AML Onboarding

AML Onboarding & Transaction Monitoring Analyst Get AI-powered advice on this job and more exclusive features. Direct message the job poster from Flexisource IT Connecting top-notch professionals to endless possibilities. About the Client: A leading Australian fintech focused on solving complex payment problems in industries underserved by traditional providers. Specializing in providing end-to-end payment solutions for the travel industry, it enables customers to collect and send funds via a unified platform, offering services such as card acquiring, real-time bank transfers, virtual cards, and fraud mitigation solutions. Be part of a high-growth organization that thrives on innovation and agility, where you’ll contribute to our leadership as a market-leading travel-focused fintech across Australia and New Zealand. You’ll help drive the international vision as it expand into the United Kingdom and new markets, all while collaborating within a collegiate, team-oriented culture that values genuine connections and mutual support. In this dynamic and personable environment, your ideas will be heard, your achievements celebrated, and your career path defined by real opportunity. About the Role: Own the day-to-day KYC/KYB onboarding, transaction monitoring, and post-compliance activation checks for Mint’s UK (initially) then AU/NZ business, delivering clean customer files, crisp risk narratives, documented processes, and timely handovers to in-house approvers. Note: This position will cover UK Time zone. Key Responsibilities: Collect, review and verify customer documentation (KYB/KYC/UBO) against Mint onboarding standards. Perform sanctions, PEP & adverse media checks and maintain risk scoring. Trigger EDD when required and prepare clear supporting rationales. Build complete audit-ready files with structured decision logs. Maintain accurate data across FirstAML, HubSpot, and internal onboarding trackers. Transaction Monitoring & Investigations Action daily transaction alerts, analyse contextual risk signals, and determine disposition. Draft concise, regulatory-standard investigation narratives. Prepare escalation summaries for submission to Mint's MLRO (UK SAR, AU SMR, NZ SAR drafts – final submission retained by MLRO). Identify typologies and recommend rule tuning to reduce false positives. Activation & Post-Compliance Support end-to-end customer onboarding beyond approval, including: Internal account setup in Mint systems and product configuration Coordination of missing documentation and account activation readiness. Contract send-outs (DocuSign/HubSpot) and checklist completion. Ensure a smooth handoff from compliance approval ➝ merchant activation. Processes, SOPs & Quality Own and document onboarding workflows, SOPs and quality standards. Maintain risk playbooks and update procedures as regulations evolve. Build repeatable processes to scale Mint’s onboarding into a “follow-the-sun” model. Own weekly reporting on SLA performance, volumes, EDD cases, alert outcomes & operational risks. Support internal QA, audits, and regulatory readiness. What You’ll Need: 2–4+ years of AML/KYC/KYB and/or Transaction Monitoring experience (ideally fintech, PSP, or BPO risk operations). Solid understanding of onboarding and AML frameworks (CDD/EDD, risk scoring, sanctions). Experience reviewing business models and risk factors for higher-risk industries. Strong written English and risk documentation skills. Comfortable working with screening/AML tools (e.g., FirstAML, ComplyAdvantage). High attention to detail and disciplined with process/checklists. Experience following SLAs, case queues and structured workflows. Nice to Have: Experience in payments, travel, or financial services onboarding. Background with UK market AML/reg expectations (NCA SAR exposure ideal). Familiarity with HubSpot, Centrix (NZ), Excel/Sheets. Experience in building SOPs/workflow documentation. KPIs/ SLAs: TM Alerts: Same-day triage; high-risk alerts escalated within 8 hours Activation: 100% completed checklists and clean handoff to merchant setup Governance: Zero critical audit findings; no missing documentation Ways of Working: Work as part of a global follow-the-sun model. UK hours coverage with structured handovers to AU/NZ teams. Strict GDPR/UK-GDPR, AU Privacy Act, and NZ Privacy Act compliance. Maintain privacy and secure data handling at all times. #J-18808-Ljbffr