AML & Compliance Specialist

About Us Moneymoon is a pioneering Fintech platform transforming short-term microlending through secure, compliant, and seamless peer-to-peer technology. We enable individuals to support one another through a one-month lending model built on transparency, safety, and trust. As we progress through the Saudi Central Bank (SAMA) Regulatory Sandbox and prepare for full licensing, strong AML controls, regulatory compliance, customer protection, and effective governance are critical to our mission. Your Role We’re looking for an AML & Compliance Specialist to support Moneymoon’s AML, regulatory compliance, monitoring, and control activities. In this role, you will help ensure that our operations, customer journeys, financing activities, policies, and internal processes remain aligned with applicable regulatory requirements, particularly those issued by the Saudi Central Bank (SAMA). You will work across both AML and Compliance, supporting customer due diligence, transaction monitoring, regulatory research, compliance testing, policy reviews, regulatory tracking, and internal reporting. This role is ideal for a fresh graduate who is highly curious, analytical, detail-oriented, and eager to build a career in compliance and financial crime within a fast-moving fintech environment. You will also be encouraged to use AI, automation, and modern productivity tools to make regulatory research, monitoring, documentation, and analysis faster, smarter, and more efficient. Your Responsibilities AML & Financial Crime • Support customer due diligence and KYC reviews to ensure required customer information and documentation are complete and accurate. • Review customer profiles and financing activities to identify unusual or potentially suspicious behavior. • Support transaction monitoring activities and review alerts generated through AML or fraud monitoring scenarios. • Assist in identifying suspicious patterns, customer behavior, transaction trends, and financial crime risks. • Support enhanced due diligence activities for higher-risk customers or cases when required. • Maintain accurate AML case records, investigation notes, evidence, and supporting documentation. • Escalate unusual or suspicious activities to the relevant Compliance and AML stakeholders. • Support the review and periodic improvement of AML monitoring scenarios and internal controls. • Assist with AML-related reporting, trackers, dashboards, and regulatory documentation. • Support internal reviews relating to potential AML breaches or control gaps. Regulatory Compliance • Monitor SAMA circulars, regulatory updates, guidance, and applicable regulatory requirements. • Support regulatory research and translate applicable requirements into clear internal actions. • Assist in maintaining Moneymoon’s regulatory obligations tracker and follow up on implementation across relevant teams. • Support the development, review, and maintenance of compliance policies, procedures, standards, and internal controls. • Perform compliance monitoring and testing activities to assess adherence to regulatory requirements and internal policies. • Support compliance risk assessments and help identify control gaps, regulatory risks, and required remediation actions. • Review business processes, customer journeys, products, initiatives, and internal practices from a compliance perspective. • Document compliance observations, recommendations, and action items and follow up on agreed remediation. • Support investigations into potential regulatory breaches, policy violations, and compliance concerns. • Maintain accurate compliance registers, trackers, records, and supporting evidence. • Support the preparation of compliance reports, regulatory updates, monitoring results, and management materials. • Assist with regulatory examinations, internal audits, and independent compliance reviews by preparing evidence and supporting documentation. • Support compliance training and awareness activities across the company. • Work closely with Operations, Risk, Cybersecurity, Finance, Product, Technology, Data & AI, and other teams to strengthen regulatory and AML controls. AI, Automation & Process Improvement • Use AI tools and automation to support regulatory research, document reviews, control testing, reporting, and compliance monitoring. • Explore ways to simplify repetitive AML and compliance tasks through automation and smarter workflows. • Use AI-assisted analysis to help identify patterns, inconsistencies, regulatory gaps, and potential risk areas. • Support the development of more efficient compliance trackers, dashboards, templates, and monitoring processes. • Stay up to date with developments in RegTech, AI-enabled compliance, AML technology, and financial crime prevention. Your Expertise • Bachelor’s degree in Law, Finance, Business Administration, Accounting, Risk Management, Compliance, Information Systems, Data Analytics, or a related field. • Fresh graduates are welcome to apply. • Previous COOP or internship experience is highly preferred, especially within a fintech, startup, banking, financial services, compliance, AML, risk, audit, or regulatory environment. • Exposure to a fast-paced startup or fintech environment is considered a strong advantage. • Interest in AML, regulatory compliance, financial crime, fintech regulation, and SAMA requirements. • Strong analytical skills and excellent attention to detail. • Ability to read regulations, policies, and procedures and translate them into practical actions. • Strong problem-solving mindset and ability to identify gaps or inconsistencies. • Strong written and verbal communication skills. • Good organizational and time-management skills. • Ability to manage multiple priorities and work effectively in a fast-moving environment. • Good knowledge of Microsoft Excel is preferred. • Familiarity with AI tools, automation, data analysis tools, or modern productivity platforms is highly preferred. • Knowledge of SQL, Python, BI tools, or workflow automation tools is a plus. • Strong sense of ownership, integrity, confidentiality, and professional judgment. • Ability to work independently while collaborating effectively with cross-functional teams. • Fluency in Arabic and English. What We’re Looking For You are curious and naturally interested in understanding how regulations work, why controls exist, and how risks can be prevented before they become problems. You are comfortable reading regulations, reviewing details, asking questions, and challenging inconsistencies when something does not make s

