Fincrime Analyst

**About**:
Swan is the leading European fintech specialized in embedded banking. A laureate of the French government’s selective year list of tech champions, “French Tech Next 120,” we are quickly expanding across Europe.

Over 100 European companies have already seamlessly integrated banking services such as accounts, cards, and payments into their products through our Banking-as-a-Service platform. This approach, known as “embedded finance”, empowers businesses to elevate their offerings and create new revenue streams — often times tripling their revenue

Our founders’ vision from the beginning was Simplicity: that anyone with a fintech idea at 2 am can visit our website, start building, and buy themselves a coffee with a self-issued card the very next day. That vision has taken us far.

Following a 38M€ Series B round last September, we have been doubling our headcount and already have over 230 Swanees across offices in Paris, Bordeaux, Berlin, Barcelona, Amsterdam, and Milan If you’re excited about joining a European fintech adventure, Swan is the way

**To learn more about us**:About Swan** ; **Our story**.**

**Job description**:
**Your mission**

Join our growing and ambitious Financial Crime team

As a FinCrime Analyst, you will play a crucial role in ensuring the safety and compliance of our financial operations. Operating within the Financial Crime team, which collaborates closely with Compliance, Legal, and Operations, you will be instrumental in detecting and addressing risks related to money laundering, fraud, sanctions, and other illicit activities. Your expertise will contribute to protecting the company’s reputation and ensuring regulatory compliance.

**Main tasks**
- **Transaction monitoring as a 2nd line**: Analyze escalations from 1st line on customer transaction patterns to identify potential money laundering or fraudulent activities.
- **Sanctions screening**: Perform sanctions and PEP screenings as well as due-diligences when necessary to ensure compliance with international and local regulatory requirements.
- **Investigations**: Conduct in-depth investigations into suspicious activity reports (SARs) and assist in filing these reports with relevant authorities.
- **Fraud response**: Support the management of fraud-related incidents, including analyzing chargeback cases, unauthorized transfers, and phishing attempts.
- **Policy development**: Contribute to the continuous improvement of FinCrime policies, procedures, and controls.
- **Data reporting**: Assist in the preparation of regulatory reports such as TRACFIN or OSCAMP submissions in France.
- **Partner and customers communication**: Collaborate with internal stakeholders and external partners/clients to address financial crime queries and ensure alignment with best practices.
- **Training**: Support training initiatives to educate teams on emerging FinCrime risks and mitigation techniques.

**Preferred experience**:
**You’re a great match if**:

- You have **5 years of experience** in financial crime, fraud, or AML within Fintech, Payment Providers, or traditional banking environments.
- Familiarity with transaction monitoring tools and **AML regulations** (e.g., FATF recommendations, EU AML directives) is a must.
- You possess strong **analytical skills** and a detail-oriented mindset.
- You demonstrate **effective communication skills**, both written and verbal, enabling you to liaise with internal teams and external stakeholders.
- You have a proactive and **curious mindset**, eager to uncover risks and explore innovative solutions.
- You exhibit a **problem-solving approach**, combining creativity with a hands-on attitude.
- Proficiency in data analysis tools is a plus.
- You are fluent in **English** (other European languages are a plus).

It’s okay if you don’t tick all the boxes — don’t let imposter syndrome prevent you from applying
- Swan is committed to providing a caring work environment for all employees, regardless of age, sex, disability, sexual orientation, race, religion, or belief._
- When it comes to recruitment, we’re interested in your work experience, skills, and overall personality. Because diversity makes the workplace stronger and is necessary for Swan’s success, we are intensifying efforts to incorporate concrete actions to help us improve in this area._

**About Swan**:
**Perks of being a Swanee**:

- Hybrid remote policy: We offer the possibility of working from home for 2 days per week.
- The best health insurance: Alan
- Swan encourages you to have fun staying fit, thanks to partnerships with Classpass & Gymlib.
- We respect your lunch break. Mid-day free-time is sacred and our French office even provides a Swile card to cover your meal on work days.
- Twice a year we go somewhere gorgeous (a chateau, a mountain) where we reconnect, deep-dive into big topics, and relax.
- This isn’t a perk, it should be the rule, but diversity and inclusion are important at Sw