Company Overview

The organization operates within the fintech and digital financial services industry, delivering technology-enabled financial products and services that support secure digital transactions and reliable financial operations.

Its business environment requires effective financial crime prevention, transaction oversight, and operational controls to protect customers and maintain the integrity of financial services. The organization combines technology, analytical capabilities, and financial compliance expertise to strengthen transaction monitoring and risk management processes.

Its remote workforce includes professionals specializing in compliance, fraud prevention, financial analysis, transaction monitoring, and financial technology operations.

Role Summary

The Financial Crime Transaction Monitoring Specialist will support the identification, investigation, and escalation of suspicious financial activities across digital payment platforms and financial services.

The position focuses on reviewing transaction monitoring alerts, identifying unusual transaction patterns, conducting financial activity investigations, and maintaining accurate case documentation.

The successful candidate will work closely with compliance, fraud prevention, customer operations, and risk management teams to strengthen financial crime controls and improve the effectiveness of transaction monitoring processes.

This role requires practical knowledge of anti-money laundering principles, transaction monitoring methodologies, and customer risk assessment. The ideal candidate will possess strong investigative skills and the ability to analyze complex financial activity with accuracy and professional judgment.

Key Responsibilities

• Review transaction monitoring alerts generated across digital payment platforms and financial accounts.

• Investigate unusual financial activities, suspicious transaction patterns, and potentially high-risk customer behavior.

• Conduct detailed reviews of transaction histories, customer profiles, account activity, and relevant supporting documentation.

• Identify potential indicators of money laundering, terrorist financing, fraud, and other financial crime risks.

• Assess transaction activity against established monitoring scenarios, internal risk policies, and applicable regulatory requirements.

• Prepare investigation summaries and document findings, supporting evidence, and recommended actions.

• Escalate potentially suspicious activities to appropriate compliance personnel in accordance with internal procedures.

• Support the review and refinement of transaction monitoring rules and alert thresholds.

• Collaborate with data analytics teams to identify monitoring gaps and improve detection effectiveness.

• Perform periodic reviews of customer activity to identify changes in transaction behavior and risk exposure.

• Maintain accurate investigation records and ensure that case documentation meets internal quality standards.

• Support internal compliance reviews and regulatory examination preparation.

• Identify recurring financial crime patterns and contribute to improvements in monitoring procedures.

• Maintain awareness of relevant European financial crime prevention requirements and emerging typologies.

Requirements and Qualifications

• Bachelor’s degree in Law, Finance, Accounting, Economics, Criminology, or a related discipline.

• At least three years of experience in AML, transaction monitoring, financial crime investigation, or compliance operations.

• Strong understanding of anti-money laundering principles and suspicious transaction indicators.

• Experience reviewing transaction monitoring alerts and conducting financial activity investigations.

• Familiarity with customer due diligence, enhanced due diligence, and customer risk assessment.

• Understanding of European financial crime prevention requirements and relevant regulatory frameworks.

• Experience working with AML monitoring platforms or compliance case management systems.

• Strong analytical, investigative, and report-writing skills.

• Excellent attention to detail and ability to manage confidential information.

• Ability to assess complex financial activity and make evidence-based recommendations.

• Professional communication and stakeholder coordination skills.

• ACAMS, ICA, or comparable compliance qualifications are advantageous.

Benefits

• Remote working opportunity within Estonia.

• Competitive compensation based on professional experience and qualifications.

• Opportunity to contribute to financial crime prevention within digital financial services.

• Continuous professional development in AML, compliance, and regulatory technology.

• Exposure to modern transaction monitoring systems and financial crime analytics.

• Collaborative environment involving compliance, risk, and financial technology professionals.

• Access to digital tools and systems supporting remote working.

Application Instructions

Candidates should submit an updated CV outlining their experience in AML, transaction monitoring, financial crime investigations, and compliance operations.

Applications should highlight relevant investigative experience, familiarity with monitoring systems, and knowledge of financial crime prevention requirements. Candidates with experience supporting fintech platforms, payment institutions, or digital banking services are encouraged to apply.

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

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