Bachelor’s degree in Law, Finance, Business Administration, Accounting, Risk Management, Compliance, Information Systems, Data Analytics, or a related field. Fresh graduates are welcome to apply. Previous COOP or internship experience is highly preferred, especially within a fintech, startup, banking, financial services, compliance, AML, risk, audit, or regulatory environment. Exposure to a fast-paced startup or fintech environment is considered a strong advantage. Interest in AML, regulatory compliance, financial crime, fintech regulation, and SAMA requirements. Strong analytical skills and excellent attention to detail. Ability to read regulations, policies, and procedures and translate them into practical actions. Strong problem-solving mindset and ability to identify gaps or inconsistencies. Strong written and verbal communication skills. Good organizational and time-management skills. Ability to manage multiple priorities and work effectively in a fast-moving environment. Good knowledge of Microsoft Excel is preferred. Familiarity with AI tools, automation, data analysis tools, or modern productivity platforms is highly preferred. Knowledge of SQL, Python, BI tools, or workflow automation tools is a plus. Strong sense of ownership, integrity, confidentiality, and professional judgment. Ability to work independently while collaborating effectively with cross-functional teams. Fluency in Arabic and English.

AML & Financial Crime: Support customer due diligence and KYC reviews to ensure required customer information and documentation are complete and accurate. Review customer profiles and financing activities to identify unusual or potentially suspicious behavior. Support transaction monitoring activities and review alerts generated through AML or fraud monitoring scenarios. Assist in identifying suspicious patterns, customer behavior, transaction trends, and financial crime risks. Support enhanced due diligence activities for higher-risk customers or cases when required. Maintain accurate AML case records, investigation notes, evidence, and supporting documentation. Escalate unusual or suspicious activities to the relevant Compliance and AML stakeholders. Support the review and periodic improvement of AML monitoring scenarios and internal controls. Assist with AML-related reporting, trackers, dashboards, and regulatory documentation. Support internal reviews relating to potential AML breaches or control gaps. Regulatory Compliance: Monitor SAMA circulars, regulatory updates, guidance, and applicable regulatory requirements. Support regulatory research and translate applicable requirements into clear internal actions. Assist in maintaining Moneymoon’s regulatory obligations tracker and follow up on implementation across relevant teams. Support the development, review, and maintenance of compliance policies, procedures, standards, and internal controls. Perform compliance monitoring and testing activities to assess adherence to regulatory requirements and internal policies. Support compliance risk assessments and help identify control gaps, regulatory risks, and required remediation actions. Review business processes, customer journeys, products, initiatives, and internal practices from a compliance perspective. Document compliance observations, recommendations, and action items and follow up on agreed remediation. Support investigations into potential regulatory breaches, policy violations, and compliance concerns. Maintain accurate compliance registers, trackers, records, and supporting evidence. Support the preparation of compliance reports, regulatory updates, monitoring results, and management materials. Assist with regulatory examinations, internal audits, and independent compliance reviews by preparing evidence and supporting documentation. Support compliance training and awareness activities across the company. Work closely with Operations, Risk, Cybersecurity, Finance, Product, Technology, Data & AI, and other teams to strengthen regulatory and AML controls. AI, Automation & Process Improvement: Use AI tools and automation to support regulatory research, document reviews, control testing, reporting, and compliance monitoring. Explore ways to simplify repetitive AML and compliance tasks through automation and smarter workflows. Use AI-assisted analysis to help identify patterns, inconsistencies, regulatory gaps, and potential risk areas. Support the development of more efficient compliance trackers, dashboards, templates, and monitoring processes. Stay up to date with developments in RegTech, AI-enabled compliance, AML technology, and financial crime prevention.