Transaction Monitoring Specialist

Mercuryo is seeking a detail-oriented Transaction Monitoring Specialist with a minimum of 2 years’ experience in a similar role within the financial services or crypto industry. The successful candidate will be responsible for monitoring and analyzing both crypto and fiat transactions to detect potential financial crime. Using specialized tools such as Chainalysis KYT, Chainalysis Reactor, and dedicated fiat transaction monitoring systems, you will play a key role in ensuring compliance with AML regulations and internal policies. This role also requires direct support to the Enhanced Due Diligence (EDD) process by analyzing client responses to Requests for Information (RFIs), particularly around Source of Funds (SoF) and Source of Wealth (SoW). The Analyst will further contribute to ongoing monitoring by performing periodic reviews of higher-risk users.

Your Role:

• Continuously review and monitor daily transaction flows using automated monitoring systems and manual review techniques.
• Analyze blockchain transactions using Chainalysis KYT and conduct in-depth investigations with Chainalysis Reactor for flagged activities.
• Monitor fiat transactions via dedicated monitoring tools to identify irregular patterns and potential AML risks.
• Identify, document, and escalate suspicious activities in line with AML/KYC regulations.
• Prepare Internal Suspicious Activity Reports (ISARs) and escalate high-risk cases to the MLRO/Compliance team.
• Maintain comprehensive records and audit trails of investigations for regulatory purposes.
• Assist in the collection and review of user documentation (e.g., SoF/SoW evidence, counterparties, and purpose of transactions).
• Assess responses to Requests for Information (RFIs) for consistency, completeness, and legitimacy.
• Provide recommendations to Compliance on whether additional clarification or escalation is required.
• Support the preparation of material for potential SAR/STR filings when suspicious activity is identified.
• Conduct scheduled periodic reviews on high-risk users, ensuring customer profiles remain up to date and aligned with their transactional activity.