About Tazapay
Tazapay is a next-generation cross-border payments infrastructure platform, enabling global businesses to collect and pay out across 70+ markets through a single API. Our platform spans alternative payment methods, cards, virtual bank accounts, stablecoins, and payouts — backed by institutional-grade compliance across multiple jurisdictions.
We believe in a culture of openness, innovation, and building something that matters. Recognized on CNBC's World's Top Fintech Companies 2025, Tazapay is where ambitious professionals help shape the future of global payments.
About The Role
As a Business Compliance Associate at Tazapay, you will serve as a frontline officer within our Transaction Monitoring (TM) function — a critical line of defence in our global AML/CFT framework. You will review and investigate transaction alerts generated by our automated monitoring systems, conduct Level 1 (L1) analysis on flagged payment activities, and ensure
that suspicious or unusual behaviour is escalated promptly and accurately in accordance with internal policy and applicable regulatory requirements. This role is ideal for a compliance professional who is analytical, process-driven, and passionate about financial crime prevention in a high-growth fintech environment.
Key Responsibilities
Transaction Monitoring & Alert Investigation
- Monitor and review transaction alerts generated by the automated AML/TM system on a daily basis, ensuring timely investigation and disposition within defined SLA timelines.
- Conduct L1 analysis on flagged transactions to determine whether the activity constitutes normal, unusual, or suspicious behaviour, applying relevant AML typologies and red flags.
- Collect, review, and document supporting evidence such as transaction histories, customer profiles, account activity patterns, and publicly available information to substantiate investigation findings.
- Accurately log investigation rationale, findings, and disposition decisions in the case management system, maintaining a clear and auditable trail for each alert.
- Escalate alerts to Level 2 (L2) investigators or the Senior Compliance Officer where activity meets escalation criteria, including potential STR/SAR thresholds or complex risk indicators.
- Continuously monitor payment flows across multiple channels — including virtual accounts, cards, alternative payment methods, and stablecoin settlements — to detect emerging risk patterns.
- Apply knowledge of common financial crime typologies such as layering, structuring, trade-based money laundering (TBML), and cross-border payment abuse to investigation assessments.
Customer Due Diligence & Risk Management
- Support the end-to-end client onboarding process by reviewing KYC documentation in line with the Company's AML/CFT policies, ensuring completeness and authenticity of submitted materials.
- Conduct customer due diligence (CDD) and enhanced due diligence (EDD) reviews for standard and high-risk customer profiles respectively, assessing business nature, ownership structure, and source of funds.
- Perform screening of customers, beneficial owners, and counterparties against sanctions lists (OFAC, UN, EU, MAS, FATF), PEP databases, and adverse media sources, and document findings accordingly.
- Periodically review and refresh customer risk profiles to reflect updated risk levels, newly identified adverse information, or changes in business activity.
- Identify and flag customers who exhibit behavioural indicators of higher risk, and coordinate with the L2 team for further review or action.
Process, Controls & Collaboration
- Follow and contribute to the continuous improvement of documented workflows, standard operating procedures (SOPs), and controls within the TM function to improve investigative quality and efficiency.
- Collaborate with internal teams — including Sales, Product, Operations, and Technology — to resolve compliance-related queries, provide guidance on permissible activity, and flag emerging risks.
- Monitor controls and transaction limits in alignment with the Group's Risk Appetite Framework, escalating breaches or anomalies to the appropriate stakeholders.
- Support the compliance team during internal audits, regulatory visits, and external examinations by organizing case files, documentation, and evidence packs.
- Participate in regular team case calibration sessions, typology training, and regulator-issued guidance reviews to ensure investigative standards remain current and consistent.
What Skills Do You Need
Experience & Knowledge
- 4–6 years of experience in Transaction Monitoring, AML/CFT compliance, or financial crime investigation within a fintech, payments company, or regulated financial institution.
- Demonstrated hands-on experience conducting L1 alert reviews and case investigations using automated TM systems.
- Strong working knowledge of AML/CFT regulatory frameworks, FATF Recommendations, and jurisdiction-specific requirements including MAS Notice PSN02, EU AMLD, and FINTRAC guidelines.
- Solid understanding of cross-border payment flows, virtual accounts, digital wallets, and emerging payment rails (RTP, stablecoins) and associated financial crime risks.
- Familiarity with FATF high-risk jurisdictions, sanctions regimes (OFAC, UN, EU), PEP typologies, and adverse media screening best practices.
- Experience in preparing or contributing to Suspicious Transaction Reports (STRs) or Suspicious Activity Reports (SARs) for regulatory submission.
Core Competencies
- High attention to detail with the ability to identify subtle indicators of financial crime within large volumes of transaction data.
- Strong analytical and critical thinking skills — able to draw reasoned conclusions and articulate clear investigation narratives.
- Excellent written and verbal communication skills in English; ability to document findings concisely and professionally.
- Self-motivated, organised, and capable of managing a personal alert queue independently while contributing to broader team objectives.
- Collaborative mindset with the ability to work effectively across cross-functional teams and geographies in a fast-paced, dynamic environment.
- Education: Bachelor's degree in Finance, Accounting, Banking, Law, Economics, or
a related discipline. Professional certifications such as CAMS, CFE, or ICA Diploma in AML are a strong advantage.
If you are a detail-oriented compliance professional with a genuine interest in
financial crime prevention and cross-border payments, we would love to hear from
you. Join Tazapay and be part of building the next generation of compliant global
payment infrastructure.
