Transaction Monitoring Compliance Officer

Transaction Monitoring & Analysis

• Review and analyse AML transaction monitoring alerts, with particular focus on higher-risk and unusual transactions;
• Conduct in-depth analysis of transactional patterns and client account activity in order to identify potential AML/CFT risks, inconsistencies or unusual behaviour;
• Assess transactions against the client’s KYC profile, expected account activity, source of wealth/source of funds and overall purpose of the banking relationship;
• Analyse complex financial flows involving multiple accounts, entities, jurisdictions and counterparties;
• Perform second-line review and challenge of clarifications and supporting documentation obtained by the First Line of Defense;
• Conduct additional research and analysis where necessary to reach a documented and risk-based conclusion.

Escalation & Investigations

• Identify transactions or patterns requiring further investigation and escalate potentially suspicious cases to the AML Investigations team in accordance with internal procedures;
• Escalate material, sensitive or urgent AML matters to management where appropriate;
• Prepare clear, concise and well-supported written assessments documenting the analysis performed, identified risks and conclusions reached.

Risk Management & Regulatory Compliance

• Ensure that transaction monitoring alerts and related reviews are handled within applicable regulatory and internal deadlines;
• Apply the Bank’s AML/CFT policies, procedures and risk appetite consistently;
• Maintain a sound understanding of the Swiss AML regulatory framework, including AMLA, AMLO, OBA-FINMA and other relevant FINMA requirements;
• Identify emerging transactional risks, typologies and recurring patterns and contribute to improvements in monitoring processes and controls.

Stakeholder Management

• Interact regularly with Relationship Managers and First Line of Defense teams to obtain necessary information and challenge explanations where appropriate;
• Collaborate with other Compliance functions, including Investigations (AML/Sanctions) and other Financial Crime Compliance teams;
• Liaise with other relevant internal stakeholders, including Legal, Tax and Operations, on complex cases;
• Provide practical AML guidance to Front Office and other stakeholders while maintaining an independent second-line risk assessment.

Continuous Improvement

• Contribute to the enhancement of transaction monitoring processes, procedures and controls;
• Participate in testing, remediation exercises, audits and regulatory reviews related to transaction monitoring activities;
• Support the implementation and optimisation of transaction monitoring tools and scenarios;
• Contribute to knowledge sharing within the team and, depending on seniority, provide guidance and support to less experienced colleagues.

Your assets to succeed

• University degree in Swiss Law, Economics, Finance, Business Administration or another relevant field;
• Approximately 3–10 years of relevant professional experience, preferably within Compliance, Financial Crime Compliance, AML or Transaction Monitoring;
• Previous experience in a Swiss bank, particularly within Private Banking or Wealth Management, is strongly preferred;
• Good understanding of the Swiss AML/CFT regulatory framework and related banking requirements;
• Professional qualifications such as a CAS in Compliance or equivalent certification are an advantage.

Skills & Competencies

• Strong analytical and investigative mindset, with the ability to understand and reconstruct complex financial flows;
• High attention to detail combined with the ability to identify the key risk issues and maintain an overall view of a case;
• Sound judgement and ability to formulate clear, risk-based conclusions and escalation decisions;
• Intellectual curiosity and willingness to challenge information and explanations where necessary.
• Strong written communication skills, with the ability to produce clear, concise and well-structured AML assessments;
• Ability to prioritise workload and manage multiple cases while meeting strict deadlines;
• Comfortable working independently and taking ownership of assigned cases;
• Proactive, pragmatic and solution-oriented approach;
• Strong interpersonal skills and ability to interact effectively with Front Office, Compliance colleagues and senior stakeholders;
• Team-oriented mindset and willingness to contribute to collective objectives;
• Comfortable working with transaction monitoring systems, banking applications and new IT tools.
• Fluent French and English, both written and spoken. Additional languages are an asset.

Step into the action!

• Family-friendly and dynamic environment;
• Direct impact on the business, no matter your position or seniority;
• Work in an environment that encourages autonomy and entrepreneurship;
• Flexible working arrangements to help you achieve a better work-life balance;
• Variety of cultural and sporting activities during your free time;
• Inclusion and equal treatment;
• Various employee benefits & family friendly benefits.