Financial Crime Investigator – AML/CTF

Why Tyro?

At Tyro, we’re into business big time. Through our integrated payments, banking and lending solutions, we’re here to ensure nothing stands in the way of Australian business success. With over 21 years' experience under our belt, we know what it takes to build something great, which is why we combine the best people, technology, and partners to deliver simplified payments and seamless business banking to our customers. We’re proud to power more than 76,000 merchants across Australia and to work with almost 800 partners to create seamless experiences for hospitality, retail, services and health providers.

It starts with You.

Just like our customers, we’re obsessed with the success of our people. So, when you come onboard, we’ll give you all the support you need to do your best work. Our close to 600 Tyros are a highly collaborative team, so you’ll get to work with smart, motivated and friendly people across Tyro. We are fast paced and innovative and strive to live our values everyday – commit to greatness, stay hungry, wow the customer, be good and win together! We are big enough for you to have opportunities to have a career at Tyro and small enough that you can have a real impact. As we continue our mission to shake things up and make payments the easiest part of doing business, you’ll have the opportunity to learn new skills with hands-on experience, further your career, and help unleash the potential of our customers, one payment at a time.

🎥 Step inside life at Tyro here.

About the role

As an AML/CTF Investigator, you will play a critical role in identifying, assessing, and escalating financial crime risks across customer onboarding, transaction monitoring, customer screening, and ongoing customer due diligence activities. Combining investigative expertise, analytical thinking, and sound judgement, you will deliver high-quality outcomes that strengthen Tyro’s control environment and support compliance with regulatory obligations.

You will work closely with stakeholders across Financial Crime, Risk, Compliance, and Operations to identify emerging risks, improve investigative practices, and contribute to the ongoing evolution of Tyro’s financial crime capabilities.

What you'll do

Investigation & Risk Assessment

• Conduct end-to-end investigations across transaction monitoring, customer screening, onboarding, and ongoing customer due diligence activities.

• Analyse customer behaviour, transactional activity, and risk indicators to identify potential financial crime concerns.

• Apply a risk-based approach to assess complex scenarios and determine appropriate actions and outcomes.

• Document investigations clearly and consistently in accordance with AML/CTF obligations, internal policies, and quality standards.

Suspicious Matter Reporting & Escalation

• Identify and escalate suspicious activity in line with regulatory obligations and Tyro’s risk appetite.

• Prepare high-quality Suspicious Matter Reports (SMRs) and supporting documentation.

• Collaborate with Financial Crime, Compliance, and Risk teams to support effective management of financial crime risks.

Operational Excellence & Continuous Improvement

• Contribute to the enhancement of investigative processes, controls, and operating procedures.

• Identify opportunities to improve efficiency, effectiveness, and customer outcomes while maintaining compliance standards.

• Support the development of typologies, intelligence resources, and knowledge-sharing initiatives that strengthen team capability.

• Contribute to quality assurance activities and continuous improvement initiatives across Financial Crime Operations.

What you'll bring

Experience

• Experience in Financial Crime, AML/CTF Operations, Transaction Monitoring, Customer Screening, Customer Due Diligence, Fraud Investigations, or a related risk management function.

• Experience conducting investigations and making risk-based decisions in a regulated environment

• Experience preparing Suspicious Matter Reports (SMRs), Enhanced Customer Due Diligence (ECDD), KYC reviews, customer screening investigations, or transaction monitoring investigations is highly regarded

• Experience in financial services, payments, banking, fintech, or a related industry is desirable.

Knowledge

• Understanding of AML/CTF obligations and financial crime regulatory frameworks, particularly AUSTRAC requirements.

• Knowledge of transaction monitoring systems, customer due diligence requirements, sanctions screening, and financial crime typologies.

• Understanding of financial crime risks across customer onboarding, payments, and ongoing customer monitoring.

Skills

• Strong analytical, investigative, and problem-solving skills.

• Ability to identify patterns, trends, and emerging risks from customer and transactional data.

• Excellent written communication and report-writing capability.

• High levels of integrity, professional scepticism, and sound judgement.

• Strong organisational skills with the ability to manage competing priorities and meet regulatory timeframes.

• A continuous improvement mindset with a focus on operational excellence and risk management outcomes.

• Ability to collaborate effectively with stakeholders across operational, risk, compliance, and business teams.

What’s in it for you?

We’ve worked hard to create an environment that’s big on diversity, inclusion, and flexibility, and one that suits the changing needs of team members across Australia. Here are just some of the things Tyros tell us they love about working here.

You’ll also receive:

• A mix of in-office and remote working (3 days in the office)

• Learning and career development opportunities

• 18 weeks paid primary carers leave

• 12 weeks paid secondary carers leave

• Annual team-based volunteer day

• Birthday Leave

• Power Up Day (Additional day of leave)

• Weekly team social events, snacks, craft beer and wine, ping pong and video games

• Taco Tuesdays

• Mental health and wellness initiatives

• Novated leasing

Tyro is committed to a diverse, inclusive workplace where everyone thrives. We welcome applicants of all backgrounds and are an equal opportunity employer. If you need accommodations or adjustments at any stage of the recruitment process, simply inform our Talent team during your conversation with them.

Still with us?

If you’ve got this far, then you might just be a great fit for us. Don’t tick all the boxes above? That’s ok, apply anyway and our Talent team will review your profile - you might be a fit for future roles.

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