Level 2 Transaction Monitoring Analyst (AML)

Position: Transaction Monitoring Analyst – Level 2Experience Level: 3–5 Years
Industry: Banking / Financial Services / FinTech
Working Arrangement: Onsite | Mid-shift | Keyland Valero, Makati City

Position Summary

We are looking for an experienced Transaction Monitoring Analyst (L2) with 3–5 years of relevant experience in Transaction Monitoring, Enhanced Due Diligence (EDD), KYC/CDD, Anti-Money Laundering (AML), Fraud Analysis, or Financial Crime Investigation.

The role is responsible for conducting in-depth investigations of potentially suspicious transactions and customer activities, performing holistic risk assessments, and providing well-supported recommendations for escalation or case disposition.

Key Responsibilities

• Conduct detailed transaction monitoring investigations involving potentially suspicious or unusual customer activities.
• Perform KYC/CDD and Enhanced Due Diligence (EDD) reviews as part of customer and transaction investigations.
• Analyze customer profiles, transaction patterns, account activity, and other relevant information to identify potential AML, fraud, and financial crime risks.
• Conduct holistic assessments by considering the customer's overall profile, transaction history, behavior, and risk indicators.
• Investigate alerts and cases generated through transaction monitoring systems.
• Determine whether investigated activities require escalation, further review, or closure based on established AML and risk procedures.
• Prepare clear and well-supported escalation recommendations and investigation findings.
• Identify potential indicators of money laundering, fraud, terrorist financing, or other financial crimes.
• Review supporting documentation and available customer information to validate findings.
• Ensure investigations are completed accurately and within established turnaround times and quality standards.
• Maintain detailed and accurate case documentation and investigation narratives.
• Collaborate with Compliance, AML, Fraud, KYC, and other relevant teams when additional investigation or escalation is required.
• Apply company policies, AML regulations, and financial crime risk controls consistently.

Qualifications

• 3–5 years of relevant experience in any of the following:

  • Transaction Monitoring
  • AML / Anti-Money Laundering
  • Enhanced Due Diligence (EDD)
  • KYC / Customer Due Diligence (CDD)
  • Financial Crime Investigation
  • Fraud Investigation / Fraud Analysis
  • Transaction Fraud Analysis

• Must have experience working within the Banking, Financial Services, or FinTech industry.

• Strong understanding of AML/KYC/CDD principles and financial crime risks.

• Proven ability to investigate transactions and identify unusual or suspicious activity.

• Strong analytical and investigative skills with the ability to connect multiple pieces of information and identify patterns.

• Ability to make sound risk-based recommendations and escalation decisions.

• Excellent written communication skills, particularly in preparing investigation findings and case narratives.

• Strong attention to detail and ability to handle sensitive and confidential customer information.

• Ability to work independently and manage multiple investigations or cases.

Preferred Background

Candidates with experience as a:

• Transaction Monitoring Analyst
• AML Analyst
• Financial Crime Analyst
• Fraud Analyst
• Fraud Investigator
• KYC Analyst
• CDD/EDD Analyst
• Compliance Analyst
• Financial Crime Investigator

Industry Requirement

Preferred/Required Industry Experience:

• Banking
• Financial Services
• FinTech
• Digital Banking
• Payments / Financial Technology

Not Preferred:

• POGO-related experience
• eClerx
• Personiv