Quality Assurance Analyst – Transaction Monitoring

Quality Assurance Analyst – Transaction Monitoring

Location: Luxembourg

Hybrid working with up to two remote working days per week

Step into a key role in our financial crime team, helping ensure our transaction monitoring investigations and decisions meet a consistently high standard. You’ll review completed cases, identify gaps and work with colleagues to improve the quality of investigations, documentation and escalation decisions.

If you have a strong eye for detail, sound judgement and enjoy helping teams improve, we’d love to meet you.

Our mission

3S Money is reinventing international business banking. Founded in 2018, our mission is to help growing businesses send, receive and exchange money in over 190 countries. With offices in five countries and over 200 employees, you’ll be joining a high-energy, high-impact team that’s achieved profitability and has a wealth of opportunity ahead.

Our culture

At 3S Money, we believe in caring personally, staying curious and making an impact through collaboration, not competition. Our culture is transparent, with minimal hierarchy and a commitment to each employee’s professional growth.

What you’ll be doing

• Conducting risk-based quality assurance reviews of transaction monitoring alerts, investigations and associated sanctions screening decisions.
• Assessing whether analysts have considered relevant customer information, transaction activity, supporting evidence and financial crime risks before reaching a decision.
• Checking that case records are clear, complete and supported by sound reasoning, including decisions to close alerts or escalate concerns.
• Reviewing the quality and timeliness of internal Unusual Activity Reports (UARs) and referrals to the MLRO, supporting the external suspicious activity reporting process where required.
• Assessing compliance with internal policies, procedures and applicable requirements, including investigation and escalation timeframes.
• Recording and grading QA findings consistently, providing practical feedback and escalating material concerns promptly.
• Identifying recurring issues and their root causes, and recommending improvements to procedures, training and controls.
• Tracking corrective actions and checking that identified issues have been properly addressed.
• Producing clear QA reporting on trends, recurring weaknesses and areas requiring management attention.
• Working with transaction monitoring colleagues, team leads and Compliance to maintain consistent review standards and share good practice.
• Highlighting potential gaps in monitoring rules or screening controls identified through case reviews.
• Keeping up to date with relevant financial crime typologies and regulatory developments, and reflecting these in QA reviews.

About you

• At least three years’ experience in AML or financial crime within financial services, ideally with hands-on transaction monitoring and investigations experience.
• Experience in quality assurance, quality control or reviewing other analysts’ work is strongly preferred.
• A good understanding of Luxembourg and EU AML/CTF and sanctions requirements; knowledge of UK requirements is an advantage.
• Strong analytical skills and the ability to assess whether an investigation and its conclusions are supported by the evidence.
• Attention to detail, balanced judgement and confidence in challenging decisions constructively.
• Clear written and verbal communication skills, including the ability to give useful feedback and explain findings.
• Strong organisational skills and the ability to manage review deadlines and follow up on outstanding actions.
• Confidence working with case management systems, spreadsheets and reporting tools.
• The ability to work independently while building effective relationships across teams.
• Business-level English; additional languages are welcome.
• A relevant degree or professional qualification, such as ICA or ACAMS, is an advantage but not essential.

In return for your hard work

• Competitive salary, stock options after 12 months and benefits.
• Hybrid working from our city-centre office in Luxembourg.
• Opportunities to contribute to projects beyond day-to-day responsibilities, develop your expertise and help improve how we work.
• A collaborative environment with room for professional growth.

Our commitment to you

We are an equal opportunities employer.

We make recruitment decisions based on your skills, experience and ability to contribute. We’re building services for everyone and believe a diverse team helps us create better products, make better decisions and build an inclusive workplace.

We encourage applicants from all backgrounds to apply and discover the 3S way.