Business Compliance Associate

<div><strong>About Tazapay<br></strong>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.</div><div>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.</div><div><br></div><div><strong>About the Role<br></strong>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 &nbsp;monitoring systems, conduct Level 1 (L1) analysis on flagged payment activities, and ensure<br>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.<br><br><strong>Key Responsibilities<br></strong><strong>Transaction Monitoring &amp; Alert Investigation</strong></div><div><strong>-&nbsp;</strong>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.</div><div>- Conduct L1 analysis on flagged transactions to determine whether the activity constitutes normal, unusual, or suspicious behaviour, applying relevant AML typologies and red flags.<br>- Collect, review, and document supporting evidence such as transaction histories, customer profiles, account activity patterns, and publicly available information to substantiate investigation findings.<br>- Accurately log investigation rationale, findings, and disposition decisions in the case management system, maintaining a clear and auditable trail for each alert.<br>- 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.<br>- Continuously monitor payment flows across multiple channels — including virtual accounts, cards, alternative payment methods, and stablecoin settlements — to detect emerging risk patterns.<br>- Apply knowledge of common financial crime typologies such as layering, structuring, trade-based money laundering (TBML), and cross-border payment abuse to investigation assessments.</div><div><br></div><div><strong>Customer Due Diligence &amp; Risk Management</strong></div><div><strong>-&nbsp;</strong>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.<br>- 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.<br>- 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.<br>- Periodically review and refresh customer risk profiles to reflect updated risk levels, newly identified adverse information, or changes in business activity.<br>- Identify and flag customers who exhibit behavioural indicators of higher risk, and coordinate with the L2 team for further review or action.</div><div><br></div><div><strong>Process, Controls &amp; Collaboration</strong></div><div><strong>-&nbsp;</strong>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.<br>- Collaborate with internal teams — including Sales, Product, Operations, and Technology — to resolve compliance-related queries, provide guidance on permissible activity, and flag emerging risks.<br>- Monitor controls and transaction limits in alignment with the Group's Risk Appetite Framework, escalating breaches or anomalies to the appropriate stakeholders.<br>- Support the compliance team during internal audits, regulatory visits, and external examinations by organizing case files, documentation, and evidence packs.<br>- Participate in regular team case calibration sessions, typology training, and regulator-issued guidance reviews to ensure investigative standards remain current and consistent.</div><div><br></div><div><strong>What Skills Do You Need?</strong><br><strong>Experience &amp; Knowledge<br></strong>- 4–6 years of experience in Transaction Monitoring, AML/CFT compliance, or financial crime investigation within a fintech, payments company, or regulated financial institution.<br>- Demonstrated hands-on experience conducting L1 alert reviews and case investigations using automated TM systems.<br>- Strong working knowledge of AML/CFT regulatory frameworks, FATF Recommendations, and jurisdiction-specific requirements including MAS Notice PSN02, EU AMLD, and FINTRAC guidelines.<br>- Solid understanding of cross-border payment flows, virtual accounts, digital wallets, and emerging payment rails (RTP, stablecoins) and associated financial crime risks.<br>- Familiarity with FATF high-risk jurisdictions, sanctions regimes (OFAC, UN, EU), PEP typologies, and adverse media screening best practices.<br>- Experience in preparing or contributing to Suspicious Transaction Reports (STRs) or Suspicious Activity Reports (SARs) for regulatory submission.</div><div><br></div><div><strong>Core Competencies<br></strong>- High attention to detail with the ability to identify subtle indicators of financial crime within large volumes of transaction data.<br>- Strong analytical and critical thinking skills — able to draw reasoned conclusions and articulate clear investigation narratives.<br>- Excellent written and verbal communication skills in English; ability to document findings concisely and professionally.<br>- Self-motivated, organised, and capable of managing a personal alert queue independently while contributing to broader team objectives.<br>- Collaborative mindset with the ability to work effectively across cross-functional teams and geographies in a fast-paced, dynamic environment.<br>- Education: Bachelor's degree in Finance, Accounting, Banking, Law, Economics, or<br>a related discipline. Professional certifications such as CAMS, CFE, or ICA Diploma in AML are a strong advantage.</div><div><br></div><div>If you are a detail-oriented compliance professional with a genuine interest in<br>financial crime prevention and cross-border payments, we would love to hear from<br>you. Join Tazapay and be part of building the next generation of compliant global<br>payment infrastructure.</div>