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: <ul style="margin-top:0;margin-bottom:0;"><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Review sanctions, PEP and adverse media alerts.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Perform screening using monitoring solutions such as Sumsub, LexisNexis, WebShield, G2 Risk Solutions and other internal systems.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Conduct periodic client reviews for Low and Medium Risk clients and assist in preparing EDD reports for the higher risk tiers.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Perform test purchases and document investigation results.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Monitor regulatory updates and developments and merchant regulations.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Review card scheme alerts.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Assist with merchant integration into monitoring systems and maintain monitoring registers.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Prepare information requests (RFIs) and control follow ups with internal stakeholders where additional information is required.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Maintain accurate investigation records and case documentation.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Assist with merchant termination processes and monitoring off-boarding activities.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Escalate material findings to senior analysts in accordance with internal procedures.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Contribute to continuous improvement of monitoring procedures and documentation.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Work closely with Compliance, Risk, Operations, and Merchant Onboarding teams to support effective risk management.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Keep up to date with AML/CFT requirements and emerging risks related to merchant acquiring.</li></ul> We’re ready to meet you, if… <ul style="margin-top:0;margin-bottom:0;"><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">1–2 years of experience in AML, Compliance, Financial Crime, Payments or FinTech.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Basic understanding of AML/CFT principles.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Strong analytical thinking and attention to detail.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Ability to review large amounts of information and identify inconsistencies.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Excellent organisational skills and ability to prioritise workload.</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Good written and verbal communication skills in English (B2 or above).</li><li style="list-style-type:disc;font-size:11pt;font-family:Montserrat, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">A willingness to learn and develop within Financial Crime and Client Risk.</li></ul> What working at xpate looks like: <ul style="border:0px solid;margin-top:0px;margin-bottom:0px;font-size:14px;font-style:normal;font-weight:400;text-transform:none;font-family:Inter, '-apple-system', 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', 'Open Sans', 'system-ui', '-apple-system', 'Segoe UI', Roboto, Ubuntu, Cantarell, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji';background-color:rgb(255,255,255);"><li style="border:0px solid;margin:0px;list-style-type:disc;font-size:14px;font-family:Arial, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">A dynamic work environment with real ownership, practical challenges, and continuous learning opportunities.</li><li style="border:0px solid;margin:0px;list-style-type:disc;font-size:14px;font-family:Arial, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">The opportunity to work on real fintech infrastructure in a regulated international environment.</li><li style="border:0px solid;margin:0px;list-style-type:disc;font-size:14px;font-family:Arial, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Flexible working hours and a hybrid working model.</li><li style="border:0px solid;margin:0px;list-style-type:disc;font-size:14px;font-family:Arial, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Private health insurance.</li><li style="border:0px solid;margin:0px;list-style-type:disc;font-size:14px;font-family:Arial, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Paid time off and additional company benefits.</li><li style="border:0px solid;margin:0px;list-style-type:disc;font-size:14px;font-family:Arial, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">Close collaboration with compliance, risk, product, operations, finance, and IT teams.</li><li style="border:0px solid;margin:0px;list-style-type:disc;font-size:14px;font-family:Arial, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">A chance to contribute to a modern function supported by automation, structured data, and scalable workflows.</li><li style="border:0px solid;margin:0px;list-style-type:disc;font-size:14px;font-family:Arial, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;">A collaborative team culture where initiative, curiosity, and accountability are valued.</li></ul> Why join xpate? We’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.

Monitoring Specialist @ Xpate

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