Transaction Monitoring Analyst

Who we are and what's important to us.

We offer simple solutions, for smart businesses.

From instore and online card processing to card issuing and ATM, we touch every part of fintech’s most exciting investment spaces.

Operating pan-European – from the bustling investment hub of London to the talent-filled tech hubs of Cambridge and the Netherlands - we perfect the payments experience for our customers through a combination of best-in-class technology, constant innovation, and in-house expertise.

We are independently owned, allowing us to respond quickly to growth opportunities, and enjoy the backing of leading fintech investor Pollen Street Capital.

With an impressive growth trajectory, we are constantly looking for the best and brightest industry talent to help support our ambitious goals.

In return for your dedication, innovation, and good company, Cashflows offers a competitive salary and benefits, along with extensive perks. 

Come and join the team that's writing the future of fintech!

Our vision

With Cashflows, business is always personal.

Our mission

Our people work hard to understand our partners, customers, and industries, inside out. 

That’s why it’s our people that steer our business, transforming challenges, ideas, and technology into uncomplicated payment solutions that are easy to use and make perfect sense for your business.

While technology powers payments, it’s people that make them perfect.

Payments perfected by people.

The values we live by

• Courage - We’re leaders, who step-up to help others. We have the courage to ask questions and challenge constructively. We're empowered to make decisions.

• Collaboration - We communicate openly, have compassion, and support others to get the job done. We understand the "big picture", where customers and partners fit, and how we can help.

• Clarity - We’re clear about our priorities and what's expected of us. We work hard to solve problems, making sure our solutions are understood. Above all, we keep things simple! 

It’s essential to us that we bring on board new colleagues that demonstrate these values, and so If you like what you see so far, keep on reading!

The Job

We are looking for a Transaction Monitoring Analyst to join our Transaction Monitoring team. The successful candidate will be responsible for monitoring transactions for fraudulent activity, conducting investigations on suspicious transactions and analysing client data and documentation stored in the KYC Files to establish whether Procedures, Policy and regulatory requirements are met.

The role requires a thorough understanding of transaction monitoring tools and a strong ability to analyse data and identify trends. 

You'll be part of our Risk & Compliance team, reporting to the Transaction Monitoring Team leader

What you'll be doing

• Review transactions using monitoring systems and tools to identify unusual patterns or potentially fraudulent activity.

• Analyse customer behaviour to detect risks and assess suspicious activities

• Conduct in depth investigations on flagged transactions and escalate cases when necessary

• Complete Suspicious Activity Reports if needed

• Ensure Compliance with AML laws, local regulation and KYC/KYB guidelines by performing periodically customer reviews

• Reviewing and ensuring card scheme compliance of merchants

• Keep up with industry trends and developments to proactively identify new risks

• Liaising and working with multiple internal and external stakeholders, including Merchants, Partners, Customer Service and Compliance

What you'll be experienced in

• Strong analytical skills and attention to detail

• Experience using credit reference agencies

• Excellent verbal and written communication skills

• Be able to work effectively under pressure

• Good understanding of transaction monitoring tools and processes

• Strong Microsoft Excel skills

• Ability to adapt to changing priorities and multitask effectively

• Capacity to work independently as well as part of a team 

The hours

This is a 40 hours per week role – Monday to Friday. 

What you'll get 

Our benefits and perks include. 

• Salary is competitive and negotiable.

• 25 days holiday per year, plus a day off on your birthday, a wellbeing day and one day if you're moving house!

• Length of service holiday benefit – 1 day off for each year of service up to 28 days. 

• Private Medical Insurance

• Electric Car Scheme

• Free access to a Mortgage Advisor

• 4x salary life assurance

• Income protection

• 6% employer pension contributions

• Health Cash Plan cover

• Charity matching & time off for volunteering 

• Bike to Work Scheme

• Access to the People Hub which includes - Discounts with a range of retailers, wellbeing and exercise material and a vast book of recipes!

• Hybrid working approach 

• Option to apply for sabbatical leave

• Free fruit, cold & hot drinks and snacks provided every week.

And finally, we also throw a great staff party twice a year!

Our selection process steps.

If you like the sound of this role, please click apply!

If we think from your application, we'll be a good fit for one another we'll get in touch for a call. We'll talk to you about the role, why we enjoy working here so much and find out more about you.

From there, if we both think It’s a good match, we'll proceed with arranging interviews, they'll either be over the phone, via Microsoft Teams or in person. We'll let you know as soon as we've made a decision on whether we'd like to proceed things further with you.

If you have any questions, you're always welcome to reach out to our friendly People team via [email protected]