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Product Analyst - Risk & Anti Money Laundering – Tallinn

We’re looking for a Product Analyst to join our growing Anti Money Laundering Product team in Tallinn.

The main objective of the role is to extend our AML team capabilities in terms of scalability and quality when it comes to money laundering detection. Today, we have a fully compliant AML function running technically and operationally. Automated rules are monitoring customer behaviour and identifying potential suspicious activity. We have an in-house-built machine learning technology.

However, as TransferWise is rapidly expanding globally and is building new products for new kinds of customers, we must stay ahead of the curve with new risks and controls, detecting new scenarios in potential crime, but keeping the size of our existing operations team under control.

For that, we need a risk analyst who can understand AML/CTF risks, freely jump into customer data, crunch it, uncover new suspicious activities, analyze and process it, and feed the learnings to our monitoring team and product.

So, what's the job?

  • You understand AML/CTF risks and how to mitigate them. You work with Money Laundering Reporting Officer, regional compliance officers, AML/CTF investigators and various TransferWise product engineering teams to build understanding of TransferWise AML/CTF risks - due to regions we operate in, types of customers, types of products we offer, etc. You understand the impact, requirements and constraints to our product.
  • You build systems to identify suspicious activity. You work hands-on with data, machine learning, with our AML investigators and other AML analysts to build systems that monitor and alert suspicious activity to our AML investigators. You will be constantly looking out for new types of crime and trying to make the monitoring systems more accurate. Supporting it with keeping up to date with recent trends in financial crime.
  • You make it scale. You work with data, with AML operations and product engineering team to reduce the proportion of good customers bothered and scale manual processes to keep the size of our existing operations team under control. 

This role will give you the opportunity to:

  • Learn and grow in a fast paced fintech compliance world.
  • Be flexible in how and where you work, we understand everyone needs a little something different so we’ll do our best to make it happen. 

A bit about you:

  • Passion for preventing crime. You are able to distinguish bad and good behaviour and care about stopping the bad guys.
  • Customer focus and emotional intelligence. - At TransferWise, good customers always come first. You go beyond the numbers and understand how the customer is using our product, combining data analysis with customer empathy.
  • A head for numbers. You are data-driven, analytical and detail-oriented. You need to be able to prioritise the value you can add to customers, and numbers are the best way to do this. You can give examples of how you have moved some metrics before.
  • Ability to crunch data. You have SQL skills and working experience as a data analyst.   You are a good friend with tools that help to analyze and/or visualize data - for example  Excel, R, Python, Looker, Tableau.
  • Team player.
    • Effectively work and communicate with product teams, analysts, compliance, etc inside and outside the AML/CTF team
    • Ability and interest to help with complex investigations when requiring new data points
    • Feed in new ideas about behaviors that monitoring team should pay attention to
  • Independence and autonomy. You make things happen instead of wondering why things happened. You are not afraid to roll up your sleeves and take responsibility. You don’t expect anyone to tell you what exactly to do / how to plan your day / where to look for potential criminals.
  • You’re ready to travel to work with our team in London, our other core KYC office, or other TransferWise locations like Budapest, Singapore or New York.

Extra skills that would be awesome:

  • Anti-Money Laundering / Compliance / KYC domain knowledge. You have experience working in the AML/CTF domain or have deep understanding of AML/CTF regulatory framework. Words like “placement”, “layering” and “integration”, “smurfing” and SAR are in your vocabulary.

A bit about TransferWise:

Since 2011, we’ve had a clear mission: money without borders. Built by and for people who live global lives, we’re the fairest, easiest way to manage your money across borders.

We’re just at the beginning of our story and we’re growing at an incredible pace. We won’t stop until anyone, anywhere can send, spend and receive money wherever they are, whatever they’re doing. There’s still heaps to do and we can’t do it alone.

Our People:

At TransferWise, you’ll be joining a movement of people who believe in a better, fairer, more transparent way of moving money around the world. You’ll collaborate to do your best work and take on problems that no one has looked at before.

If you’re keen to learn, grow, try new things and aren’t afraid of a bold plan, you’ll fit right in.

How we work:

At TransferWise our strategy emerges from the collective brainpower of all our people, who are organised in dozens of independent, autonomous teams. Teams stay closest to our customers, so they choose what problems to solve and where to spend the most time.

You’ll experience radical levels of ownership and empowerment within your role. Plus the opportunity to see the direct impact of your work on our customers.



Some important stuff we would like you to know

To meet our regulatory obligations as a licensed financial services company, TransferWise needs to take background checks on all new hires, which may include Criminal and Credit checks. Please discuss with the Recruiter if you have any concerns regarding this process.

At TransferWise we believe in fostering a diverse and inclusive workplace. Therefore, we want to make sure that our recruitment process is accessible to everyone. So if you need any reasonable adjustments – at any point in the process – we’ll do our best to help. Just let us know what you need on your application form or reply with your request to the email we send you after you have applied. You might need a reasonable adjustment if you’ve got a disability. Or maybe you live overseas, and you’d prefer to meet us over Skype.

Please don’t send anything to the adjustments address if you’re a recruiter, or if you’re making a speculative application. We do work with recruiters from time to time – but only through LinkedIn. And we only accept job applications when a position is actually open. So you’re better off just checking the recruitment pages regularly.