About the Role?
The AML/CTF Analyst of Zai Australia Pty Ltd (Zai) will support the AML/CTF Compliance Officer (MLRO) and the broader Risk & Compliance function in maintaining effective AML/CTF and financial crime controls across Zai’s products and services, including customer and end-user due diligence, transaction monitoring as well as internal and external reporting and audit activities.
The role supports the day-to-day operation and continuous improvement of Zai’s AML/CTF Program, helping ensure effective risk management, assurance and reporting across first and second lines via cross-functional collaboration.
About Zai?
Zai is a leading Australian fintech payments provider headquartered in Melbourne, with over a decade of experience and supported by SC Ventures by Standard Chartered, the innovation and ventures unit of Standard Chartered Bank. We empower businesses to streamline complex payment workflows with our all-in-one solution, enabling automation and simplifying payment reconciliation so enterprises can scale securely and confidently.
Our flexible integration options cater to diverse business needs, offering a CMS plugin for quick setup, low-code tools for customised workflows, and direct API access for complete control. Zai supports a wide range of payment methods, including credit card acceptance, direct debit, BPAY and next-generation account-to-account payments such as PayID and PayTo.
Learn more about our journey at www.zaipayments.com
What you will be doing?
- Analyse AML/CTF and transaction data (with SQL/BI tools) to optimise monitoring rule performance and detection outcomes.
- Own, calibrate and deploy rules in transaction monitoring systems (TMS) using data analytics and RFI insights to improve precision, recall and reduce friction.
- Own AML/CTF lifecycle controls including onboarding, ongoing due diligence and off-boarding lifecycle, KYC, Customer Due Diligence, ongoing or enhanced CDD (OCDD/ECDD), PEP and sanctions screening.
- Maintain AML/CTF SOPs, workflows and operational tools, ensuring effective escalation and reporting especially Request of Further Information (RFIs), Suspicious Matter Reporting (SMRs), IFTI and AUSTRAC reporting.
- Manage merchant due diligence submissions to banking partners, AP+ and card schemes.
- Conduct risk-based validation of merchants and users through adverse media, digital footprint, licence checks and market research overlapping with application fraud.
- Support regulatory, audit and law-enforcement engagements and provide second-line AML/CTF guidance and training.
What we are looking for?
- 1+ years’ experience in risk, compliance, operations, AML/CTF or financial crime analysis or investigation roles within financial services or payments
- A tertiary qualification in Finance, Accounting, Law, Business, Economics, Criminology, Information Technology, Data, STEM or a related discipline
- Strong data analysis capability, including SQL, advanced Excel or similar analytical tools
- Demonstrated ability and interest to develop and apply AML/CTF and financial crime domain knowledge
Nice-to-haves?
- Relevant tertiary qualification in Data Analytics, Data Science, Computer Science, Statistics or other quantitative disciplines in programming or data
- AML/CTF or financial crime investigation, escalation and reporting experience
- Experience working in a startup, scale-up or fintech environment
- A sound understanding of payment schemes (Visa, Mastercard, AMEX, Direct Entry, BPAY, PayTo and NPP)
Perks?
- 💰 Competitive salary package and benefits
- 🏠 Flexible hybrid working options (3 days WFH)
- 🏝️ 5 weeks of annual leave as standard
- 👶🏼 12 weeks paid parental leave (4 weeks for secondary carers)
- 🏠 One-off working from home allowance
- 💰 Salary sacrificing options
- 🚗 Novated leasing options
- 🌱 Work remotely from anywhere in the world for 4 weeks every year
- 🧠 An innovative, inclusive, and collaborative team culture
- 💼 A beautiful CBD office with perks near Parliament Station
- 🤸♂️ A flexible, fun work environment where you’ll learn every day
We are looking for someone with a sharp mind, a keen eye for detail, and a passion for keeping things secure. If you’re ready to join the fight against financial crime and make a real impact we want to hear from you.
Ready to join the mission? Apply now!
Equal Opportunity at Zai
Zai is an equal opportunity employer committed to building an inclusive workplace. All qualified applicants will receive consideration without bias to education, race, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, or age. If you need specific assistance or adjustments during the application process, please let us know, we’re here to help.
