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- Tasks: Manage AML monitoring processes and conduct investigations in a fast-paced fintech environment.
- Company: Join xpate, a rapidly growing money management platform with a collaborative culture.
- Benefits: Competitive salary, flexible working, and a dynamic team atmosphere.
- Other info: Opportunity for career growth and to work with innovative banking solutions.
- Why this job: Make a real impact on financial processes and drive change in the fintech industry.
- Qualifications: 3+ years in AML or transaction monitoring with strong analytical skills.
The predicted salary is between 50000 - 65000 £ per year.
We are looking for a proactive and independent Senior AML & Monitoring Officer to join our growing banking services division during a key stage of expansion. The ideal candidate can independently manage AML monitoring end-to-end, handle investigations and workflows, improve processes, and thrive in a fast-paced fintech environment. We value detail-oriented and accountable professionals with strong knowledge of banking products, transaction flows, and payments infrastructure.
Your role at xpate:
- Own and manage transaction monitoring processes for banking services clients.
- Independently conduct transaction monitoring, alert reviews, investigations, and risk assessments using internal systems and tools.
- Analyze complex transaction patterns, customer behaviours, and high-risk activities across banking flow.
- Identify suspicious activities and prepare high-quality escalation summaries, SAR/STR reports, and internal recommendations where required.
- Continuously improve monitoring efficiency by identifying false positives, optimizing rules, and enhancing monitoring scenarios and thresholds.
- Take initiative in improving AML monitoring procedures, workflows, and operational controls.
- Collaborate cross-functionally with Onboarding, Operations and Product teams to ensure aligned risk management practices.
- Maintain high-quality documentation fully aligned with regulatory expectations and internal standards.
- Act as a subject matter expert on AML risks related to banking products and transaction flows.
- Operate effectively under high workload and tight timelines while maintaining accuracy and attention to detail.
We’re ready to meet you, if…
- 3+ years of experience in AML, transaction monitoring, or financial crime within fintech, banking, or payments.
- Strong understanding of banking products, payment flows, AML/CFT regulations, and transaction monitoring methodologies.
- Proven ability to independently manage complex investigations and high-risk cases with minimal supervision.
- Strong ownership mentality and ability to organize and prioritize work autonomously.
- Exceptional attention to detail and strong analytical thinking.
- Experience with SAR/STR preparation and regulatory reporting standards.
- Analytical mindset with the ability to identify patterns, anomalies, and emerging risks.
- Strong written and verbal English communication skills (B2+).
- Practical experience with transaction monitoring systems, rule tuning, scenario optimization, and threshold reviews.
Nice to Have:
- Experience in a high-growth fintech, banking-as-a-service, or payments environment.
- Experience with automation tools, SQL, or data analysis.
- Experience participating in the launch or scaling of banking/financial products.
What working at xpate looks like:
- Opportunity to join and help scale a rapidly growing banking services business.
- High level of ownership and impact on processes and decision-making.
- Strong corporate culture with a collaborative, professional, and non-toxic team.
- Modern office, competitive compensation, and attractive employee benefits.
- Flexible working environment built on trust and accountability.
- A dynamic, ambitious team with high standards and strong growth mindset.
Why join xpate?
We're building the financial backbone of the future, where payments move freely and businesses thrive 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.
Senior AML & Monitoring Officer employer: xpate
Contact Detail:
xpate Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior AML & Monitoring Officer
✨Tip Number 1
Network like a pro! Reach out to your connections in the fintech and banking sectors. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their products and services, especially in AML and transaction monitoring. This will help you tailor your answers and show that you're genuinely interested in joining the team.
✨Tip Number 3
Showcase your skills through practical examples. When discussing your experience, highlight specific instances where you improved processes or handled complex investigations. This will demonstrate your proactive approach and problem-solving abilities.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re serious about wanting to be part of our dynamic team at xpate.
We think you need these skills to ace Senior AML & Monitoring Officer
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior AML & Monitoring Officer role. Highlight your experience in AML, transaction monitoring, and any relevant fintech knowledge. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your background makes you the perfect fit. Don’t forget to mention your proactive approach and attention to detail – we love that!
Showcase Your Analytical Skills: In your application, be sure to highlight your analytical mindset. Share examples of how you've identified patterns or anomalies in transaction flows. We’re keen on seeing how you can bring that expertise to our team!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Plus, we love seeing applications come in through our own platform!
How to prepare for a job interview at xpate
✨Know Your AML Inside Out
Make sure you brush up on your knowledge of AML regulations and transaction monitoring methodologies. Be prepared to discuss specific cases you've handled, showcasing your analytical skills and attention to detail.
✨Showcase Your Problem-Solving Skills
Think of examples where you've improved processes or resolved complex investigations. Highlight your ability to identify suspicious activities and how you’ve optimised monitoring scenarios in previous roles.
✨Demonstrate Your Independence
Since the role requires a proactive approach, be ready to explain how you manage your workload autonomously. Share instances where you've taken initiative in improving workflows or operational controls without needing supervision.
✨Communicate Clearly and Confidently
Strong communication skills are key, especially when preparing SAR/STR reports. Practice articulating your thoughts clearly, and be prepared to discuss how you collaborate with cross-functional teams to align risk management practices.