Transaction Monitoring Associate, EMEA

About Airwallex
Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 200,000 businesses worldwide - including Brex, Rippling, Navan, Qantas, SHEIN and many more - with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale.
Proudly founded in Melbourne, we have a team of over 2,000 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is leading the charge in building the global payments and financial platform of the future. If you're ready to do the most ambitious work of your career, join us.
Attributes We Value
We hire successful builders with founder-like energy who want real impact, accelerated learning, and true ownership. You bring strong role-related expertise and sharp thinking, and you're motivated by our mission and operating principles. You move fast with good judgment, dig deep with curiosity, and make decisions from first principles, balancing speed and rigor.
You're humble and collaborative; turn zero-to-one ideas into real products, and you "get stuff done" end-to-end. You use AI to work smarter and solve problems faster. Here, you'll tackle complex, high-visibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, let's build what's next.
Responsibilities:

• Review Transaction Monitoring alerts across Payouts, Deposits and Issuing domains, in a timely manner to clear or escalate, according to our pre-defined TM Procedures
• Perform end-to-end financial crime investigations, including fund-flow analysis, client business information reviews, adverse-media checks and other sources.
• Participate in various AML-related projects and initiatives to help drive operational excellence, and overall efficiency, and product improvements
• Proactively stay up-to-date with AML-related news and regulatory developments, improve the knowledge base of AML and sanctions within the team and assist with the development of in-house expertise
• Act as SME for Internal stakeholders across Ops, Product, Commercial and Compliance, providing guidance and advice on Transaction Monitoring themes
• Lead a small Quad, own the performance (utilisation and SLAs) metrics as well as performing QA reviews and coaching analysts
• Complete other work related to transaction monitoring operations or assigned by the Transaction Monitoring Lead

Requirements:

• Bachelor's degree with 3 - 5 years of relevant AML and sanctions experience in fintech, financial services, litigation or regulatory environment
• Strong knowledge of typical AML/CTF/sanctions frameworks (e.g. OFAC), ML/TF typologies and risk-based transaction & account monitoring and card scheme regulations
• Proven hands-on experience in alert clearing, holistic reviews, RFIs, escalations to MLRO/FCC and/or SAR/UAR support.
• Experience with process improvement initiatives (e.g. KYC/CDD), and policy & procedure development (e.g. list maintenance, STR/STR-equivalent drafting or review).
• Strong operational discipline, comfortable managing queues, utilisation, SLAs and QA standards.
• Excellent written and verbal communication, able to explain complex TM decisions to both technical and non-technical stakeholders.
• High level of judgement and integrity, with a clear sense of when to decide independently vs escalate in sensitive cases.
• Experience leading or mentoring a small team or workstream (e.g. acting senior, buddying, or leading a small squad) is strongly preferred.
• Strong data-analytical skills, including but not limited to advanced Google Sheets/Scripts, case-management tools, and SQL, are a plus (not required).
• Additional plus: exposure to international, regional and local regulatory requirements and AML / OFAC risk assessment.

Applicant Safety Policy: Fraud and Third-Party Recruiters
To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page.
Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary.
Equal opportunity
Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don't regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.