Descrição da Função

The AML/ Transaction Monitoring Analyst plays a key role in the prevention and detection of financial crime through proactive transaction monitoring and investigative analysis. The role covers both Consumer and Partner business segments, involving end-to-end case handling - from initial alert review to disposition, escalation, and preparation of Suspicious Activity Reports (SARs)- ensuring full compliance with internal policies and global AML regulations. This is not a KYC/Onboarding role; Candidates must demonstrate hands-on experience in transactional monitoring analysis, alert investigations and case documentation within an AML operations environment, having worked for financial institutions in Europe. Key Responsibilities - Review and analyze transactional activity triggered by automated monitoring systems or manual referrals to identify patterns indicative of potential money laundering, fraud, or terrorist financing. - Conduct end-to-end AML case investigations — gathering data, performing transactional analysis, corroborating findings through public and internal sources, and recommending disposition (e.g., escalation, closure, or SAR filing). - Prepare high-quality case narratives and supporting documentation for internal escalation or submission of Suspicious Activity Reports (SARs) in accordance with regulatory timelines and internal quality standards. - Perform background checks and contextual research on counterparties and entities linked to alerts, using both public and subscription databases (e.g., LexisNexis). - Maintain clear audit trails and ensure all investigative steps, conclusions, and rationales are accurately captured in case management systems. - Collaborate with Quality Control and Quality Assurance to ensure investigations meet internal policies, procedures and regulatory expectations. - Participate in periodic refresh reviews and identify new red flags or typologies through ongoing analysis of customer behavior. - Proactively identify process improvements and suggest control enhancements to strengthen AML detection and reporting capabilities. Qualifications - Education: Bachelor’s degree in Finance, Economics, Business, Law, or related field. - Language: Minimum English C1 Experience - Experience working for financial services client(s), with a minimum of one year of relevant experience in specifically Transaction Monitoring (handling of TM Alerts). - Demonstrated exposure to AML, TM, E2E investigation and SAR/STR preparation is required. Skills - Verbally strong enough to discuss cases in ENGLISH with stakeholders - Strong analytical and investigative mindset with the ability to interpret large transactional datasets. - Excellent drafting and case-writing skills, with emphasis on concise and factual narratives. - Sound understanding of AML / TM regulations, typologies, and red-flag indicators. - High attention to detail, organization, and accountability in documentation. - Risk-based mind-set, understanding that TM is not a ‘check-the-box’ exercise. Certifications - At least one of the following certifications: ICA certifications in AML, Financial Crime, or Compliance and/or CAMS (Certified Anti-Money Laundering Specialist) You must possess a valid work permit or residency for Portugal and/or citizenship of a European Union or Schengen Area country.

• AML
• Transaction Monitoring
• Financial Crime
• Compliance
• Digital Finance

Localização

• Lisboa, Portugal