FinTech Process Analyst — CDD & Transaction Monitoring

Every platform transaction is fueled by trust. As a FinTech Process Analyst focused on Customer Due Diligence and Transaction Monitoring, you design processes, controls, and governance frameworks that foster and safeguard that trust – scalably and demonstrably. We’re building our financial crime capability from the ground up. You translate regulatory responsibilities into our operational reality, ensuring we catch what we should by designing CDD data pipelines and workflows that scale with our needs. Working across Compliance, Operations, Product, Data, and Engineering, you make financial crime controls effective and usable.

The biggest challenge

Transaction Monitoring at scale is a calibration conundrum. When thresholds are set too tightly, we generate noise, send unwarranted alerts, and real signals get lost in translation. When the thresholds are too loose, we create unnecessary regulatory exposure. Your challenge is to build a TM capability that gets that calibration just right and keeps improving as the platform grows. Effective financial crime controls also require input from data engineers, compliance specialists, operations leads, and product teams. You ensure everyone works towards a shared goal, balancing regulatory expectations with evolving operational reality.

What you’ll do

You’ll work at the heart of bol’s FinTech organization, embedded in the team that realizes CDD and Transaction Monitoring capability for our licensed entities. You’ll work closely with Compliance, Risk, Legal, Operations, and Engineering, functioning as the connective layer between regulatory intent and technical implementation. The team is already actively building, and your contributions will transform and improve the capability for years to come. What that looks like in practice:

• Translate regulatory requirements into business processes, controls, and system specifications
• Design, implement, and continuously improve Transaction Monitoring rules, thresholds, workflows, and governance processes
• Analyze transaction data and customer behavior to identify risk patterns and opportunities for improvement
• Define data requirements and team up with engineers and data specialists to ensure quality and completeness
• Map end-to-end financial crime processes and identify where automation can improve efficiency and reliability
• Provide structure and oversight across initiatives, ensuring clear planning, alignment on deliverables and timely execution
• Establish governance structures, performance metrics, and reporting frameworks for CDD and TM
• Support audits, regulatory reviews, and internal control activities
• Ensure alignment across Compliance, Risk, Legal, and Operations on regulatory positioning

Why you can make a difference

You understand that financial crime controls are built at the intersection of regulation, data, process, and technology. You’ve worked in regulated environments before and can translate legal requirements into workable solutions. You consider knowledge sharing as essential to success as technical precision. You can challenge a compliance assumption with transaction data, and push back on an engineering constraint with regulatory context.

You bring structure to ambiguous situations and feel comfortable during a build phase where surfacing the right answer requires asking the right question. Experience in one or more of the following areas is highly valued: Customer Due Diligence / KYC, Transaction Monitoring, AML/CFT compliance, payments or financial services, regulatory change implementation, process design and optimization, and data analysis and risk management.

3 reasons why this is (not) for you

Not for you if:

• Compliance tourist You are interested in the regulatory framework as a concept, but not in optimizing the details that impact customers and colleagues.
• Playbook reader You prefer following the playbook to co-authoring it.
• Single-domain specialist You do excellent work within your lane, but find cross-functional coordination between Compliance, Operations, Data, and Tech a distraction.

For you if:

• True signal hunter Alert fatigue is a real risk, and you strive for a Transaction Monitoring system that catches genuine threats while minimizing false positives.
• Regulatory translator You convert legal and compliance requirements into processes that engineers can build and operations teams can run.
• Founding-team mindset You’re energized by the idea of establishing new capabilities.

Where you’ll work

You’ll join bol’s FinTech team and help innovate financial processes while ensuring every step is responsible. We process millions of payments across a platform serving 14 million customers and 43,300 sales partners. With two newly licensed financial entities now operational, the team is building the compliance infrastructure that everything else depends on. The culture is direct and technically demanding, with a genuine investment in getting the controls right. You’ll work alongside colleagues from compliance, engineering, data, and operations, in an environment that values both analytical depth and the ability to make decisions when the picture isn’t yet complete.

Perks

Flexible working

We bring the best of both worlds together by working 50% at the office and 50% at home. This way, we find a balance between organisational and individual needs.

On and off

At bol we understand like no other that you have to take care of yourself first, then your environment and then bol. In that order. Therefore, everyone at bol receives 29 days of vacation.

The culture and the office

Our colleagues work hard to make the daily lives of our customers easier and more fun. But of course, we do this in an inspiring and creative environment!