AML Officer (Fintech)

TL;DR

AML Officer (Fintech): Managing day-to-day financial crime controls including alert review, customer due diligence, and suspicious matter reporting with an accent on Australian regulatory compliance and AUSTRAC lodgement. Focus on applying human judgment to AI-assisted workflows, conducting EDD for high-risk clients, and ensuring audit-quality documentation.

Location: Hybrid in Melbourne, Victoria, Australia

Company

A leading award-winning trading platform expanding globally with a focus on cutting-edge technology and seamless client experience.

What you will do

• Review AML transaction monitoring alerts, document outcomes, and escalate suspicious matters.
• Draft Suspicious Matter Reports (SMRs) and other regulatory reports for AUSTRAC lodgement.
• Conduct customer due diligence (CDD), enhanced due diligence (EDD), and ongoing reviews for higher-risk clients.
• Manage sanctions, PEP, and adverse media screening hits with documented rationale.
• Assess source-of-funds and source-of-wealth documentation across various client profiles.
• Provide human oversight over AI-assisted AML workflows and provide guidance to first-line teams.

Requirements

• 3–5 years of AML operations or strong general compliance experience within a regulated financial services firm.
• Working knowledge of Australian AML obligations, including the AML/CTF Act, AML/CTF Rules and AUSTRAC guidance.
• Experience drafting SMRs and applying the "reasonable grounds to suspect" test in practice.
• Confidence working with transaction monitoring, sanctions screening, and KYC platforms.
• Sound judgement on source-of-funds and source-of-wealth documentation.
• Clear written English suitable for regulator-facing case files.

Nice to have

• ACAMS, ICA or equivalent AML qualification.
• Exposure to CFDs, derivatives, or other leveraged products.
• Experience in a multi-entity or multi-jurisdiction group structure.
• Familiarity with common onboarding, KYC, and screening platforms.

Culture & Benefits

• Competitive salary and comprehensive health and pension benefits.
• Focus on work-life harmony with generous annual leave.
• Workation perk: 30 extra days per year to work remotely from anywhere in the world.
• Two additional paid volunteer days each year.
• Employee referral program for growing the team.