Transaction Monitoring Specialist at Colibrix One · Portugal

Join COLIBRIX ONE – Innovating the Future of Payments

At COLIBRIX ONE*, we’re building advanced, AI-powered payment technologies that support Payment Service Providers (PSPs), Electronic Money Institutions (EMIs), and neobanks across the EU and the UK. As a fully licensed Electronic Money Institution (FCA Reference No. 927920) and holder of a Financial Institution Licence issued by the MFSA, as well as a principal member of both VISA and Mastercard, we provide comprehensive, real-world financial solutions that include:

• Global card processing
• Digital wallet infrastructure
• Cross-border merchant accounts
• Alternative payment methods (APMs)
• Corporate accounts for legal entities

We’re a fast-growing team with a passion for innovation, security, and scalability. Our culture values curiosity, collaboration, and impact - and we’re looking for talented professionals who are ready to shape the future of fintech.

At COLIBRIX ONE, your work directly powers the digital economy. If you're eager to solve meaningful challenges and build with purpose, we’d love to hear from you.

About the Role

We're looking for a Transaction Monitoring Specialist with strong analytical skills to detect fraud, assess risk, and ensure compliance with AML/CTF regulations and card scheme rules. You will monitor transactions in real time, investigate suspicious activity, and support improvements in monitoring processes.

Key Responsibilities

• Monitor deposits and review daily fraud reports to ensure merchant compliance with Visa and Mastercard programs
• Conduct real-time transaction monitoring for both business and individual clients
• Analyze large volumes of transaction data to detect suspicious patterns and potential fraud
• Perform periodic evaluations of client accounts and website functionality, including test transactions, to ensure compliance
• Investigate merchants and portfolios to assess risk, ensure compliance, and detect fraudulent or illegal activities
• Identify potential money laundering, terrorist financing, and sanctions evasion scenarios
• Collect and manage additional client data related to completed transactions
• Address operational monitoring issues promptly, escalating and reporting suspicious activities as needed
• Ensure all client transactions comply with AML/CTF procedures and guidelines
• Assist colleagues from other departments with AML/CTF-related matters
• Provide insights and recommendations to enhance transaction monitoring efficiency

What you need to succeed in this role

• Minimum of 2 years of experience in AML
• Strong understanding of AML/CTF regulations and industry best practices
• Familiarity with customer due diligence (CDD) and enhanced due diligence (EDD) procedures
• Familiarity with payment screening processes
• Excellent analytical and problem-solving skills, with strong attention to detail
• Ability to handle confidential information
• Proficiency in Microsoft Office and AML software/tools
• Certification in AML/CTF or a related field is a plus
• Experience working in a fast-paced environment
• Motivation to learn and contribute to ongoing process improvements
• Strong written communication skills, with the ability to convey complex information clearly
• Fluency in English (additional languages are considered an asset)

What We Offer

• Opportunity to shape the future of fintech solutions within a growing company
• Collaborative, horizontal team structure that values your expertise and ideas
• Continuous learning and development opportunities to enhance your skills and career growth
• Competitive salary and benefits package

* This position is offered within the COLIBRIX ONE. Employment will be under the appropriate legal entity based on the role and location.