Senior AML Analyst

🔥 6 hours ago

🇱🇹 Lithuania – Remote

💵 €2.7k - €3.3k / month

⏰ Full Time

🟠 Senior

🚨 AML and Financial Crime

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Zilch

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2018

💳 Fintech

👥 B2C

🛍️ eCommerce

Fintech • B2C • eCommerce

Zilch is a consumer-focused buy-now-pay-later (BNPL) fintech. It provides an app and checkout payment options that let shoppers split online purchases into instalments (options include paying 25% or 50% upfront and the remainder in three payments over six weeks, with payments every 14 days). Zilch advertises thousands of online stores with zero fees (a fee up to $3 may apply for some purchases over $10), instant 2% rewards on purchases, and consumer protections such as multi-factor verification, data encryption, and payment authentication. The company operates in the UK and US (Zilch USA Inc. partners with Cross River Bank for loans and payment options) and emphasizes responsible lending, tailored spending limits that grow over time, and in-app payment management.

📋 Description

• Independently investigate complex and escalated Transaction Monitoring alerts • Analyse customer behaviour, transaction history, KYC information and other evidence • Make risk-based decisions to close, investigate further or escalate cases • Act as a senior escalation point for higher-risk and complex AML investigations reviewed by the outsourced BPO partner • Produce documented, evidence-based investigation rationales • Prepare internal Suspicious Activity Reports and supporting evidence for Compliance and the MLRO • Work with Compliance on suspicious activity investigations • Support law enforcement and authorised information requests • Support ongoing customer monitoring • Investigate escalations involving PEPs, sanctions, adverse information and higher-risk customers • Support Enhanced Due Diligence, including Source of Funds and Source of Wealth reviews • Provide quality assurance and calibration for outsourced AML investigations • Improve AML procedures, guidance, escalation criteria and playbooks • Identify emerging money laundering and Financial Crime trends and typologies • Provide feedback on Transaction Monitoring alerts and scenarios • Partner with Fraud Operations, Compliance, Risk, Product, Data and other teams • Monitor alert volumes, ageing and investigation outcomes • Support audits, assurance activity and operational reviews • Identify opportunities to improve the effectiveness, efficiency and scalability of Financial Crime processes • Report directly to the Fraud Operations Director and work closely with Compliance and the MLRO

🎯 Requirements

• Strong hands-on experience in AML, Transaction Monitoring or Financial Crime investigations, ideally within fintech, payments, banking, consumer lending or another regulated financial-services environment • Practical experience independently investigating complex Transaction Monitoring alerts and unusual customer activity • Strong understanding of money laundering, terrorist financing and wider Financial Crime typologies, red flags and investigative techniques • Experience preparing internal suspicious activity referrals or SARs, with the ability to produce clear and well-evidenced investigation narratives • Confidence making independent, judgement-based decisions and taking ownership of complex cases • Fluent written and spoken English • Strong analytical and investigative skills • Excellent attention to detail and ability to identify broader patterns, risks and typologies • Comfortable working autonomously and knowing when an issue requires escalation • Proactive mindset and confidence identifying gaps and suggesting improvements • Strong stakeholder-management skills and ability to work across Operations, Compliance and other specialist teams • Comfortable operating in a fast-moving, high-growth environment • Good understanding of the UK AML and Financial Crime environment • Experience quality-assuring or calibrating outsourced AML work • Experience supporting Transaction Monitoring rule or scenario effectiveness • Practical experience with PEP, sanctions, adverse media, KYC/CDD, EDD or ongoing customer monitoring • Experience supporting law enforcement or regulatory information requests • Experience conducting Source of Funds or Source of Wealth investigations • Experience using data or BI tools • SQL, Looker or similar data-analysis experience • ICA, ACAMS or equivalent AML / Financial Crime qualification (bonus)

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