Compliance Analyst (Transaction Monitoring & Screening)

Visa is a world leader in digital payments, facilitating payment transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Visa Cross-Border Solutions offers deep money movement capabilities to organisations globally, powered by Currencycloud technology. The Transaction Monitoring & Screening team detects, investigates and escalates potential financial crime risk across customer activity, payments and transactions to protect Visa Cross-Border Solutions from money laundering, terrorist financing, sanctions exposure, fraud and other financial crime threats.

• Experience in AML, financial crime investigations, transaction monitoring, sanctions compliance, or related risk-based compliance operations.
• Strong financial crime risk assessment skills and ability to interpret complex transaction activity.
• Excellent investigation, written communication, and case narrative skills.
• Ability to make sound risk-based decisions using complex or incomplete information and clearly explain rationale.
• Strong stakeholder management, communication, and influencing abilities.
• Ability to work under pressure while maintaining accuracy, prioritisation, and risk discipline.
• Experience coaching, mentoring, or supporting junior colleagues.

Nice to have:

• ACAMS, ICA, sanctions, or equivalent financial crime qualification.
• Experience within payments, fintech, banking, e-money, or cross-border financial services.
• Knowledge of AML typologies, sanctions frameworks, ownership and control concepts, PEP screening, adverse media, fraud risk indicators, and regulatory expectations.
• Experience supporting QA, calibration, process improvement, audit, governance, or control effectiveness reviews.
• Experience contributing to rule refinement, false-positive reduction, typology development, or operational readiness activities.

• Investigate complex financial crime alerts, customer activity, and higher-risk scenarios across real-time screening and retrospective monitoring.
• Analyse transactional behaviour, velocity, corridors, counterparties, customer risk indicators, sanctions exposure, and financial crime typologies.
• Assess potential money laundering, terrorist financing, sanctions, fraud, and other financial crime risks using a risk-based approach.
• Review evidence from multiple systems, RFI responses, supporting documentation, and external sources.
• Prepare detailed investigation narratives outlining evidence, judgment, escalation rationale, and recommendations.
• Support suspicious activity escalation processes and sanctions exposure reviews by identifying red flags and evidence.
• Provide technical coaching and guidance to Associates on investigation approach, alert disposition, documentation quality, and escalation standards.
• Participate in quality assurance, calibration, thematic reviews, and control effectiveness activities.
• Identify recurring false-positive drivers, typology themes, operational risks, process gaps, and control improvement opportunities.
• Contribute to monitoring rule optimisation, screening effectiveness reviews, typology development, and operational readiness for new controls.
• Support audit, governance, regulatory, client, and senior stakeholder requests with accurate case context and operational insight.
• Partner with Compliance, Product, Technology, and Operations stakeholders to improve financial crime controls.
• Maintain current knowledge of sanctions developments, AML typologies, fraud risk indicators, and regulatory expectations.

We are currently operating a hybrid working policy, with the expectation being 3 days per week in the Warsaw office.

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.