Business Analyst - AML & Fraud Prevention - English

Data-Driven AML & Fraud Prevention

📍 Utrecht, Netherlands

💰 Competitive salary

💼 Permanent (Hybrid)

🌍 EU-based candidates only

About the Company

This fintech is building the next generation of trust in digital payments. Their real-time verification technology is used by major banks and payment providers across Europe, helping stop fraud before it reaches customers.

They’re now expanding into a more data-driven future, combining analytics, risk intelligence, and automation to build a smarter fraud and AML ecosystem - and they need a Business Analyst who can bring clarity, structure, and direction as they scale.

About the Role

As the Business Analyst for AML & Fraud, you’ll sit at the intersection of risk, compliance, product, and engineering.

Your main focus? Understanding regulatory expectations, analysing data, mapping processes, and turning all of that into clear business requirements that help the company build better KYC, onboarding, monitoring, and fraud-detection capabilities.

This is a hands-on BA role where you’ll shape how financial crime prevention is designed, documented, and embedded into the product.

What You’ll Do

• Map, analyse, and improve AML, KYC, onboarding, and fraud-prevention processes.
• Translate regulatory requirements (Wwft, FATF, DNB) into actionable business rules and product requirements.
• Work closely with Product, Risk, Data, and Engineering to refine onboarding flows, monitoring rules, and alerts.
• Analyse behavioural and transactional data to identify patterns, evaluate rule performance, and suggest improvements.
• Gather requirements from stakeholders and document them into user stories, workflows, and acceptance criteria.
• Support the development and improvement of the Risk Control Framework.
• Help prepare data-backed reports, dashboards, and insights for auditors and regulators.
• Collaborate with data teams to ensure AML logic is correctly embedded within the platform.
• Contribute to documentation: policies, procedures, process maps, and functional specifications.
• Offer guidance to more junior analysts around process mapping, documentation, and data analysis.

What You Bring

• 5–8+ years’ experience in AML, fraud, or financial crime - ideally within fintech, payments, or regulated financial services.
• Strong understanding of KYC, onboarding, risk scoring, and transaction monitoring flows.
• Experience translating compliance/risk requirements into clear business processes and functional requirements.
• Comfortable working with SQL or BI tools (Looker, Power BI) to support analysis.
• Solid grasp of fraud typologies, detection logic, and common control frameworks.
• Skilled communicator - able to work across business, compliance, engineering, and data teams.
• Fluent in English (Dutch is a plus).

Bonus Points

• Experience with rule engines, automated scoring, or real-time alerting systems.
• Exposure to onboarding APIs or KYC vendor integrations.
• Basic scripting skills (Python or similar) for investigative analysis.
• Experience in broader risk management environments.

Why This Role Matters

This is not just a documentation role.

You’ll be helping the company design smarter, more automated, and more transparent AML & fraud processes - using data and technology as your tools.

Your work directly shapes how millions of European transactions are protected every day.