Transaction Monitoring Specialist

About Us 

At TPF, we believe that payments are an essential part of our complex daily lives, and they should be as simple as possible. Founded by entrepreneurs with a successful track record in financial services, TPF is a fully licensed Electronic Money Institution committed to empowering businesses and individuals with effortless ways to make and take payments.

Through a combination of expertise, cutting-edge technology, and standout customer support, we aim to become a global leader in digital payment solutions. We embrace unconventional businesses with unique needs or those operating in emerging sectors, providing business accounts, payment processing services, digital wallets, and payment gateways to help them grow quickly and safely.

About the Role

We are seeking a Transaction Monitoring Analyst to join our Operations department. This role is critical in protecting the integrity of our payment systems by identifying, investigating, and escalating unusual or suspicious activity across high-risk merchant portfolios.

The successful candidate will have strong analytical skills, attention to detail, and a solid understanding of card scheme rules, AML/CFT principles, and risk indicators specific to high-risk acquiring. You will monitor real-time and post-transaction activity, analyse patterns and trends, and work closely with the Compliance, Commercial, and Finance teams to ensure timely reviews and risk mitigation actions.

The ideal candidate will be proactive, methodical, and comfortable working in a fast-paced environment. This role contributes directly to maintaining TPF's commitment to secure, compliant, and transparent payment processing for our global merchant base.

Location: This position is located in Gzira, Malta, and requires locally based candidates.

Main responsibilities

• Monitor and analyse transaction activity across TPF's acquiring and EMI payment channels to identify unusual patterns, potential fraud, or breaches of merchant/individual risk thresholds.
• Utilise internal transaction monitoring tools, chargeback data, and external fraud detection tools to detect and assess suspicious behaviour in real time and post-settlement.
• Conduct detailed investigations into flagged transactions and merchant activity, documenting findings and assessing exposure or potential non-compliance with card scheme or regulatory requirements.
• Collaborate with Compliance and Finance teams to validate alerts, ensure consistency in decision-making, and escalate confirmed or high-risk cases for further review or regulatory reporting.
• Support the enhancement of TPF's monitoring rules, risk models, and thresholds to improve detection accuracy and reduce false positives.
• Maintain accurate, complete, and timely records of investigations in accordance with internal policies, card scheme standards, and applicable AML/CFT regulations.
• Stay informed on Visa and Mastercard rules, emerging fraud trends, typologies, and relevant industry or regulatory developments affecting high-risk merchant monitoring.
• Contribute to ongoing development of TPF's fraud and transaction monitoring framework by proposing process improvements and control enhancements.
• Provide operational support to internal stakeholders, including assisting Customer Support and Onboarding teams in resolving transaction-related queries or risk reviews.

What We are Looking For

• Must be based in Malta
• Naturally inquisitive mindset with a proactive approach to identifying potential risks and inconsistencies.
• 2/3+ years' experience in fraud analysis or a similar role, preferably within a fraud managed service company or financial institution.
• Strong knowledge of AML/CFT regulations, internal policies, and procedural requirements, complemented by a solid understanding of card scheme regulations (Visa and Mastercard), including approval ratios, transaction routing, interchange, fraud rules, and scheme compliance standards.
• Excellent attention to detail and the ability to work in a fast-paced and dynamic environment.
• Comfort engaging directly with external partners, merchants, and clients on fraud/monitoring topics
• Knowledge of industry regulations and compliance standards related to fraud management is a plus
• Strong written and verbal communication skills; capable of producing clear documentation, guidance, and reports

What We Offer:

• Flexible working conditions.
• Competitive Salary 
• Daily Lunch allowance 
• Private Medical Insurance
• Gym allowance - available after probation period 
• Birthday/anniversary gifts 
• Training and development opportunities - available after probation period