliance teams.

• Examine transaction histories and supporting records to establish the nature of unusual activity.

• Support the development and refinement of transaction monitoring procedures.

• Review monitoring system outputs to identify false positives and potential gaps in detection processes.

• Maintain accurate records of investigations, alert reviews, and escalation decisions.

• Collaborate with fraud prevention and AML teams on cases involving potential financial crime risks.

• Analyze transaction trends and prepare periodic monitoring reports.

• Support quality assurance reviews of transaction monitoring activities.

• Identify opportunities to improve alert handling, investigation workflows, and monitoring efficiency.

• Work with technology teams to investigate system issues affecting transaction monitoring.

• Assist with the testing and implementation of updated monitoring rules and detection parameters.

• Maintain awareness of emerging financial transaction risks and relevant industry developments.

• Ensure that monitoring activities follow internal procedures and applicable regulatory requirements.

Requirements and Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Statistics, Business Administration, or a related discipline.

• At least three years of experience in transaction monitoring, financial crime operations, fraud analysis, or financial services risk.

• Understanding of electronic payment transactions and digital financial service workflows.

• Experience reviewing financial transaction records and investigating unusual activity.

• Familiarity with transaction monitoring systems and financial crime prevention processes.

• Knowledge of AML principles, fraud indicators, and customer due diligence procedures.

• Strong analytical skills and the ability to interpret transaction data.

• Familiarity with Excel, SQL, or business intelligence tools is advantageous.

• Experience preparing investigation reports and maintaining case documentation.

• Strong attention to detail and sound professional judgment.

• Ability to handle confidential financial information responsibly.

• Effective communication and collaboration skills.

• Professional proficiency in English.

Benefits

• Fully remote working arrangement within Estonia.

• Competitive compensation based on experience and professional qualifications.

• Opportunity to work within financial crime prevention and fintech risk operations.

• Professional development in transaction monitoring, fraud analytics, and financial compliance.

• Exposure to modern payment platforms and financial monitoring technologies.

• Collaborative working environment involving compliance, risk, fraud, and technology professionals.

• Opportunity to contribute to stronger financial controls and safer digital financial services.

Application Instructions

Interested candidates should submit an updated CV highlighting their experience in transaction monitoring, financial crime analysis, fraud prevention, or financial services risk operations.

Applications should demonstrate practical experience reviewing financial transactions, investigating unusual activity, handling monitoring alerts, and preparing investigation reports.

Candidates are encouraged to describe previous monitoring or investigation projects and explain how their analytical contributions improved detection processes, operational controls, or financial risk management.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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