Aml Transaction Monitor Sr. Analyst

As Marqeta’s Senior Risk Analyst you will be responsible for enabling the AML transaction monitoring team to reduce risk due to money laundering and fraud threat vectors via data analysis, collaboration and information sharing with client programs, partner banks and other internal Marqeta teams.

You will work with some of the world’s most innovative companies as they partner with Marqeta to bring their payments business ideas to life.  You will develop deep relationships within Marqeta to ensure we are doing all we can to get our customers what they need quickly, predictably, and reliably. You will resolve challenges and work through changes and escalations. You will watch for potential risks and have mitigation plans in place to handle unexpected events as we push to the finish line. You’ll communicate often and openly. You’ll be comfortable in a technical environment - our products are pretty technical, so you should be too. 

This role can be performed in a hybrid work model (Tuesday, Wednesday, Thursday onsite) from our Warsaw office.  We’d love for you to join us in Warsaw.

The Impact You’ll Have

• Work with diverse internal and external teams to understand payment card programs, with a specific emphasis on fraud and money laundering concerns for unique market segments


• Develop a deep understanding of the hundreds of data attributes available within Marqeta’s open API that may be considered during data analysis via standing rules and ad hoc queries


• Analyze transactional data derived during discovery to identify suspicious transactions, accounts, entities, and other indicators of abuse vectors


• Efficiently research of publicly available data set that may yield additional context and expertly communicate the findings of analysis, research and information sharing formal and informal briefings and written reports


• Monitor standing rule performance and perform testing to create or refine rules for programs that increase friction for cybercriminals without adversely affecting good customer experience


• Provide subject matter expertise to identify and define business needs and requirements to support the development and implementation of future operational/technical risk solutions


• Enable a delightful customer experience, ensuring service level agreements (SLA) are met or exceeded and escalations are placed on a critical path to solution quickly


• Participate in project definition and idea generation, work on collaborative projects with partners across the globe with a focus on the AML/Fraud mitigation


• Effectively communicate and present findings to the management team to strengthen business decisions


• Attend regular professional engagement, training and functional business reviews

Who You Are

• 5 years related industry experience employing data analysis and visualization tools that may include, but are not limited to, Structured Query Language (SQL), object-oriented programming (e.g. Java) , Python (or R), and Tableau (or Looker) to identify fraud and money laundering concerns


• Bachelors Degree in finance or economics


• Proven track record of applying analytical/statistical methods, rule writing, and testing to actualize real-world, data-driven problem solving


• Demonstrated experience delivering favorable business outcomes and improving processes while working as part of cross-functional, virtual teams on projects having limited structure


• Proficiency developing and maintaining documentation such as rules, operating procedures, and JIRA tickets that memorialize efforts


• Highly effective verbal and written communication and presentation skills with all levels of the organization and customers


• Strong interpersonal and collaborative skills to build partnerships and alliances internally and with external partners at all levels of the organization


• Visa/MC Operational Experience or Settlement Experience


• CAMS, CFE, CFCS, or equivalent certification(s)

Nice-To-Haves

• Experience with ACH, Network, ATM and Echeck operation


• Prior experience with 3D Secure 


• Experience with risk detection platforms, such as FeatureSpace, Actimize, DataVisor, Falcon, or SaferPayments

Your Manager

• Kevin Simeoli - Director, Anti-Money Laundering Operations

Recruiter For This Role

• Agata Wojciechowska 

Typical Process

• Application submission


• Recruiter phone call


• Hiring manager video call


• Virtual “Onsite” consisting of 3-4, 45 min calls


• Offer

Compensation and Benefits
When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this position, reflected in PLN,  is: 156,000-195,000. The bonus target for this position is 10% of the applicable base salary, subject to the plan terms and meeting eligibility requirements.

Along with monetary compensation, Marqeta offers:

Monthly stipend for your home office equipment and connectivity
Annual development stipend to support your growth and development
Pension Scheme provided by Allianz
Employee health through Luxmed with employee cover paid at 100% by Marqeta
Four floating holidays as additional paid days off to your annual leave entitlement
In-office amenities including: drinks and snacks, wellness room, dedicated barista, community events onsite
MultiSport Plus membership offerings