Associate, External RFI Transaction Monitoring

ABOUT AIRWALLEX Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 675,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own. We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific. We're co-headquartered in San Francisco and Singapore, with more than 2,300 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our operating principles https://www.airwallex.com/en-us/operating-principles to see it in full.   Job Description: Airwallex is a global payments fintech company transforming the way businesses move and manage money globally. We have built a global financial infrastructure platform to help businesses transact, collect and pay across 130+ countries and 50+ currencies, without the constraints of the traditional global financial system. We’ve grown to 19 global locations and have raised over US$800 million in funding. To support our ambitious growth plans, we’re looking for smart, collaborative and passionate people who are looking to make a genuine impact. As a Channel RFI Senior Analyst, you will be the first‑line specialist handling external enquiries received via our channel RFI mailbox from correspondent / partner banks and law enforcement agencies. You will coordinate timely, high‑quality responses, perform targeted transaction and account reviews on cross‑border activity, and ensure our responses meet regulatory and contractual expectations while protecting Airwallex from financial crime risk. This role is ideal for someone who is comfortable engaging with external stakeholders, understands SWIFT payments and cross‑border flows, and can operate with a strong sense of urgency in a fast‑moving environment. Role This role mainly focuses on: ● Managing RFI / inquiry workflows from correspondent banks and law enforcement agencies; ● Performing focused cross‑border transaction reviews and providing clear written explanations; ● Partnering with FIU, TM, KYC and Banking teams to ensure consistent and timely responses; ● Maintaining strong SLA discipline and documentation standards. It reports to the Financial Crime Operations Manager. Responsibilities ● Own and manage the external RFI mailbox and workflow for correspondent / partner banks and law enforcement agencies, ensuring all enquiries are triaged, tracked and closed within agreed SLAs. ● Respond to correspondent bank RFIs on cross-border wires and virtual account flows, including reviewing end-to-end payment journeys, interpreting SWIFT messages and coordinating inputs from FCC, TM, KYC, Financial Partner and Commercial. ● Handle law enforcement enquiries (e.g. police, regulators, tax / customs and other competent authorities), ensuring requests are legally grounded, responses comply with internal policy and local law, and sensitive matters are escalated to FIU / Legal / MLRO where appropriate. ● Perform targeted account and transaction reviews related to RFIs, assessing cross-border patterns, counterparties and consistency with the customer’s KYC profile, and recommending risk-based actions (e.g. freezes, offboarding, enhanced monitoring). ● Draft clear, concise and audit-ready written responses and case files, documenting rationale, evidence, decisions and approvals to a standard suitable for internal and external review. ● Partner with FCC, TM, KYC, Financial Partner, Legal, Sanctions Compliance and regional Operations to align positions on complex cases and implement any required remediation or control enhancements. ● Contribute to continuous improvement of the channel RFI process, including playbooks, templates, training materials and dashboards to improve efficiency, quality and SLA performance. Key Requirements ● 3+ years of relevant experience in financial crime operations / AML / sanctions / investigations within a bank, payments institution or fintech, with direct exposure to: ○ correspondent banking RFIs; and ○ law enforcement enquiries (police, regulators or other authorities). ● Strong understanding of cross‑border payments and corridors, including: ○ how funds flow through correspondent banks and payment networks; ○ common risk indicators in international wires and e‑wallet / virtual account flows. ● Demonstrated experience managing RFIs from law enforcement and responding within tight statutory or regulatory deadlines, with strong judgement on escalation and data protection. ● Proven ability to work with strict SLAs and high case volumes while maintaining quality, accuracy and audit‑ready records. ● Solid knowledge of AML / CFT / sanctions concepts and common typologies in cross‑border payments (e.g. layering through intermediaries, third‑party payments, trade‑related flows). ● Excellent verbal and written communication skills in English; proficiency in Mandarin is strongly preferred given our customer and banking partner base. ● Highly detail‑oriented, organised and comfortable working with multiple systems and datasets; able to quickly piece together customer and transaction narratives from fragmented information. ● Strong stakeholder management skills and the confidence to interact with external banks and authorities in a professional and controlled manner. ● Professional certifications such as CAMS, CFCS, ICA Advanced AML or equivalent are preferred. 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