AML & Compliance Analyst at Platacard

Compliance team: We are looking for our next AML & Compliance Analyst to contribute strategically to strengthening Plata’s compliance framework by performing specialized technical analysis in AML/CFT/FPADM matters, and issuing well-founded and traceable determinations that directly impact risk management and institutional decision-making. Challenges that await you: • Transaction Monitoring Alert Analysis & Resolution • Analyze transaction monitoring alerts and investigate unusual activity • Assess deviations between expected transactional profiles and actual customer behavior. • Document the rationale behind each decision (closure, escalation, or reporting). • Determine whether cases qualify as suspicious or false positives. • Escalate complex cases when the level of risk requires it. • Sanctions & Watchlist Screening Analysis • Analyze matches derived from screening against national and international lists (e.g., OFAC, United Nations, FinCEN, among others). • Identify and document false positives with solid technical support. • Escalate potential true matches in accordance with internal procedures. • Ensure full traceability of the analysis performed. • Regulatory Reporting Preparation & Review • Participate in the preparation of regulatory reports (Suspicious Transactions, 24-hour reports, Relevant Transactions, Internal Concern Reports, International Funds Transfers, among others). • Draft clear, structured, and well-supported technical narratives. • Validate consistency between case analysis and reported information. • Follow up on regulatory authority requests and support the Regulatory Liaison team. • Ensure compliance with regulatory deadlines established by the CNBV. • Risk Assessment & Transaction Profiling • Identify atypical patterns or red flags using applicable typologies. • Contribute to improving monitoring rules and parameters • Support the enhancement of risk models and risk-based approaches • Technical Documentation & Audit Support • Perform analysis under auditable standards. • Ensure all decisions are properly supported with sufficient evidence. • Maintain organized and traceable documentation (physical and electronic). • Participate in internal and external audits, as well as regulatory and business-driven reviews. • Continuous Improvement & Compliance Framework Enhancement • Identify improvement opportunities in existing processes and controls. • Propose adjustments to monitoring rules and analytical criteria. • Participate in updating AML/CFT and Compliance policies and procedures. • Collaborate across the organization to strengthen controls. • Support automation and optimization initiatives for monitoring systems. • Technical Decision-Making & Escalation • Provide well-founded technical recommendations. • Support and defend decisions before the Communication and Control Committee or senior leadership when required. • Act with independence and professional judgment. • Take ownership of decisions within the scope of responsibility. What makes you a great fit: • Bachelor’s degree in Law, Finance, Accounting, Economics, or related fields. • 2–3 years of experience in regulated financial institutions. • Advanced English (mandatory) – ability to communicate effectively both verbally and in writing • Proven experience in: • Transaction monitoring • Sanctions/watchlist screening • Regulatory reporting • KYC file review and analysis • Documenting technical justifications for decisions • Knowledge of AML/CFT regulations Our ways of working: • Innovative Spirit: A commitment to creativity and groundbreaking solutions. • Honest Feedback: valuing open, transparent communication. • Supportive Team: a strong, collaborative community. • Celebrating Achievements: recognizing our wins together. • High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances.