At a Glance
- Tasks: Monitor merchant activity and payment transactions to ensure compliance and identify suspicious behaviour.
- Company: Join xpate, a dynamic fintech company revolutionising money management.
- Benefits: Enjoy flexible hours, private health insurance, and paid time off.
- Other info: Collaborative culture with opportunities for continuous learning and growth.
- Why this job: Make a real impact in the fintech world while developing your skills.
- Qualifications: 1-2 years in AML, Compliance, or FinTech with strong analytical skills.
The predicted salary is between 40500 - 49500 £ per year.
We are looking for a motivated and detail-oriented Monitoring Specialist to join our growing team. In this role, you will support the day-to-day monitoring of merchant activity and payment transactions, helping identify unusual or suspicious behaviour and ensuring compliance with AML/CFT requirements.
Your role at xpate:
- Review sanctions, PEP and adverse media alerts.
- Perform screening using monitoring solutions such as Sumsub, LexisNexis, WebShield, G2 Risk Solutions and other internal systems.
- Conduct periodic client reviews for Low and Medium Risk clients and assist in preparing EDD reports for the higher risk tiers.
- Perform test purchases and document investigation results.
- Monitor regulatory updates and developments and merchant regulations.
- Review card scheme alerts.
- Assist with merchant integration into monitoring systems and maintain monitoring registers.
- Prepare information requests (RFIs) and control follow ups with internal stakeholders where additional information is required.
- Maintain accurate investigation records and case documentation.
- Assist with merchant termination processes and monitoring off-boarding activities.
- Escalate material findings to senior analysts in accordance with internal procedures.
- Contribute to continuous improvement of monitoring procedures and documentation.
- Work closely with Compliance, Risk, Operations, and Merchant Onboarding teams to support effective risk management.
- Keep up to date with AML/CFT requirements and emerging risks related to merchant acquiring.
We’re ready to meet you, if…
- 1–2 years of experience in AML, Compliance, Financial Crime, Payments or FinTech.
- Basic understanding of AML/CFT principles.
- Strong analytical thinking and attention to detail.
- Ability to review large amounts of information and identify inconsistencies.
- Excellent organisational skills and ability to prioritise workload.
- Good written and verbal communication skills in English (B2 or above).
- A willingness to learn and develop within Financial Crime and Client Risk.
What working at xpate looks like:
- A dynamic work environment with real ownership, practical challenges, and continuous learning opportunities.
- The opportunity to work on real fintech infrastructure in a regulated international environment.
- Flexible working hours and a hybrid working model.
- Private health insurance.
- Paid time off and additional company benefits.
- Close collaboration with compliance, risk, product, operations, finance, and IT teams.
- A chance to contribute to a modern legal function supported by automation, structured data, and scalable workflows.
- A collaborative team culture where initiative, curiosity, and accountability are valued.
Why join xpate?
We’re building the financial backbone of the future — where payments move freely and businesses grow without barriers. If you want real impact, freedom to innovate, and work that drives change, xpate is the place for you.
About us
xpate’s story: xpate is an all-in-one money management platform built for businesses, fintechs, and regulated industries. Born in Riga and now spreading around the globe, xpate helps digital businesses pay, get paid, and keep money flowing seamlessly and securely across borders, industries, and technologies.
Monitoring Specialist employer: xpate
xpate is an excellent employer that prioritises employee well-being and professional growth, offering flexible working hours and private health insurance to ensure a healthy work-life balance. The vibrant work culture fosters proactive communication and collaboration, making it an ideal environment for those looking to thrive in customer support roles while enjoying additional personal days off. Located in a dynamic industry, xpate provides unique opportunities for career advancement and skill development.
StudySmarter Expert Advice🤫
We think this is how you could land Monitoring Specialist
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like xpate. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Monitoring Specialist
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to xpate.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on xpate's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at xpate
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with xpate.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at xpate will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former xpate employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
