AML Transaction Monitoring Analyst

As an Anti Money Laundering (AML) Transaction Monitoring Analyst you'll be responsible for reviewing and investigating transaction monitoring alerts to identify potentially suspicious activity and support Teya's commitment to preventing financial crime. Working as part of the AML Transaction Monitoring team, this role plays a critical part in ensuring Teya maintains compliance with AML regulations by conducting thorough investigations, documenting findings, and escalating cases where appropriate. You will be comfortable working in a fast‑paced environment, thrive upon challenge, and be flexible to working extended hours subject to business needs.

Key Objectives

• Review and investigate transaction monitoring alerts in a timely manner, ensuring all cases are handled within agreed SLAs and to a high standard of quality.
• Conduct detailed analysis of customer activity, transaction patterns, and associated data to determine whether alerts represent genuine suspicious activity or can be dispositioned as false positives.
• Prepare clear, well‑evidenced case narratives and elevate suspicious activity to the Team Lead or MLRO, supporting the drafting of Suspicious Activity Reports (SARs) where required.
• Identify trends, typologies, and emerging financial crime risks through casework, and share insights with the Team Lead to support the continuous improvement of monitoring rules and detection strategies.
• Collaborate with colleagues across Compliance, Operations, Customer Support, and Product teams to gather information, resolve queries, and contribute to the effective handling of cases.
• Maintain accurate records of investigations and decisions in line with internal procedures and regulatory expectations.
• Keep up to date with AML regulations, financial crime trends, and internal policies to ensure investigations reflect current standards and best practice.

Job Requirements

• A minimum of 2 years of experience in an AML transaction monitoring or financial crime investigation role, ideally within payments and card acquiring.
• Working knowledge of UK and EU AML regulations and an understanding of how they apply to transaction monitoring activity.
• Familiarity with card acquiring and/or e‑money/banking products and the financial crime risks associated with them.
• Strong analytical skills, with the ability to interpret transactional data, identify patterns, and draw well‑reasoned conclusions.
• Excellent written communication skills, with the ability to produce clear, concise, and well‑evidenced case narratives.
• Highly organised with strong attention to detail and the ability to manage a caseload effectively.
• A collaborative team player with good interpersonal skills and a willingness to support colleagues.
• Highly motivated and enthusiastic, thriving in a fast‑paced environment with changing priorities.
• Flexibility to work outside of standard business hours if required.

Desirable

• AML qualifications (e.g. ICA or ACAMS), or working towards certification.
• Experience using transaction monitoring systems and case management tools.
• Exposure to SAR drafting or supporting SAR submissions.

Equal Employment Opportunity Statement

Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all.

Reasonable Adjustments

If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application, we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.