Transaction Monitoring & KYC Specialist - USA (Full-time)

The Transaction Monitoring & KYC Specialist (USA hours) supports the detection, investigation, and prevention of financial crime across Tilia's platform.

This role is responsible for reviewing transaction alerts, conducting customer due diligence (KYC/KYB), and ensuring all activities are handled accurately, efficiently, and in line with internal policies and regulatory requirements. The Specialist plays a key role in maintaining a strong financial crime control environment while supporting a seamless customer experience.

Key Responsibilities

Transaction Monitoring & Investigations

• Review and investigate transaction monitoring alerts and out-of-pattern activity
• Analyse customer transactions to identify suspicious behaviour, trends, and red flags
• Document investigations clearly, including rationale and supporting evidence
• Escalate suspicious activity in line with internal procedures
• Support preparation of Suspicious Activity Reports (SARs), where required

KYC / KYB & Due Diligence

• Perform KYC/KYB checks for new and existing customers (individuals and businesses)
• Review and verify customer documentation, including identity, ownership structures, and UBOs
• Conduct risk assessments in line with internal frameworks
• Support enhanced due diligence (EDD) for higher-risk customers (e.g., PEPs, high-risk jurisdictions)
• Communicate with customers to collect required information and resolve queries

Case Management & Operations

• Manage and prioritise alerts, cases, and tickets within defined SLAs
• Maintain accurate and complete records in case management and ticketing systems (e.g., Freshdesk)
• Monitor internal escalations and ensure proper tracking and documentation
• Support onboarding reviews and ongoing monitoring activities

Screening & Controls

• Conduct sanctions and watchlist screening (e.g., OFAC)
• Assist with periodic reviews and ongoing monitoring of customers
• Identify potential control gaps, trends, or inefficiencies and escalate accordingly

Reporting & Continuous Improvement

• Support preparation of reports and summaries for management review
• Contribute to improving processes, templates, and workflows
• Provide feedback on alert quality, false positives, and system effectiveness
• Stay up to date with financial crime trends and regulatory requirements

Skills & Experience

• 1–3 years' experience in AML, KYC, fraud, or compliance operations (fintech, payments, or financial services preferred)
• Basic understanding of AML/CFT regulations, sanctions, and financial crime risks
• Experience in transaction monitoring and/or KYC/KYB processes
• Strong analytical and investigative skills
• High attention to detail and ability to make risk-based decisions
• Ability to manage multiple tasks in a fast-paced environment

Technical Skills

• Experience with case management or ticketing tools (e.g., Freshdesk, Zendesk) is a plus
• Good working knowledge of Excel / Google Sheets (e.g., filtering, basic analysis)
• Familiarity with transaction monitoring or screening tools is advantageous

Ways of Working

• Accuracy & Accountability: Delivers high-quality, well-documented work
• Risk Awareness: Applies sound judgement when assessing financial crime risks
• Ownership: Takes responsibility for cases through to resolution
• Collaboration: Works effectively with Compliance, Operations, and cross-functional teams
• Continuous Improvement: Open to learning and improving processes