Senior Monitoring AML Analyst

About Addi

We are a leading financial platform, building the future of payments, shopping, and banking—a world where consumers and merchants can transact effortlessly, grow together and where we create abundance and generate pride in them. Today, we serve over 2 million customers and partner with more than 20,000 merchants, making Addi Colombia’s fastest-growing marketplace.

We provide banking solutions (deposits, payments, unsecured credit) and commerce services (e-commerce, marketing) using state-of-the-art technology, bridging the financial gap for millions and redefining how people experience financial freedom.

As the country’s leading Buy Now, Pay Later provider, we have secured regulatory approval to operate as a bank, unlocking even greater opportunities for our customers. In the past year, we have also achieved profitability, reinforcing the strength of our business model and our ability to scale sustainably.

Our mission has earned the trust of world-class investors, including Andreessen Horowitz, Architect Capital, GIC, Goldman Sachs, Greycroft, Monashees, Notable Capital, Quona Capital, Union Square Ventures, Victory Park Capital, and more, who back our vision for the future. With their support, we are not just growing—we are transforming Latin America’s financial ecosystem and shaping the next generation to shop, pay, and bank in Colombia.

But what truly sets us apart is how we build. We are a conscious company, driven by deep experience in scaling technology, services and products, and we live by our values every day.

About the Role

This is where you come in. Below, you’ll find what this role is all about—the impact you’ll drive, the challenges you’ll tackle, and what it takes to thrive at Addi. If you’re ready to be part of something big, keep reading.

What’s the mission you’ll drive

Strengthen our transaction monitoring framework to detect, investigate, and report suspicious activities in line with AML and regulatory requirements. The role will focus on analyzing transactional data, identifying risk patterns, and optimizing monitoring processes through database management. The analyst will work cross-functionally with different teams to ensure operational efficiency and regulatory adherence while supporting the company’s growth and expansion.

Strengthen transaction monitoring processes. This involves

Analyze transactional activities to identify potential money laundering patterns using data-driven methodologies.

Develop and refine transaction monitoring rules to reduce false positives and increase detection accuracy.

Leverage SQL and database management skills to extract relevant data for case analysis and report generation.

Strengthen Investigation and Reporting Practices. This includes

Escalate complex investigations of suspicious transactions to the Compliance Officer, ensuring timely escalations and regulatory reporting(e.g., SARs).

Collaborate with the Compliance Officer to ensure reporting meets SAGRILAFT and SARLAFT regulations.

Create and maintain detailed case documentation, supporting audit readiness and regulatory reviews.

Optimize Transaction Monitoring Efficiency

Identify automation opportunities to streamline monitoring and reporting processes.

Utilize data mining techniques to detect emerging risks and propose improvements to monitoring rules / algorithms.

Collaborate with engineering teams to implement scalable monitoring solutions that align with the company’s risk appetite.

Design and implement dashboards for tracking key transaction monitoring metrics.

Foster Cross-Functional Collaboration

Work closely with Product, Engineering, Risk, and Legal teams to embed AML transaction monitoring requirements into operational workflows.

Support the design and implementation of compliance-related initiatives by providing insights on regulatory requirements, process improvements, and risk mitigation strategies.

Educational Background

Bachelor’s degree in Systems Engineering, Industrial Engineering, Finance, Business Administration, Economics, or a related field.

Professional Experience

Minimum 3+ years of experience in transaction monitoring, financial crime investigations, or compliance within fintech, banking, or other regulated financial institutions.

Regulatory Compliance: Strong understanding of local AML regulations, specifically SAGRILAFT / SARLAFT frameworks, and their application in monitoring and investigations.

Data & Analytics Skills

Experience working with large datasets to detect unusual transaction patterns, optimize monitoring efficiency, and enhance risk-based decision-making.

Pattern Recognition: Ability to identify transactional anomalies, assess risk exposure, and escalate high-risk activity.

Proven track record of using data-driven insights to

Improve alert detection and triage processes.

Optimize thresholds and rules in AML monitoring systems.

Enhance automated risk scoring models for more effective case prioritization.

Risk & Investigations Expertise

Experience conducting in-depth AML transaction monitoring investigations, including analyzing suspicious activities, gathering supporting documentation, and preparing reports for escalation.

Ability to assess risk exposure, identify red flags, escalate suspicious activity, and provide detailed recommendations for corrective actions.

Collaboration & Communication

Proven ability to collaborate with Product, Engineering, and Risk teams to enhance AML monitoring capabilities.

Strong written and verbal communication skills for preparing internal reports, suspicious activity reports (SARs), and regulatory filings.

Ability to effectively communicate findings and insights in English, both written and spoken.

Nice to have skills

Certifications in Compliance, Risk Management, or Financial Crime Prevention (ACAMS, FIBA, etc.).

Proficiency in SQL, data visualization tools, and analytics platforms to extract, analyze, and report transactional data for AML monitoring.

Hands-on experience with automated transaction monitoring systems (e.g., Actimize, SAS, or in-house solutions).

Familiarity with machine learning models for financial crime detection and risk scoring.

Why join us?

Work on a problem that truly matters – We are redefining how people shop, pay, and bank in Colombia, breaking down financial barriers and empowering millions. Your work will directly impact customers' lives by creating more accessible, seamless, and fair financial services.

Be part of something big from the ground up – This is your chance to help shape a company, influencing everything from our technology and strategy to our culture and values. You won’t just be an employee—you’ll be an owner

Unparalleled growth opportunity – The market we’re tackling is massive, and we’re growing faster than almost any fintech lender at our stage. If you’re looking for a high-impact role in a company that’s scaling fast, this is it.

Join a world-class team – Work alongside top-tier talent from around the world, in an environment where excellence, ownership, and collaboration are at the core of everything we do. We care deeply about what we build and how we build it—and we want you to be a part of it.

Competitive compensation & meaningful ownership – We believe in rewarding our talent. You’ll receive a generous salary, equity in the company, and benefits that go beyond the basics to support your growth.