Transaction Monitoring Analyst - Graduate Opportunity

About VFX

VFX is a fast-growing FinTech simplifying global trading and cash management for businesses worldwide. We remove complexity so clients can transact globally with confidence. Our tailored, secure, and efficient solutions span FX and international payments, multi-currency accounts, and integrations that make global operations effortless.

With six offices, five regulatory licences, and an 83% CAGR over the past three years, we’re scaling fast and earning industry recognition along the way - including CNBC UK's Top Fintech Companies for 2025, Wealth & Finance FinTech Awards 2025, and the Business Growth Award from Business Awards UK. Behind it all is a team of ambitious VFXers who think like founders, never stop learning, and go the extra mile to help our clients succeed.

About the Role

We’re looking for a sharp, curious, and detail-oriented Transaction Monitoring Analyst to join VFX and play a key role in protecting our platform and clients from financial crime.

In this role, you’ll learn how financial crime risks such as money laundering, fraud, and sanctions breaches are identified in real-world payments and FX activity. You’ll review transaction alerts, analyse patterns and behaviours, and work with the wider Transaction Monitoring team to determine whether activity is legitimate or needs to be escalated for further investigation.

You’ll develop strong analytical, investigative, and decision-making skills while gaining hands-on exposure to how regulated financial institutions operate.

No prior experience is required — just a strong work ethic, willingness to learn, good judgement, and a genuine interest in financial crime, operations, or risk.

Key Responsibilities

Transaction Monitoring & Investigations

• Review and assess system alerts to help identify unusual or potentially suspicious activity, such as money laundering, fraud, sanctions risk, or other financial crime indicators.

• Investigate alerts by analysing transaction activity, customer information, and supporting data, with guidance from more experienced team members.

• Prepare clear and structured investigation summaries explaining what you’ve reviewed and how you reached your conclusion.

• Escalate cases that require further review in line with internal procedures, supporting senior colleagues in deciding whether activity needs to be formally reported to regulators.

• Support reviews that look at patterns or trends across higher-risk customers, countries, or types of activity as you gain experience.

• Maintain accurate, complete, and audit-ready records of investigations and decisions.

System & Process Enhancement

• Share observations on alert quality, common patterns, and false positives to help improve how the monitoring system works over time.

• Assist with documenting updates to monitoring rules, scenarios, and workflows.

• Contribute ideas to improve team processes, controls, and efficiency.

Policy, Governance & Reporting

• Apply VFX’s internal policies and escalation processes as part of your day-to-day work.

• Build an understanding of key financial crime regulations and industry standards (with training and support provided).

• Support quality checks, internal reviews, and reporting to help ensure the team meets regulatory expectations.

Cross-Functional Collaboration

• Work closely with teams such as Onboarding, Risk, and Compliance to develop a broader understanding of customers and their activity.

• Support the wider Compliance team with insights, reporting, and identifying emerging patterns or risks.

Candidate Profile

• Bachelor’s degree (2:1 or above) or equivalent experience in a relevant analytical field (Economics, Mathematics, Law etc.)

• A sharp, detail-oriented individual with a strong interest in compliance, financial crime, or risk.

• Comfortable analysing information, spotting patterns, and forming logical conclusions.

• Strong written communication skills and the ability to explain findings clearly and concisely.

• Curious, motivated, and keen to learn in a fast-paced, regulated environment.

• Organised, reliable, and able to manage multiple tasks with accuracy.

Benefits at VFX

We offer more than just perks — we offer ownership.

Our benefits include:

• Generous Profit Share Plan (PSP)

• Equity via the Company Share Option Plan (CSOP)

• Competitive salary

• Hybrid working 3-days per week at our Aldgate office

• Annual all-expenses paid company incentive trip abroad

• Flexible learning & development budget

• Weekly events like Supper Club, Thursday Happy Hour & regular socials

• Fresh fruit, breakfast staples & fully stocked drinks fridge in the office

PSP & CSOP Details

At VFX, the biggest benefit is the opportunity to act like an owner. Through our Profit Share Scheme (PSP) and Company Share Option Plan (CSOP) , every team member has a chance to own a stake in the business and share in the profits.

To show you what that looks like, in 2024, PSP participants received over $1,000,000 USD. From those distributions, more than 80% of eligible VFXers chose to become shareholders — a powerful reflection of the belief and commitment that drives VFX forward.

If you care about building something meaningful, take pride in your work, and are motivated by impact — you’ll thrive here.

Next Steps

If you are successful, you will be contacted for an initial call with the People Ops Team, followed by a 1st stage technical Teams interview, and culminating with an in-person final stage interview at our London office.