AML Analyst

About the Company

Ziina's mission is to bring financial freedom to every person in the Middle East. We are building MENA's consumer and SMB financial platform, starting with a peer-to-peer and merchant wallet. Our team have backgrounds from Apple, Uber, Stripe, Klarna, Revolut, Yandex, and Nubank.

Responsibilities

• Review and investigate transaction monitoring alerts, unusual activity, and high-risk behaviors
• Assess customer activity against expected behavior, KYC/KYB profiles, and known typologies
• Draft high-quality internal STR/SAR and other AML reports
• Identify AML red flags, emerging typologies, and potential predicate offenses
• Ensure investigations are conducted in line with internal policies and local AML/CFT requirements
• Identify gaps or inefficiencies in AML workflows and propose improvements
• Partner with Fraud, Product, Engineering, and Operations teams to reduce AML risk upstream
• Contribute to initiatives aimed at automating AML reviews
• Maintain clear, structured case notes and investigation summaries for audit and regulatory review

Requirements

• 2+ years of experience in AML, financial crime investigations, and transaction monitoring within fintech, payments, or financial services
• Strong understanding of AML/CFT/CPF concepts and risk-based investigations
• Experience reviewing alerts and investigating unusual activity
• Ability to work independently in a fast-paced environment
• Strong written communication skills in English
• Ability to analyse large datasets and identify patterns and trends

Preferred Qualifications

• Experience with regulatory reporting tools such as goAML
• Experience with SQL or Python to support investigations
• Experience in high-growth fintech or payments environments
• Knowledge of CBUAE AML/CFT/CPF regulations
• Professional certifications such as CAMS, ICA, or CFCS
• Arabic language proficiency