Aml transaction monitoring analyst - english

Descrição

Role Overview

The AML/ Transaction Monitoring Analyst plays a key role in the prevention and detection of financial crime through proactive transaction monitoring and investigative analysis. The role covers both Consumer and Partner business segments, involving end-to-end case handling - from initial alert review to disposition, escalation, and preparation of Suspicious Activity Reports (SARs)- ensuring full compliance with internal policies and global AML regulations.

This is not a KYC/Onboarding role; Candidates must demonstrate hands-on experience in transactional monitoring analysis, alert investigations and case documentation within an AML operations environment, having worked for financial institutions in Europe.

Key Responsibilities

• Review and analyze transactional activity triggered by automated monitoring systems or manual referrals to identify patterns indicative of potential money laundering, fraud, or terrorist financing.
• Conduct end-to-end AML case investigations — gathering data, performing transactional analysis, corroborating findings through public and internal sources, and recommending disposition (e.g., escalation, closure, or SAR filing).
• Prepare high-quality case narratives and supporting documentation for internal escalation or submission of Suspicious Activity Reports (SARs) in accordance with regulatory timelines and internal quality standards.
• Perform background checks and contextual research on counterparties and entities linked to alerts, using both public and subscription databases (e.g., LexisNexis).
• Maintain clear audit trails and ensure all investigative steps, conclusions, and rationales are accurately captured in case management systems.
• Collaborate with Quality Control and Quality Assurance to ensure investigations meet internal policies, procedures and regulatory expectations.
• Participate in periodic refresh reviews and identify new red flags or typologies through ongoing analysis of customer behavior.
• Proactively identify process improvements and suggest control enhancements to strengthen AML detection and reporting capabilities.

Requisitos

Qualifications

• Education: Bachelor’s degree in Finance, Economics, Business, Law, or related field.
• Language: Minimum English C1

Experience

• Experience working for financial services client(s), with a minimum of one year of relevant experience in specifically Transaction Monitoring (handling of TM Alerts).
• Demonstrated exposure to AML, TM, E2E investigation and SAR/STR preparation is required.

Skills

• Verbally strong enough to discuss cases in ENGLISH with stakeholders.
• Strong analytical and investigative mindset with the ability to interpret large transactional datasets.
• Excellent drafting and case-writing skills, with emphasis on concise and factual narratives.
• Sound understanding of AML / TM regulations, typologies, and red-flag indicators.
• High attention to detail, organization, and accountability in documentation.
• Risk-based mind-set, understanding that TM is not a ‘check-the-box’ exercise.

Certifications

• At least one of the following certifications: ICA certifications in AML, Financial Crime, or Compliance and/or CAMS (Certified Anti-Money Laundering Specialist).

You must possess a valid work permit or residency for Portugal and/or citizenship of a European Union or Schengen Area country.

You must apply with an English CV.

What We Offer

• Health insurance
• Life Insurance and Pension Plan Programs
• Free medical services at the office (Physician, Nutritionist, Psychologist)
• Wellness programs
• Flexben Program (Support for Education, Kindergarten, Training, Technology, Health)
• Employee Share Purchase Plan
• Personalized training paths and access to Udemy and Pluralsight Platforms
• Flex-ability program (financial and flexible support for people with disabilities)
• Special banking conditions