[Hiring] AML Operations Analyst @LemFi

Role Description

LemFi is the financial engine for people the world wasn't built to serve, processing remittances, multi-currency accounts, credit, savings, and eSIMs across more than 21 countries. Our Compliance Operations team is the reason our customers can trust every transaction they send.

As an AML Operations Analyst (Transaction Monitoring & Sanctions) in the Compliance Operations team, you will:

• Review transaction screening (sanctions) alerts and transaction monitoring alerts.
• Decide which payments can safely go through and which need to be stopped or escalated.
• Report to the FinCrime Operations Manager and work at the heart of day-to-day financial crime decisions in a 24/7 operation.
• Handle both real-time alerts on held payments and post-transaction alerts.
• Cover sanctions, money laundering, and fraud risk across LemFi's corridors.

Our Compliance Operations team works collaboratively across Transaction Monitoring & Sanctions, Customer Due Diligence, Fraud, and Investigations. We match candidates to the area that best aligns with their skills and strengths, so you may be placed in a different area from the one you applied for. As you develop your skills and grow within the team, there may also be opportunities to move across these areas.

What you'll build and own:

• Sanctions Screening: Review transaction screening alerts against sanctions lists (OFAC, UN, UK, EU), decide true match or false positive, and release or stop held payments within SLA.
• Transaction Monitoring: Review held and post-transaction monitoring alerts for money laundering and fraud risk, and decide whether activity makes sense for the customer.
• Escalate Appropriately: Escalate suspicious activity and possible sanctions matches for further investigation or reporting.
• Request Information: Contact customers for information when it is needed to decide a case, keeping requests short and clear.
• Improve Controls: Share what you see in alerts to help reduce false positives and improve screening and monitoring rules.
• Collaborate & Learn: Work across teams and keep up with sanctions changes, money laundering typologies, and fraud trends.

Qualifications

• 1-3 years of AML, sanctions, or transaction monitoring experience in a fintech, payments company, or financial institution.
• Hands-on experience reviewing sanctions screening alerts and transaction monitoring alerts.
• Knowledge of the main sanctions regimes (OFAC, UN, UK, EU) and how name matching works.
• Ability to make defensible decisions on your own, quickly, including on held payments.
• Strong written and verbal communication skills in English.
• Good skills in Google Sheets or Excel. SQL, Metabase, or Snowflake is a plus.
• CAMS, ICA, or CFE certification is a plus.
• Excellent organizational skills with strong attention to detail.
• Willingness to work shifts, including weekends and public holidays, as we run a 24/7 operation.

Requirements

• Risk Minded: You apply sound judgement when assessing customer and transaction risk, balancing control with customer impact.
• Detail Oriented: You spot inconsistencies and red flags that others may miss, ensuring high quality case outcomes and notes.
• Ownership Driven: You take responsibility for your decisions and follow cases through to completion without constant oversight.
• Adaptable: You are comfortable working in a fast changing environment with evolving regulations and priorities and stay calm under time pressure, especially when payments are on hold.
• Use Data to Support Decisions: Review alert and case information to support accurate decision making under guidance from senior team members.
• Collaborative: You work well with global teams and support shared outcomes over individual wins.

Benefits

• Your work here puts money back into families' pockets.
• You'll take on some of the hardest problems in finance alongside people who do their best work when the stakes are real.
• In return, you get room to own real problems, global impact you can see, and a team that won't slow you down.

Interview Process

• Role-based skills assessment
• Hiring Manager Interview (30mins)
• Bar Raiser interview (Technical and behavioural) with the Hiring team (45mins)

Recruitment Agencies Notice

LemFi does not accept unsolicited CVs from recruitment agencies. We work only with agencies on our preferred supplier list, and only when we’ve asked them for their support. Any CVs sent to us outside this arrangement will not incur a fee.