Transaction Monitoring Analyst

What is our mission?:

Orbital is on an exciting mission to revolutionise global cross-border payments by innovatively combining traditional fiat banking rails with stablecoins over blockchain rails for a variety of use cases. Our class leading B2B payments platform offers multi-currency e-money accounts (corporate IBANs) combined with a suite of digital assets services. Our company sits at the frontier of payments & fintech, by intersecting blockchain and traditional (fiat) financial services, and is leading the way to bridging those two worlds for corporate enterprises globally.

We believe blockchain technology is firmly here to stay, and we want to be the first to bring a combined offering of fiat & crypto payment services under one exciting platform. Learn more about our team and company story here.

What is the purpose of this role in the delivery of our mission?

As a Transaction Monitoring Analyst, you will play a vital role in protecting the integrity of our payments platform by identifying and investigating suspicious activities across fiat and cryptocurrency transactions. Your work will ensure we meet regulatory obligations, prevent financial crime, and support our company’s mission to maintain a secure and trusted environment for our customers and partners.

What are the key responsibilities / activities of the role?

• Transaction Monitoring: Conduct daily monitoring and review of fiat and cryptocurrency transactions to detect unusual or potentially suspicious activity in accordance with internal policies and regulatory requirements.

• Alert Investigation: Investigate transaction monitoring alerts by analysing transactional behaviour, assessing patterns, and determining the legitimacy of flagged activities.

• Suspicious Activity Reporting: Escalate findings and prepare detailed reports, including Suspicious Activity Reports (SARs), ensuring all documentation is accurate and submitted within required timeframes.

• Data Analysis: Analyse transaction data to identify emerging trends, typologies, or unusual patterns that could indicate potential financial crime, including money laundering or fraud.

• Merchant & Customer Review: Conduct reviews of new and existing customers, including merchants, as part of ongoing monitoring efforts; assess transactional behaviour and evaluate financial documentation when necessary.

• System Feedback & Optimization: Contribute to the development and enhancement of transaction monitoring systems by providing feedback on alert quality, system performance, and emerging risks.

• Cross-Team Collaboration: Collaborate with compliance, and MLROs to support investigations, share findings, and ensure a unified approach to identifying and mitigating transaction-related risks.

• Industry and Regulatory Awareness: Stay informed about regulatory updates, financial crime trends, and best practices in transaction monitoring across fiat and cryptocurrency sectors.

• Record Keeping: Maintain detailed, accurate records of investigations, escalations, and decisions in line with internal procedures and regulatory expectations.

• Ad-hoc Support: Provide additional support to the compliance team as needed, including participating in special investigations or project work.

What are the essential skills, qualifications and experience required for the role?

• You have at least 2+ years of professional experience in a similar role, preferably with Banking and FinTech Industries and experience in merchant underwriting and risk with a merchant processor/acquirer, payment facilitator, SaaS provider or fintech company.

• Transaction Monitoring Systems Expertise: Experience working with leading transaction monitoring systems for fiat and cryptocurrency, including:

  • Fiat: SumSub, ComplyAdvantage, Actimize, Verafin, SALV

  • Crypto: Chainalysis, Elliptic

• Analytical & Investigative Skills: Strong ability to analyse transactional data, assess patterns, and identify potential financial crime risks, with the capacity to work efficiently under time-sensitive conditions.

• Regulatory & AML Knowledge: Solid understanding of Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and sanctions regulations, particularly those relevant to both traditional financial services and digital assets.

• Attention to Detail: High level of accuracy and attention to detail when assessing transactions and documenting findings, ensuring compliance with internal and external standards.

• Communication & Reporting: Excellent verbal and written communication skills, with the ability to draft clear, concise reports and present findings to internal teams and stakeholders.

What are the desirable skills, qualifications and experience that would be beneficial for the role?

• Education: Degree in Finance, Economics, Business, or a related field.

• Certifications: CAMS (Certified Anti-Money Laundering Specialist), CFE (Certified Fraud Examiner), or relevant blockchain/crypto certifications.

• Data Analysis Proficiency: Competency in data analysis tools (e.g., Excel, SQL) to support transaction analysis and investigative work.

• Cryptocurrency Knowledge: Familiarity with blockchain technology, cryptocurrency transaction flows, and the financial crime risks associated with digital assets.

• Fraud Detection Experience: Experience in fraud detection or other investigative roles within the financial services or payments industry.

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