Transaction Monitoring Analyst

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. 

GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we're all about supporting you We're committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we're here to help 

And remember: we don't expect you to meet every single requirement. If you're excited by this role, we encourage you to apply

The role

We're looking for a customer-centric Transaction Monitoring Analyst to join as a founding member of our newly established Transaction Monitoring team. You'll be part of the wider Risk Operations team here at GoCardless where you'll help us to deliver an exceptional experience to our fast-growing Customer base, whilst ensuring we protect GC from financial crime risks.

This role will be based out of our office in Riga and working hours will be from 9.00 am pm (Mon - Fri). Some flexibility may be required occasionally. 

We are a 24x7 operation and require our employees to demonstrate a willingness to work on some bank holidays.

Location:

Riga. As an office based position with the opportunity to work 2x day a week from home (after the probation period).

What excites you 

• Conducting in-depth investigations into transactions, spotting unusual behaviour and presenting your analysis to internal stakeholders.
• Carrying out enhanced due diligence reviews/complex risk assessments on our higher-risk customers and providing risk-based recommendations.
• Assessing suspicious accounts or behaviours and completing detailed internal SARs (Suspicious Activity Reports) where required.
• Taking ownership of new tools and processes, identifying inefficiencies and driving towards improvement and automation 
• Working as part of a newly established team towards daily / weekly targets, helping build the team culture, knowledge and processes as you go. 

What excites us  

• Strong Transaction Monitoring background and investigations experience. 
• Experience in drafting unusual activity reports and an understanding of AML  typologies and transaction monitoring systems.
• You have a flawless command of English and communicate clearly in speaking and writing, and are happy to support customers via email. 
• You've worked as part of a team focusing on transaction monitoring and investigations or within a QC/QA team.
• You're passionate about balancing AML requirements with a great customer experience, explaining our requirements effectively
• You take pride in having strong attention to detail and always see tasks through to completion 
• You're proactive, can pre-empt issues and are a creative problem solver
• You have the ability to keep calm under pressure
• You're comfortable working with internal stakeholders at all levels, upholding our core product & compliance requirements with a problem-solving approach
• Fluency in French, German or Spanish is not a requirement but will be considered an advantage

We don't expect you to meet every requirement. If you're excited by this role, we encourage you to apply.

Salary Range: €1600 - €1900 monthly (Gross)

• Wellbeing: Dedicated support and medical cover to keep you healthy.
• Work Away Scheme: Work from anywhere for up to 90 days in any 12-month period.
• Hybrid Working: Our hybrid model offers flexibility, with in-office days determined by your team.
• Equity: All permanently employed GeeCees get equity to share in our success.
• Parental leave: Tailored leave to support your life's great adventure.
• Time Off: Generous holidays, 3 volunteer days, and 4 wellness days annually.

We're an organisation defined by our values; We start with why before we begin any project, to ensure it's aligned with our mission. We make it happen, working with urgency and taking personal accountability for getting things done. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Our Values form part of the GoCardless DNA, and are used to not only help us nurture and develop our culture, but to deliver impactful work that will help us to achieve our vision.

We're building the payment network of the future, and to achieve our goal, we need a diverse team with a range of perspectives and experiences. As of July 2024, here's where we stand:

• 45% identify as women 
• 23% identify as Black, Asian, Mixed, or Other 
• 10% identify as LGBTQIA+ 
• 9% identify as neurodiverse 
• 2% identify as disabled 

If you want to learn more, you can read about our Employee Resource Groups and objectives here as well as our latest D&I Report 

We're committed to reducing our environmental impact and leaving a sustainable world for future generations. As co-founders of the Tech Zero coalition, we're working towards a climate-positive future. Check out our sustainability action plan here. 

Find out more about Life at GoCardless via X, Instagram and LinkedIn.