AML Analyst (Transaction Monitoring)
About
Swan is Europe’s embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their brand. Swan processes over €1.5 billion in monthly transactions for more than 150 companies such as Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from investors including 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 aim to become the central hub for managing every aspect of business life. There is a gap in financial workflows: tasks like managing cash flow, tracking payments, or reconciling accounts often happen outside the software. It should be integrated into the product itself.
To learn more about us: About Swan; Our story.
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 various internal or external requests requiring thorough analysis of account activity.
Your mission
Process alerts related to various transactions (cards, SEPA transactions, and international transactions) across 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 be victims of fraud.
Handle external legal requests from authorities or banking partners.
Participate in detecting trends and report them to second line to improve scoring rules.
Your team
The Transaction Monitoring Team operates with three dedicated teams (mix of junior and senior analysts) working on AML/TF/Fraud Alerts and Judicial Requests. We work closely with all Operational teams and the Financial Crimes unit to prevent bad actors from using Swan for illicit activities.
You’re a great match if:
You have 3+ years of experience in AML or Compliance, ideally in transaction monitoring in a fintech, payment provider, bank, consulting firm, or a similar fast-paced environment.
You have a solid understanding of French law and regulatory frameworks .
Strong analytical skills with an eye for detail , and the 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.
You have excellent working abilities in English .
Ideally, you have experience using modern tools such as Forest (CRM) and Zendesk (ticketing system), among others related to AML/Transaction monitoring.
Our ideal teammate: empathetic, skilled, frank. 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. Diversity makes the workplace stronger, and Swan is committed to improving in this area.
Perks of being a Swanee
Holidays : 25 days + RTT
Meal Vouchers : Meal voucher card to cover meals on work days.
Transport : Monthly mobility package for employees; supports sustainable mobility options.
Health insurance : Swan’s health and welfare insurance.
Sports : Discounts on subscriptions through a partner program.
Well-being support : Access to mental health and wellness resources.
Hybrid remote policy : Up to 2 days per week from home.
Offsite : Annual gathering for collaboration and relaxation.
Diversity and inclusion : Swan’s ongoing efforts to improve in this area.
Our values:
Swan’s values guide daily actions. They include:
Simplicity : Make complex things simple by breaking them down.
Long Term : Play the long game to support partners and climate action.
Excellence : Strive for excellence in banking services and partner satisfaction.
Be Human : Act with kindness, integrity, and consideration for broader issues.
You can find out more about our culture.
Recruitment process
A 30-minute video call with our Talent Acquisition Manager to understand your career expectations and questions.
A 45-minute video call with AML team managers.
A home case study followed by a 45-minute presentation with the Head of Transaction Monitoring.
A 45-minute video call with a Senior AML Analyst.