Monitoring Specialist

We are looking for a motivated and detail-oriented

Monitoring Specialist

to join our growing team.

In this role, you will support the day-to-day monitoring of merchant activity and payment transactions, helping identify unusual or suspicious behavior and ensuring compliance with AML/CFT requirements.

Your role at xpate

• Review sanctions, PEP and adverse media alerts.
• Perform screening using monitoring solutions such as Sumsub, LexisNexis, WebShield, G2 Risk Solutions and other internal systems.
• Conduct periodic client reviews for Low and Medium Risk clients and assist in preparing EDD reports for the higher risk tiers.
• Perform test purchases and document investigation results.
• Monitor regulatory updates and developments and merchant regulations.
• Review card scheme alerts.
• Assist with merchant integration into monitoring systems and maintain monitoring registers.
• Prepare information requests (RFIs) and control follow ups with internal stakeholders where additional information is required.
• Maintain accurate investigation records and case documentation.
• Assist with merchant termination processes and monitoring off-boarding activities.
• Escalate material findings to senior analysts in accordance with internal procedures.
• Contribute to continuous improvement of monitoring procedures and documentation.
• Work closely with Compliance, Risk, Operations, and Merchant Onboarding teams to support effective risk management.
• Keep up to date with AML/CFT requirements and emerging risks related to merchant acquiring.
• We’re ready to meet you, if…
• 1–2 years of experience in AML, Compliance, Financial Crime, Payments or FinTech.
• Basic understanding of AML/CFT principles.
• Strong analytical thinking and attention to detail.
• Ability to review large amounts of information and identify inconsistencies.
• Excellent organisational skills and ability to prioritise workload.
• Good written and verbal communication skills in English (B2 or above).
• A willingness to learn and develop within Financial Crime and Client Risk.

What working at xpate looks like

• A dynamic work environment with real ownership, practical challenges, and continuous learning opportunities.
• The opportunity to work on real fintech infrastructure in a regulated international environment.
• Flexible working hours and a hybrid working model.
• Private health insurance.
• Paid time off and additional company benefits.
• Close collaboration with compliance, risk, product, operations, finance, and IT teams.
• A chance to contribute to a modern function supported by automation, structured data, and scalable workflows.
• A collaborative team culture where initiative, curiosity, and accountability are valued.
• Why join xpate?

W

e’re building the financial backbone of the future — where payments move freely and businesses grow without barriers. If you want real impact, freedom to innovate, and work that drives change,

xpate is the place for you

.