Transaction Monitoring Analyst

2 weeks ago

Cape Town, South Africa Mukuru Full time

Mukuru is one of Africa’s leading fintech companies, providing affordable and accessible financial services that empower millions across borders. We are committed to keeping our customers and business safe through strong compliance and world-class financial crime controls. We’re looking for a Transaction Monitoring Analyst (TMA) to join our Financial Crime team — a detail-driven investigator who’s passionate about fighting financial crime and safeguarding the integrity of Africa’s most trusted fintech brand. About the Role As a Transaction Monitoring Analyst , you’ll be on the front line of detecting and preventing financial crime. You’ll analyse transactions across multiple countries and systems, investigate suspicious activity, and play a vital role in ensuring Mukuru remains compliant with global AML/CFT (Anti-Money Laundering / Counter-Financing of Terrorism) regulations. You’ll work closely with the TMA Team Leader and other stakeholders to identify patterns, spot red flags, and take timely action against potential risks — all while helping to build a safer financial ecosystem for our customers. What You’ll Do Monitor transaction systems daily to detect unusual or suspicious activity. Investigate flagged transactions and assess customer behaviour and risk indicators. Approve, clear, or elevate alerts to ensure compliance with internal and regulatory frameworks. Apply enhanced due diligence measures for high-risk customers and manually release orders when appropriate. Suspend or restrict customer profiles where risk is identified, with clear documentation. Conduct monthly audits, corridor reviews, and spot checks to maintain data integrity. Compile and submit monthly reports and corridor insights for management and Financial Crime meetings. Partner with internal teams (Compliance, Risk, Operations) to strengthen transaction monitoring processes. Stay informed of evolving AML/CFT typologies, trends, and legislation in all relevant jurisdictions. Actively participate in team meetings, training, and awareness initiatives. What You’ll Bring Minimum 2 years’ experience in a Money Service Business (MSB) environment. Proven experience in Anti-Money Laundering (AML) or Financial Crime investigations. Relevant AML certification (e.g., ACAMS or equivalent). Strong understanding of FIC, SARB, and global AML/CFT frameworks. Knowledge of remittance operations and customer due diligence processes. Familiarity with Mukuru’s or similar AML systems and controls (advantageous). Skills & Competencies Advanced use of Power BI, Excel, Microsoft Teams, Outlook, Zendesk, and Asana. Excellent analytical and critical-thinking skills. Strong written and verbal communication abilities. Outstanding attention to detail and accuracy. Excellent time management and ability to prioritise under pressure. Integrity, discretion, and a proactive approach to problem-solving. Remote/work from home role at Mukuru: you must have uninterrupted internet connectivity and a ‘work-like’ environment at your home location, in order to deliver your best in terms of performance, productivity and service to our customers. If you do not receive any response after two weeks, please consider your application unsuccessful. NB: ALL STAFF APPOINTMENTS WILL BE MADE WITH DUE CONSIDERATION OF THE COMPANY’S DIVERSITY AND INCLUSION PLANS #J-18808-Ljbffr

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