Crypto Transaction Monitoring Analyst

About MiFinity

MiFinity is a dynamic, licensed, and regulated fintech leader offering cost-effective, end-to-end payment solutions for businesses, merchants, and consumers. With over 20 years of experience in online payments, we have built a highly secure technology platform and a growing global network of financial and banking partners. Our core service, the MiFinity eWallet, enables seamless money transfers worldwide through our extensive bank network and local payment options. As we continue to expand across multiple global verticals, we foster a collaborative, inclusive work environment while maintaining a start-up culture that values flexibility, autonomy, and innovation across all of our offices in Dublin, Malta, and Belfast.

The Role

The Crypto Transaction Monitoring Analyst will monitor, investigate and analyse crypto-asset and fiat transactions to identify suspicious activity and support the Company's AML/CFT, sanctions and financial crime controls. Working closely with AML, Compliance, Risk and Fraud teams, the role supports safe crypto-asset operations through effective alert review, investigation, escalation and regulatory reporting.

Key Responsibilities

• Monitor crypto-asset and fiat transactions, reviewing alerts from transaction monitoring and blockchain analytics systems.
• Analyse wallet activity, blockchain transaction flows and customer behaviour to identify unusual, suspicious or potentially illicit activity.
• Investigate red flags linked to money laundering, terrorist financing, sanctions evasion, fraud, mule accounts, ransomware, darknet marketplaces and other crypto-related typologies.
• Conduct investigations into suspicious customer activity, trace crypto-asset movement across wallets/entities, and prepare clear investigation reports and escalation recommendations.
• Draft Suspicious Transaction Reports (STRs) and internal escalation reports, liaising with the MLRO and Compliance teams as required.
• Support CDD and EDD reviews for customers engaging in crypto-asset activities, including source of wealth, source of funds and expected activity assessments.
• Support the enhancement of crypto-specific AML/CFT controls, including customer risk assessments, typology reviews, alert calibration and monitoring rules.
• Collaborate with AML, Compliance, Fraud, Risk, Operations, Product and Technology teams, and assist with audits, inspections and compliance reviews.
• Other ad hoc duties as assigned by management from time to time.

Experience & Knowledge

• 2-3 years' experience in AML, Financial Crime, Compliance, Fraud or Transaction Monitoring within crypto-assets, fintech, banking, payments or virtual assets.
• Demonstrable experience investigating crypto-asset transactions and identifying crypto-related financial crime risks.
• Experience using blockchain analytics or crypto transaction monitoring tools, and preparing investigation reports or suspicious activity escalations.
• Strong understanding of AML/CFT, sanctions, financial crime regulations, blockchain technology, crypto-assets, digital wallets and virtual asset ecosystems.
• Knowledge of crypto typologies including layering, mixing services/tumblers, mule accounts, sanctions evasion, ransomware and darknet activity.
• Understanding of CDD, EDD and transaction monitoring requirements applicable to crypto-asset services.

Skills

• Excellent analytical and investigative skills, with strong attention to detail and the ability to identify unusual transaction patterns.
• Ability to analyse complex blockchain transaction flows and translate findings into clear, well-documented reports.
• Strong communication and stakeholder management skills.
• Proficient in Microsoft Office, particularly Excel.
• Able to work independently, manage competing priorities and operate effectively in a fast-paced environment.

Mandatory Technical Experience

• Experience with blockchain analytics solutions such as Chainalysis, Sumsub, Elliptic, Crystal Blockchain or similar platforms.
• Experience monitoring both crypto-to-crypto and fiat-to-crypto transaction activity.
• Familiarity with CASP/VASP, MiCA, Travel Rule and AML/CFT regulatory requirements applicable to crypto-asset businesses.

Benefits

• Convenient medical support with company doctor
• Private Healthcare plan post probation
• Free parking (first come first serve basis)
• Remote work allowance post probation beginning at 3 weeks in year 1 and increasing with tenure
• Additional special leave days such as extra day for birthday/moving home, extra days for marriage, graduation and citizenship ceremony
• Complimentary eye test
• Discounted gym membership
• Study and Exam leave to further support career and educational growth
• Company sponsored further education through top up on the Get Qualified Scheme