Compliance Analyst – Transaction Monitoring (Second line of Defense)

UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 15 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub.

We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.

Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals.

As an Compliance Analyst – Transaction Monitoring within the Compliance team, operating as a key function of the second line of Defence, you will support the Bank in the prevention, detection, and management of money laundering, terrorist financing, and sanctions related risks, through the analysis of transactional activity and alerts generated by monitoring systems, requiring strict cooperation with the AMLRO and close collaboration with the First Line of Defence FinCrime Prevention team.

The role contributes to ensuring compliance with AML/CFT regulations, Financial Sanctions regimes, and internal AFC frameworks, acting as a key second line of defence.

Key Responsibilities

Transaction Monitoring & Investigations:

• Analyse and assess alerts generated by transaction monitoring systems, identifying potential AML/CFT or sanctions‑related risks.

• Perform in‑depth investigations of customer transactional behaviour

• Document findings clearly and accurately, ensuring full traceability of analysis and decisions

• Escalate cases and contribute to the preparation of Suspicious Transaction/Activity Reports (STR/SAR) in accordance with internal procedures and regulatory requirements.

Client Onboarding & Due Diligence:

• Conduct review of client documentation and perform customer assessment during the onboarding process

• Build KYC profiles and assign AML risk ratings based on ownership, activity, and jurisdiction

• Perform Enhanced Due Diligence (EDD) on high-risk clients

Financial Sanctions & Screening:

• Support the analysis of transactions potentially involving sanctioned parties, countries or activities, in line with EU, UN, OFAC and other relevant sanctions regimes

• Assess screening alerts (name and transaction screening), identifying true hits and ensuring timely escalation where required

• Apply Group sanctions policies and contribute to the consistent implementation of escalation and decision‑making processes

• Previous experience (at least 5 years) in AML Transaction Monitoring, Compliance, Operations or Financial Crime functions within a regulated financial institution

• Fluency in Polish, English, both spoken and written

• Good knowledge of AML/CFT principles, Transaction Monitoring processes and Financial Sanctions frameworks and relevant Polish regulations

• Understanding of banking products, payment flows and customer transactional behaviour

• Strong analytical thinking and problem-solving abilities, with attention to detail and risk awareness

• Ability to manage priorities and work effectively under time pressure

• Professional certifications (e.g. CAMS) are considered a plus

• Experience in international and/or digital banks is a plus

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck!