# Senior AML Analyst at Zilch

Zilch is hiring a Senior AML Analyst for a remote role open to applicants in Lithuania. Level rates it Little AI ●○○○; you can [apply on Zilch](https://jobsbylevel.com/go/6302a267-11c4-4594-ac19-2382945bf473?utm_medium=ai-agent).

AI Level 1, AI centrality 36 out of 100. Remote (Zilch Lithuania ).

## Details

- Company: [Zilch](https://jobsbylevel.com/companies/zilch)
- AI level: AI Level 1 (score 36 out of 100)
- Location: Remote (Zilch Lithuania )
- Posted: November 9, 2026
- Apply: https://jobsbylevel.com/go/6302a267-11c4-4594-ac19-2382945bf473?utm_medium=ai-agent
- Free CV review for this job: https://jobsbylevel.com/cv-review?job=senior-aml-analyst-at-zilch-22798a

## Description

Who we are: We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay. We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers. Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us? About the role. We’re looking for a Senior AML Analyst to play a key role within Zilch’s Financial Crime capability, with a primary focus on AML Transaction Monitoring. Reporting directly to the Fraud Operations Director, you’ll predominantly investigate activity relating to UK customers, independently reviewing complex or higher-risk activity, making clear, risk-based decisions and acting as an escalation point for cases reviewed by our outsourced operational partner. Where activity warrants further escalation, you’ll prepare high-quality internal Suspicious Activity Reports (SARs) for review by Compliance and the MLRO. You’ll work closely with colleagues across Fraud Operations, Compliance, Risk and the wider business to ensure financial crime concerns are identified, investigated and escalated appropriately. The role will also support wider Financial Crime activity, which may include ongoing customer monitoring, PEP and sanctions screening, enhanced customer reviews and law enforcement requests. This is more than a case-processing role. We’re looking for someone who is confident working independently, exercising judgement and taking ownership of decisions, while also helping us continually improve our processes and approach. As Zilch continues to grow its customer base, develop its product offering and expand into new markets, this role offers significant potential to grow in scope and influence alongside the business. Day to day responsibilities. Independently investigate complex and escalated Transaction Monitoring alerts, using customer, account and transactional information to identify unusual or potentially suspicious activity. Analyse customer behaviour, transaction history, KYC information and other relevant evidence to understand activity and reach clear, defensible outcomes. Make confident, risk-based decisions on whether cases can be closed, require further investigation or should be escalated. Act as a senior escalation point for AML cases initially reviewed by our BPO partner, taking ownership of higher-risk, complex or judgement-led investigations. Produce clear, concise and well-evidenced investigation rationales, ensuring decisions are appropriately documented and able to withstand internal, audit or regulatory scrutiny. Prepare high-quality internal Suspicious Activity Reports and supporting evidence for review by Compliance and the MLRO. Work closely with Compliance on suspicious activity investigations, providing further analysis and evidence where required. Support appropriate law enforcement and other authorised information requests, working with Compliance, Legal and relevant internal teams in line with Zilch processes. Support ongoing customer monitoring, including reviews triggered by changes in customer behaviour, risk profile or other Financial Crime indicators. Investigate or support escalations relating to PEPs, sanctions, adverse information and higher-risk customers. Support Enhanced Due Diligence activity, including Source of Funds or Source of Wealth reviews where appropriate. Provide quality assurance and calibration on outsourced AML investigations, helping to ensure decisions are consistent and investigations meet the required standard. Help continually improve AML procedures, investigation guidance, escalation criteria and playbooks. Identify emerging money laundering and wider Financial Crime trends and typologies through casework, escalating themes and potential control improvements. Provide operational feedback on Transaction Monitoring alerts and scenarios,

The description is cut here. Read the full offer: https://jobsbylevel.com/jobs/senior-aml-analyst-at-zilch-22798a

Source: https://jobsbylevel.com/jobs/senior-aml-analyst-at-zilch-22798a

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