À propos de ce poste Group Transaction Monitoring Analyst chez Capital
Capital · Hybride · Sofia City, Bulgaria
We are a leading trading platform that is ambitiously expanding to the four corners of the globe. Our top-rated products have won prestigious industry awards for their cutting-edge technology and seamless client experience. We deliver only the best, so we are always in search of the best people to join our ever-growing talented team.
The Group Transaction Monitoring (TM) L3 Analyst plays a critical role in the detection, investigation, and reporting of financial crime across Capital.com's global entity footprint. The role sits within the Alert Operations pillar of the Group TM function, reporting to the Group Head of Transaction Monitoring, and handles the most complex end-to-end investigations from escalated alert review through to SAR/SMR/STR preparation, entity MLRO liaison, and cross-jurisdictional pattern analysis.
Candidates must demonstrate hands-on experience conducting complex TM investigations, drafting SARs/SMRs/STRs to a regulatory standard, and making independent disposition decisions on high-risk cases within a regulated financial services environment.
The L3 Analyst operates with a high degree of autonomy. Where genuine suspicion is formed, the referral pack is submitted directly to the entity MLRO and is not subject to management approval. The Head of TM or Deputy may conduct a quality review before submission; any disagreement with the analyst's assessment is documented and both views are submitted to the MLRO together.
Candidates must demonstrate hands-on experience conducting complex TM investigations, drafting SARs/SMRs/STRs to a regulatory standard, and making independent disposition decisions on high-risk cases within a regulated financial services environment.
The L3 Analyst operates with a high degree of autonomy. Where genuine suspicion is formed, the referral pack is submitted directly to the entity MLRO and is not subject to management approval. The Head of TM or Deputy may conduct a quality review before submission; any disagreement with the analyst's assessment is documented and both views are submitted to the MLRO together.
Responsibilities
- Conduct complex investigations on escalated alerts: full transaction history review, source of funds and wealth analysis, beneficial ownership checks, open-source intelligence gathering, and cross-entity pattern analysis
- Prepare high-quality SAR/STR narratives and supporting evidence packs to a standard suitable for entity MLRO review and regulatory filing, in accordance with regulatory timeframes and internal quality standards
- Make independent disposition decisions on the most complex alerts, documenting rationale to an auditable standard — for the highest-risk alert categories, dispositions are subject to QC sampling and senior review
- Perform background checks and contextual research on counterparties and entities linked to alerts using public and subscription databases
- Maintain clear audit trails ensuring all investigative steps, conclusions, and rationale are accurately captured in the case management system
- Liaise with entity MLROs on SAR filings, responding to queries and providing supplementary evidence where required
- Liaise with external counsel and regulators where required, under the direction of the Head of TM
- Mentor L1 and L2 analysts on investigation techniques and complex typology recognition
- Support thematic reviews of specific client segments, typologies, or products as directed by the Head of TM or QA and Governance
- Proactively identify process improvements and suggest control enhancements to strengthen detection and reporting capability
Requirements
- Minimum four years in financial crime investigation, transaction monitoring, or AML/CTF compliance, with at least two years conducting complex investigations and drafting SARs/SMRs/STRs
- Experience working in or with CFD brokers, forex brokers, investment firms, or fintech platforms offering leveraged trading products
- Demonstrated exposure to end-to-end TM investigation, alert disposition, and SAR/STR preparation within a regulated financial services environm
- Strong analytical and investigative mindset with the ability to interpret complex transactional datasets across multiple accounts and entities
- Excellent drafting and case-writing skills — SAR narratives must be clear, factual, well-structured, and defensible
- Sound understanding of AML/CTF regulations, ML/TF typologies, and red-flag indicators relevant to online trading platforms, including deposit-withdrawal cycling, structuring, trade-based laundering, deliberate loss, and geographic and identity anomalies
- Independent decision-making on complex cases with the ability to distinguish genuine suspicious activity from unusual but explainable client behaviour
- High attention to detail, organisation, and accountability in documentation
- Risk-based mindset — this role produces the team's most consequential written output and is not a process-following exercise
- Desirable: ICA Certificate or Diploma in AML or Financial Crime, CAMS, or equivalent
What you will get in return:
• Competitive Salary: We believe great work deserves great pay! Your skills and talents will be rewarded with a salary that makes you feel valued and motivated.
• Work-Life Harmony: Join a company that genuinely cares about you - because your life outside of work matters just as much as your time on the clock. #LI-Hybrid
• Generous Time Off: Need a breather? Our annual leave policy lets you recharge and enjoy life outside of work without a worry.
• Employee Referral Program: Love working here? Share the love! Bring your talented friends on board and get rewarded for growing our awesome team.
• Comprehensive Health & Pension Benefits: From medical insurance to pension plans, we’ve got your back. Plus, location-specific benefits and perks!
• Workation Wonderland: Live your digital nomad dreams with 30 extra days to work remotely from anywhere in the world (some restrictions apply). Adventure awaits!
• Volunteer Days: Make a difference! Take two additional paid days each year to support causes you care about and give back to the community.
Be a key player at the forefront of the digital assets movement, propelling your career to new heights! Join a dynamic and rapidly expanding company that values and rewards talent, initiative, and creativity. Work alongside one of the most brilliant teams in the industry.
Applicable for Poland: Our company has an Internal Reporting Procedure. It is available from the Human Resources Department upon request [email protected]. You may report a violation referred to in the Procedure under the terms specified therein.
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