Transaction Monitoring Analyst at Mukuru

About the Role

• As a Transaction Monitoring Analyst, you’ll be on the front line of detecting and preventing financial crime. You’ll analyse transactions across multiple countries and systems, investigate suspicious activity, and play a vital role in ensuring Mukuru remains compliant with global AML/CFT (Anti-Money Laundering / Counter-Financing of Terrorism) regulations.

You’ll work closely with the TMA Team Leader and other stakeholders to identify patterns, spot red flags, and take timely action against potential risks — all while helping to build a safer financial ecosystem for our customers.
What You’ll Do

• Monitor transaction systems daily to detect unusual or suspicious activity.
• Investigate flagged transactions and assess customer behaviour and risk indicators.
• Approve, clear, or escalate alerts to ensure compliance with internal and regulatory frameworks.
• Apply enhanced due diligence measures for high-risk customers and manually release orders when appropriate.
• Suspend or restrict customer profiles where risk is identified, with clear documentation.
• Conduct monthly audits, corridor reviews, and spot checks to maintain data integrity.
• Compile and submit monthly reports and corridor insights for management and Financial Crime meetings.
• Partner with internal teams (Compliance, Risk, Operations) to strengthen transaction monitoring processes.
• Stay informed of evolving AML/CFT typologies, trends, and legislation in all relevant jurisdictions.
• Actively participate in team meetings, training, and awareness initiatives.

What You’ll Bring

• Minimum 2 years’ experience in a Money Service Business (MSB) environment.
• Proven experience in Anti-Money Laundering (AML) or Financial Crime investigations.
• Relevant AML certification (e.g., ACAMS or equivalent).
• Strong understanding of FIC, SARB, and global AML/CFT frameworks.
• Knowledge of remittance operations and customer due diligence processes.
• Familiarity with Mukuru’s or similar AML systems and controls (advantageous).

Skills & Competencies

• Advanced use of Power BI, Excel, Microsoft Teams, Outlook, Zendesk, and Asana.
• Excellent analytical and critical-thinking skills.
• Strong written and verbal communication abilities.
• Outstanding attention to detail and accuracy.
• Excellent time management and ability to prioritise under pressure.
• Integrity, discretion, and a proactive approach to problem-solving.