Compliance Analyst – Transaction Monitoring (Second line of Defense)
What we do? UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 20 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub. We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center. Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals. We are looking for a Compliance Analyst to join us at this pivotal moment, share our vision, and help shape the future of European banking.
What you will be doing? As an Compliance Analyst – Transaction Monitoring within the Compliance team, operating as a key function of the second line of Defence , you will support the Bank in the prevention, detection, and management of money laundering, terrorist financing, and sanctions related risks, through the analysis of transactional activity and alerts generated by monitoring systems, r equiring strict cooperation with the AMLRO and close collaboration with the First Line of Defence FinCrime Prevention team.
The role contributes to ensuring compliance with AML/CFT regulations, Financial Sanctions regimes, and internal AFC frameworks, acting as a key second line of defence.
Key Responsibilities
Transaction Monitoring & Investigations: Analyse and assess alerts generated by transaction monitoring systems, identifying potential AML/CFT or sanctions‑related risks.
Perform in‑depth investigations of customer transactional behaviour
Document findings clearly and accurately, ensuring full traceability of analysis and decisions
Escalate cases and contribute to the preparation of Suspicious Transaction/Activity Reports (STR/SAR) in accordance with internal procedures and regulatory requirements.
Client Onboarding & Due Diligence: Conduct review of client documentation and perform customer assessment during the onboarding process
Build KYC profiles and assign AML risk ratings based on ownership, activity, and jurisdiction
Perform Enhanced Due Diligence (EDD) on high-risk clients
Financial Sanctions & Screening: Support the analysis of transactions potentially involving sanctioned parties, countries or activities, in line with EU, UN, OFAC and other relevant sanctions regimes
Assess screening alerts (name and transaction screening), identifying true hits and ensuring timely escalation where required
Apply Group sanctions policies and contribute to the consistent implementation of escalation and decision‑making processes
Skills you should have Previous experience (at least 5 years) in AML Transaction Monitoring, Compliance, Operations or Financial Crime functions within a regulated financial institution
Fluency in Polish, English, both spoken and written
Good knowledge of AML/CFT principles, Transaction Monitoring processes and Financial Sanctions frameworks and relevant Polish regulations
Understanding of banking products, payment flows and customer transactional behaviour
Strong analytical thinking and problem-solving abilities, with attention to detail and risk awareness
Ability to manage priorities and work effectively under time pressure
Professional certifications (e.g. CAMS) are considered a plus
Experience in international and/or digital banks is a plus
What we offer You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies. Unless limited by banking regulations we offer a flexible form of contract . You will be provided an Individual Development Budget , dedicated to enhancing your professional skills. If your role permits, we also offer flexible work location : home/office — according to your preference. You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package . We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support. We co-sponsor your Multisport card and cover 50% of its cost. You will work on computer equipment that delivers the best user experience — Apple MacBook . Our office in Warsaw offers healthy snacks throughout the day.
Our process We keep our recruiting process simple. Step 1: Talk with one of our Recruiters about your to date experiences and ambitions Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment
Our note to you We are an equal opportunity employer. We stand together in nurturing a workplace that welcomes diverse thinking and inclusive behaviors. By embracing diversity of thought and making all voices heard regardless of background, we drive innovation, sustainable growth, and new business opportunities. This inclusive approach enhances our work climate, directly boosting our people's productivity, well-being, and engagement. Our Values - Integrity, Ownership, Caring - are more than just words. They are actions. Mandates. Pledges. When we all commit to these shared Values, we will deliver for our clients. And delivering for our clients - in any way, large or small - is how we fulfil our Purpose. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table. We appreciate your time and application. Please note that we reserve the right to contact selected candidates. Good luck!