AML Analyst (Transaction Monitoring)

About Swan

Swan is Europe’s embedded banking specialist. We empower software companies to embed banking features such as accounts, cards, and payments directly into their products, under their own brand. Swan processes over €1.5 billion in monthly transactions for more than 150 companies – including Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance, and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR).

Our Mission

Banking belongs in business software. Many software companies already serve small businesses well, helping them send invoices, run payroll, manage inventory, and more. They are on a mission to become the central hub for managing every aspect of business life. However, critical financial tasks like managing cash flow, tracking payments, and reconciling accounts often happen outside the software, across spreadsheets, email threads, and banking portals. This is a missed opportunity. Business software should not just record financial activity – it should run it.

Job Description

Attached to the AML team and working closely with the Risk and Operations teams, your primary responsibility will be to proactively monitor clients’ transactional activities to protect the company against fraudulent activities, money‑laundering risks, financial risks, and reputation risks. You will also handle internal or external requests that require a thorough analysis of account activity.

Your Mission

• Process alerts related to various transactions (cards, SEPA transactions, and international transactions) across various client types (individual accounts, freelancers, businesses).
• Manage communication with end‑clients and partners when suspicious activity is detected to gather supporting documentation.
• Analyze and address customer requests that may relate to fraud victims.
• Handle external legal requests sent by authorities or banking partners.
• Participate in detecting trends and report them to the second line to improve our scoring rules.

Your Team

The Transaction Monitoring Team operates with three dedicated groups (mix of junior and senior analysts) working on AML/TF/Fraud alerts and judicial requests. We collaborate closely with all operational teams and our Financial Crimes unit to prevent illicit activities.

Qualifications

• 3+ years of experience in AML or compliance, ideally in transaction monitoring in a fintech, payment provider, bank, consulting firm, or similar fast‑paced environment.
• Solid understanding of French law and regulatory frameworks.
• Strong analytical skills with an eye for detail and ability to adhere to strict processes.
• Effective communication with internal and external stakeholders.
• Curious mindset and flexibility to adapt to changing requirements in an evolving environment.
• Excellent working ability in English.
• Experience using modern tools such as Forest (CRM), Zendesk (ticketing system), and other AML/transaction monitoring‑related tools is desirable.
• We value empathy, skill, and frankness. We challenge each other and leave egos at the door.

It’s okay if you don’t tick all the boxes – don’t let imposter syndrome prevent you from applying!

Swan is committed to providing a caring work environment for all employees, regardless of age, sex, disability, sexual orientation, race, religion, or belief. When it comes to recruitment, we’re interested in your work experience, skills, and overall personality. Because diversity makes the workplace stronger and is necessary for Swan’s success, we are intensifying efforts to incorporate concrete actions to improve in this area.

Perks of Being a Swanee

• Holidays: 25 days + RTT.
• Meal vouchers: we provide a meal voucher card for workdays.
• Transport: a monthly mobility package for employees, usable for alternative commuting modes.
• Health insurance (mutuelle): Alan.
• Sports: discounts on subscriptions through Classpass.
• Well‑being support: access to Moka Care for mental health and wellness.
• Hybrid remote policy: two days per week working from home.
• Offsite: annual gathering to reconnect, deep‑dive into big topics, and relax.
• We continually work on improving diversity and inclusion.

Our Values

Simplicity: We strive to make complex things simple. If something is convoluted or confusing, we work extra hard to break it down.

Long Term: We play the long game, supporting partners in their growth journey and making tangible commitments to climate action.

Excellence: We are a team of experts who consistently go all out to create pixel‑perfect banking services and exceed our partners’ expectations.

Be Human: We believe in the power of kindness and the importance of acting with integrity. Embracing humanity extends beyond interpersonal interactions to caring about broader issues affecting our planet.

Recruitment Process

• 30‑minute video call with our Talent Acquisition Manager to discuss career expectations and answer questions.
• 45‑minute video call with our AML team managers.
• A home case study followed by a 45‑minute presentation with the Head of Transaction Monitoring.
• 45‑minute video call with a Senior AML Analyst.