Transaction Monitoring Analyst (AML / Financial Crime Investigations)
Finom · Remote · Poland +1 · 19h ago
Mid levelRemoteRisk & Compliance
Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.
We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.
Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.
At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.
Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.
About the Role
Finom is growing fast, and our Transaction Monitoring team is growing with it. We're looking for an experienced AML analyst to join us and help protect Finom and our customers from financial crime.
In this role, you'll review transaction monitoring alerts, work out why an alert triggered on an account, and investigate potentially suspicious activity. You'll then decide whether the behaviour is genuinely suspicious and whether it warrants a SAR filing or offboarding the customer. Your judgement is the heart of the job.
This is an investigations role, not a box-ticking one. After a structured ramp-up period, you'll make most decisions on your own and manage your own workload. Alongside your core queue work, you'll have chances to contribute to projects that improve how the team works, from process improvements to automation and AI-enabled workflows.
You'll join a team that is at the cutting edge of AML operations technology. Over time, you can take on broader responsibilities and move into more senior roles. Finom is constantly evolving, and people who do well here find that opportunities come quickly.
What You Will Be Doing
- Review and investigate transaction monitoring alerts, understanding what triggered each one and what the account activity tells you
- Assess whether the behaviour is suspicious and decide on the right outcome, including SAR filing and/or customer offboarding
- Escalate cases to Second Line of Defence (2LOD) during your ramp-up period, and then make more independent decisions as your experience with our processes grows
- Manage your own productivity and meet your quality and productivity targets, taking initiative to keep the queue moving
- Contribute to team and department projects as your experience grows, including process improvements, automation and AI initiatives
- Over time, take on additional responsibilities, such as reviewing alerts on accounts flagged by Sales or Account Management and handling JIRA escalations from other teams
- Work with colleagues across product, legal and compliance, and help make sure our approach balances regulatory compliance with a good customer experience
What your first months look like: The first two weeks cover Finom onboarding and Transaction Monitoring training. We expect you to be fully meeting your productivity and QA targets by around three months.
What you bring
- You have at least two years of experience as an AML or fraud analyst in an anti-financial crime operations team
- You have a solid grasp of AML typologies and concepts that goes beyond "how we did it at my last company". You understand the bigger picture of financial crime and why controls exist
- You've worked in a fast-paced, high-volume operations environment and you thrive in it
- You can take ownership: you manage your own workload, make sound decisions with the information you have, and keep going without needing constant direction
- You're comfortable with change. Our processes and priorities evolve as we grow, and you see that as an opportunity
- You communicate clearly in writing, and can explain your reasoning for a decision so that others can follow and review it
Nice to Have
- Experience using AI in your personal or professional life, especially if you've built it into your own workflows. We're keen to hear how you've used it
- Experience coordinating with other teams, such as product, legal and compliance
- Experience in a fintech, payments, crypto or similar fast-moving financial services environment
Why Join Finom
- Real room to grow. Strong performers can move into different or more senior roles after their first year, and your scope grows with your skills
- Technology that matters. You'll work at the cutting edge of AML operations, including automation and AI, and you'll have the chance to shape how it's used
- A balanced approach to risk. We take compliance seriously, and we also care about our customers' experience, so you'll make decisions that weigh both. If you want to see the impact of your judgement, you'll like it here
- A team that values initiative. We trust people to own their work, and we reward those who do
We welcome applications from people of all backgrounds, and we encourage you to apply even if you don't tick every box.
The Interview Process
- 30 min Screening Call with our Recruiter
- 45-minute interview with one of our Team Leads
- Case Study + 1 hour Panel Interview with the Team
- 20 min Final Interview with our Team Manager
What You Will Get In Return
Make a genuine impact on the product
Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.
Work in the EU
Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.
Become a stock options holder
Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.
Receive unwavering support and care
Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.
Work & Swim program
Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.
Equal Opportunity Statement
At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.