Transaction Monitoring Officer (AML Division)

Every day, millions of KWD in transactions flow through Hesabe. Most are legitimate payments from real Kuwaiti merchants and their customers. A small fraction aren't — and finding them early is what protects our merchants, our banks, and Kuwait's financial system from abuse.

As a Transaction Monitoring Officer in our AML division, you'll be the human layer on top of our automated monitoring systems. You'll review alerts flagged by our rules engine, investigate suspicious transaction patterns, dig into merchant activity that looks off, and decide when to escalate, block, or report to the authorities (Kuwait FIU).

You'll build and refine monitoring rules alongside our Compliance Officer and engineering team — tuning thresholds, closing false positive loops, and catching new typologies before they become incidents. You'll also support KYC refresh cycles, prepare SARs (Suspicious Activity Reports), and be a key voice in merchant risk reviews.

This is a role for someone with sharp pattern-recognition instincts, a hunter's mentality for anomalies, and the patience to document every investigation in the audit trail.

• 2–5 years in transaction monitoring, fraud investigation, or AML at a bank, payment processor, FinTech, or remittance provider

• Strong understanding of AML typologies — structuring, layering, money mule networks, trade-based laundering, merchant collusion, card fraud, chargeback abuse

• Familiar with Kuwait AML/CFT regulations (Law 106/2013 and CBK instructions) and SAR filing process with the Kuwait FIU

• Hands-on with transaction monitoring systems and case management tools

• Comfortable with SQL — you can write your own queries to investigate patterns, not wait for engineering

• Strong documentation skills — your case notes need to stand up to an audit

• Sharp analytical mindset — you connect dots others miss

• Fluent Arabic and English — merchant details, counterparty names, and chat records come in both

• A relevant certification (CAMS, CFE, ICA AML Diploma) is strongly preferred

• Based in Kuwait

• Competitive salary with annual performance bonus

• Health insurance for you and your family

• Annual ticket + paid annual leave

• Budget for AML certifications (CAMS, CFE, ICA)

• Training on the latest AML typologies and monitoring tools

• Clear career path into senior AML roles, compliance leadership, or financial crime consulting

• Stability in a regulated, recession-proof function

• Work alongside a senior compliance team at one of Kuwait's leading payment providers