AML Analyst
Ziina · Dubai, United Arab Emirates · 1mo ago
About Ziina
Ziina’s mission is to bring financial freedom to every person in the Middle East. We are building MENA’s consumer and SMB financial platform, starting with a peer-to-peer and merchant wallet. Our team have backgrounds from Apple, Uber, Stripe, Klarna, Revolut, Yandex, and Nubank. Ziina’s payments volumes have grown by 10x YoY for the last two years. The team have built a product that is beloved by the UAE with a 4.8 star rating in the app store and is the recipient of 8 international design awards, including the Red Dot Award and the UX Design Award.
Our last round was a $22 million Series A from top-tier investors globally including Altos Ventures, Fintech Collective, Activant, Long Journey Ventures and Y Combinator. Our angel investors include early employees and executives at Revolut, Stripe, Venmo, Brex, Checkout.com, Notion, and Deel.
The Role
We’re looking for an AML Analyst to help protect Ziina’s platform from money laundering, terrorist financing, proliferation financing, and financial crime abuse as we continue to scale.
This role is ideal for someone who combines strong investigative skills with a risk-based mindset, and who understands that AML is not just about case handling, but about continuously improving controls, reducing risk exposure, and enabling safe growth.
You’ll work closely with Fraud, Risk, Product, and Compliance teams, handling AML cases end-to-end while contributing to process improvements and automation initiatives.
What You’ll Own:
Core AML & Transaction Monitoring
AML Case Investigations: Review and investigate transaction monitoring alerts, unusual activity, and high-risk behaviors across consumer and merchant accounts
Risk-Based Assessments: Assess customer activity against expected behavior, KYC/KYB profiles, and known typologies
STR/SAR Preparation: Draft high-quality internal STR/SAR and other AML reports, escalate the cases to second line of defense when reporting is required.
Red Flag Identification: Identify AML red flags, emerging typologies, and potential predicate offenses
Policy Adherence: Ensure investigations are conducted in line with internal policies, regulatory expectations, and local AML/CFT requirements
Process Improvement & Collaboration
Continuous Improvement: Identify gaps or inefficiencies in AML workflows and propose improvements
Cross-Functional Work: Partner with Fraud, Product, Engineering, and Operations teams to reduce AML risk upstream
Automation Support: Contribute to initiatives aimed at automating AML reviews and improving monitoring quality
Trend Analysis: Analyse historical cases to identify trends, patterns, and risk drivers
Documentation Excellence: Maintain clear, structured case notes and investigation summaries suitable for audit and regulatory review
Metrics & Reporting: Support AML reporting and dashboards to provide visibility on risk exposure and operational performance
About You
Must-Have Experience
2+ years of experience in AML, financial crime investigations, and transaction monitoring within fintech, payments, or financial services
Strong understanding of AML/CFT/CPF concepts, risk-based investigations, and transaction monitoring
Experience reviewing alerts, investigating unusual activity, and documenting outcomes clearly
Ability to work independently and take ownership of cases in a fast-paced environment
Strong written communication skills in English, Arabic is a Plus.
Ability to analyse large datasets and identify patterns, trends, and anomalies
What Would Amaze Us
You see AML as a preventive and strategic function, not just case handling
You naturally think in risk trade-offs and customer impact
You proactively flag emerging risks before they become incidents
You’re comfortable operating with ambiguity and building structure as you go
You take ownership and don’t wait to be told what needs fixing
Nice to Have
Experience with regulatory reporting tools such as goAML
Experience working with data to support investigations (SQL/Python)
Experience in high-growth fintech or payments environments
Knowledge of CBUAE AML/CFT/CPF regulations and regional typologies
Professional certifications (CAMS, ICA, CFCS)
Arabic language proficiency