Transaction Monitoring Operations Analyst

Hello! We're Teya.

Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance.

At Teya we believe small, local businesses are the lifeblood of our communities.

We're here because we don't believe there's a level playing field that gives small businesses with a fighting chance against the giants of the high street.

We're here because we see banks and legacy service providers making things harder for them. We don't think the best technology or the best service should be reserved for those with the biggest headquarters.

We're here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us.

Become a part of our story.

We're looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.

As a Transaction Monitoring Operations Analyst at Teya, you will play a critical role in protecting our financial services infrastructure by reviewing customer transactions and behaviour, identifying suspicious activity, and supporting investigations that help prevent fraud, money laundering, and terrorist financing.

You will work across all of Teya's products, analysing transaction data, reviewing monitoring alerts, and escalating high-risk cases to second-line teams as appropriate. You will also contribute to process improvements and help ensure our monitoring systems remain effective and compliant with AML regulations.

This is a hands-on investigative role in a fast-paced environment, where accuracy, attention to detail, and a proactive approach are key.

Key Objectives
Operational Monitoring & Investigation

• Review acquiring and business account transactions, customer use, and behaviour to identify potential indicators of fraud, money laundering, terrorist financing, or breaches of card scheme requirements.

• Draft detailed internal Suspicious Activity Reports (SARs) for review by second-line teams.

Data Analysis & Trends

• Analyse transaction data to identify patterns, anomalies, and emerging threats.

• Suggest potential transaction monitoring rule enhancements to your team leader.

Collaboration & Communication

• Work closely with colleagues in Compliance, Fraud, and Onboarding to ensure seamless case handling.

• Share relevant insights with the team to improve awareness of emerging risks.

Process & System Support

• Follow Standard Operating Procedures (SOPs) and contribute suggestions for process optimisation.

• Support testing and feedback for monitoring system improvements.

Time & Quality Management

• Ensure all cases are completed within SLA timelines and to high quality standards.

• Maintain accurate and complete case records for audit and reporting purposes.

Job Requirements
Essential

• Minimum 1-2 years of experience in transaction monitoring, fraud prevention, or AML investigations (payments or business banking preferred).

• Knowledge of AML/CTF regulations and card acquiring/business banking operations.

• Strong analytical skills with the ability to interpret complex data (SQL skills desirable).

• Excellent organisational skills with a high level of attention to detail.

• Strong written and verbal communication skills.

• Ability to work to SLAs and KPIs in a fast-paced environment.

Desirable

• AML qualification such as ICA, ACAMS, or equivalent.

• Experience with transaction monitoring and screening tools (e.g., Actimize, Mantas, World-Check, Dow Jones).

• Experience preparing Suspicious Activity Reports.

Teya is proud to be an equal opportunity employer.

We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all.

If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application-we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.