Senior Transaction Monitoring Specialist

About VFX

For businesses navigating the complexities of global payments and treasury management, finding fast, reliable solutions can be a challenge. VFX removes the barriers to seamless cross-border transactions, offering tailored, secure, and efficient banking and treasury services.

Whether it’s corporate accounts, FX and payment services, or offering the right software and integrations to meet your business needs, VFX experts tailor the right solution every time. Behind these services is a team of ambitious VFXers who think like founders, never stop learning, and go the extra mile to help our clients succeed.

About the Role

We’re looking for a Senior Transaction Monitoring Specialist to take the lead in strengthening VFX’s AML and CTF transaction monitoring framework. You’ll manage complex investigations, oversee the effectiveness of our monitoring systems, and provide day-to-day guidance to, and act as an escalation point for junior analysts — helping ensure we stay ahead of regulatory expectations and financial crime risks.

Working closely with the MLRO, you’ll play a key role in tuning systems, improving processes, and making sure our financial crime controls are robust, efficient, and fit for purpose.

Key Responsibilities

Transaction Monitoring & Investigations

• Lead reviews of complex alerts to identify potential money laundering or financial crime (terrorist financing, proliferation financing, fraud) activity.

• Conduct investigations, draft and escalate high-quality SARs (Suspicious Activity Reports) to the NCA.

• Oversee QA on investigations to ensure timely, accurate, and consistent escalation.

• Run thematic reviews on higher-risk customer segments or payment corridors. 

System Tuning & Optimisation

• Work with data and systems teams to fine-tune monitoring rules and thresholds.

• Support validation and calibration of detection models, documenting changes in line with regulatory standards.

Policy & Framework

• Contribute to continuous improvement of AML/CTF policies and procedures.

• Stay up to date with key regulatory changes (MLRs, FCA, FATF, OFSI) to ensure compliance.

Leadership & Mentoring

• Coach and support junior analysts on investigations and financial crime best practices.

• Act as a key escalation point for complex or sensitive cases.

Reporting & MI

• Prepare MI and KPI reports for senior management, highlighting key trends and typologies.

• Support the MLRO with internal and regulatory reporting.

Cross-Functional Collaboration

• Partner with Onboarding, Risk, Operations, and Product teams to ensure financial crime risks are managed across the business.

• Participate in financial crime risk assessments and internal/external audits.

Candidate Profile

• 7–10 years’ experience in AML/CTF roles within payments, fintech, or another regulated environment.

• Proven track record managing complex investigations and submitting SARs.

• Strong knowledge of UK and EU AML/CTF frameworks (MLRs 2017, POCA, TACT, JMLSG).

• Experience with transaction screening / monitoring systems (Lexis Nexis, Actimize, SAS, ComplyAdvantage, or similar).

• Excellent analytical, communication, and report-writing skills.

• Confident engaging with senior stakeholders and regulators.

• ICA Diploma or CAMS certification (desirable).

Benefits at VFX

We offer more than just perks — we offer ownership.

Our benefits include:

• Generous Profit Share Plan (PSP)

• Equity via the Company Share Option Plan (CSOP)

• Competitive salary

• Hybrid working 3-days per week at our Aldgate office

• Annual all-expenses paid company incentive trip abroad

• Flexible learning & development budget

• Weekly events like Monday Supper Club, Thursday Happy Hour & regular socials

• Fresh fruit, breakfast staples & fully stocked drinks fridge in the office

PSP & CSOP Details

At VFX, the biggest benefit is the opportunity to act like an owner. Through our Profit Share Scheme (PSP) and Company Share Option Plan (CSOP), every team member has a chance to own a stake in the business and share in the profits.

To show you what that looks like, in 2024, PSP participants received over $1,000,000 USD. From those distributions, more than 80% of eligible VFXers chose to become shareholders — a powerful reflection of the belief and commitment that drives VFX forward.

If you care about building something meaningful, take pride in your work, and are motivated by impact — you’ll thrive here.

Next Steps

If you are successful, you will be contacted for an initial call with our People Ops Partner, followed by a 1st stage Teams interview with the hiring manager, followed by in in-person final stage interview at our London office.