Financial Investigation Unit Operation Senior Analyst

About Airwallex
Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 200,000 businesses worldwide - including Brex, Rippling, Navan, Qantas, SHEIN and many more - with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale.
Proudly founded in Melbourne, we have a team of over 2,000 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is leading the charge in building the global payments and financial platform of the future. If you're ready to do the most ambitious work of your career, join us.
Attributes We Value
We hire successful builders with founder-like energy who want real impact, accelerated learning, and true ownership. You bring strong role-related expertise and sharp thinking, and you're motivated by our mission and operating principles. You move fast with good judgment, dig deep with curiosity, and make decisions from first principles, balancing speed and rigor.
You're humble and collaborative; turn zero-to-one ideas into real products, and you "get stuff done" end-to-end. You use AI to work smarter and solve problems faster. Here, you'll tackle complex, high-visibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, let's build what's next.
Job Description:
Airwallex is a global payments fintech company transforming the way businesses move and manage money globally. We have built a global financial infrastructure platform to help businesses transact, collect and pay across 130+ countries and 50+ currencies, without the constraints of the traditional global financial system. We've grown to 19 global locations and have raised over US$800 million in funding. To support our ambitious growth plans, we're looking for smart, collaborative and passionate people who are looking to make a genuine impact.
As an FIU Operations Analyst, you will be responsible for conducting in-depth account activity reviews, supporting STR preparation and filing, and coordinating risk-based actions across multiple stakeholders. You will work on escalations from TM, KYC, Channel and other Operations teams, as well as proactive investigations driven by data and internal dashboards.
This role is ideal for someone who is curious about new typologies and products, comfortable dealing with ambiguity, and excited to build expertise in new regulations, tools and jurisdictions.
Role:
This role mainly focuses on transaction monitoring case handling. It reports to the Financial Investigation Unit Operation Manager.
Responsibilities:

• Support STR / SAR lifecycle: prepare investigation summaries, draft STR narratives, populate regulator templates, and work with the MLRO / FIU to finalise filings within required SLAs.
• Conduct account activity reviews (AARs) on customers escalated by TM, KYC, Banking Partners, or Compliance teams, including end-to-end transaction analysis, KYC file review, open-source research, linked account investigation, comprehensive risk assessment, and formulating recommendations.
• Perform proactive investigations utilizing internal suspicious dashboards, tools, and datasets to identify emerging financial crime patterns and high-risk customer relationships.
• Execute and coordinate risk controls (transaction blocks, account freezes, offboarding, blacklisting, enhanced monitoring) per internal policies and FIU guidance.
• Maintain precise audit-ready investigation records in internal systems, documenting decisions, rationale, evidence and timelines comprehensively.
• Partner with cross-functional teams (MLRO, FIU, TM, KYC, Product, Data, Commercial) to resolve risk concerns, gather data and align on customer outcomes.
• Identify FIU Ops workflow gaps and inefficiencies, proposing pragmatic enhancements to optimize processes and tools.
• Participate in AML/CTF and sanctions projects; track regulatory updates, share key insights and build the team's in-house expertise.
• Support transaction monitoring-related and ad-hoc assignments as assigned by the Financial Crime Operations Manager.

Key Requirements:

• A minimum of 5 years of relevant experience in AML Transaction Monitoring, preferably within payments, fintech or banking environments with exposure to HK, SG and MY markets; must have solid familiarity with common money laundering schemes, sanctions compliance, risk-based compliance frameworks, risk management practices, and other financial crime compliance requirements.
• Meticulous in drafting/reviewing STRs and maintaining audit-ready records; familiar with the processes and details of STR submission in HK, SG and MY.
• Meticulous with good analytical skills, detail-oriented, a team player, proficient in time management and able to represent Compliance in Group projects
• Demonstrate ability to effectively review and analyse data/situation and apply judgement to resolve issues in a timely manner
• Having substantial hands-on experience on the following areas is a plus:
  
  • International, regional and local regulatory knowledge/experience, AML and OFAC risk assessment of Process improvement initiatives (KYC, CDD, etc.)
  • Policy & procedure development (Black/white list maintenance; STR writing/review, etc.)
  • Alert clearing and investigations
  • Common AML Typology Analysis
  • Vendor solutions in KYC
  • Transaction Monitoring, Case Management or Sanction Compliance
  • Internet Financing or payment company risk and Compliance
• Excellent verbal and written communication in both Mandarin and English.
• Certifications preferred: CAMS, CFCS, ICA Advanced AML.

Applicant Safety Policy: Fraud and Third-Party Recruiters
To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page.
Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary.
Equal opportunity
Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don't regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.