AML & Compliance Specialist

About UsMoneymoon is a pioneering Fintech platform transforming short-term microlendingthrough secure, compliant, and seamless peer-to-peer technology. We enable individuals tosupport one another through a one-month lending model built on transparency, safety, andtrust.As we progress through the Saudi Central Bank (SAMA) Regulatory Sandbox and preparefor full licensing, strong AML controls, regulatory compliance, customer protection, andeffective governance are critical to our mission.Your RoleWe’re looking for an AML & Compliance Specialist to support Moneymoon’s AML, regulatorycompliance, 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, regulatorytracking, and internal reporting.This role is ideal for a fresh graduate who is highly curious, analytical, detail-oriented, andeager to build a career in compliance and financial crime within a fast-moving fintechenvironment.You will also be encouraged to use AI, automation, and modern productivity tools to makeregulatory research, monitoring, documentation, and analysis faster, smarter, and moreefficient.Your ResponsibilitiesAML & Financial Crime

• Support customer due diligence and KYC reviews to ensure required customerinformation and documentation are complete and accurate.
• Review customer profiles and financing activities to identify unusual or potentiallysuspicious behavior.
• Support transaction monitoring activities and review alerts generated through AML orfraud monitoring scenarios.
• Assist in identifying suspicious patterns, customer behavior, transaction trends, andfinancial crime risks.
• Support enhanced due diligence activities for higher-risk customers or cases whenrequired.
• Maintain accurate AML case records, investigation notes, evidence, and supportingdocumentation.
• Escalate unusual or suspicious activities to the relevant Compliance and AMLstakeholders.
• Support the review and periodic improvement of AML monitoring scenarios and internalcontrols.
• 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 regulatoryrequirements.
• Support regulatory research and translate applicable requirements into clear internalactions.
• Assist in maintaining Moneymoon’s regulatory obligations tracker and follow up onimplementation 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 regulatoryrequirements 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 internalpractices from a compliance perspective.
• Document compliance observations, recommendations, and action items and follow up onagreed remediation.
• Support investigations into potential regulatory breaches, policy violations, andcompliance 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 compliancereviews 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, controltesting, reporting, and compliance monitoring.
• Explore ways to simplify repetitive AML and compliance tasks through automation andsmarter workflows.
• Use AI-assisted analysis to help identify patterns, inconsistencies, regulatory gaps, andpotential 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, RiskManagement, 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 regulatoryenvironment.
• Exposure to a fast-paced startup or fintech environment is considered a strongadvantage.
• Interest in AML, regulatory compliance, financial crime, fintech regulation, and SAMArequirements.
• Strong analytical skills and excellent attention to detail.
• Ability to read regulations, policies, and procedures and translate them into practicalactions.
• 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 productivityplatforms 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 ForYou are curious and naturally interested in understanding how regulations work, whycontrols exist, and how risks can be prevented before they become problems.You are comfortable reading regulations, reviewing details, asking questions, andchallenging inconsistencies when something does not make sense.You are also highly interested in AI and technology and actively look for ways to use them towork faster, reduce manual effort, and improve the quality of compliance and AMLactivities.You do not need years of experience, but you do need a strong willingness to learn, takeownership, and grow quickly.You enjoy working in a startup environment where priorities move fast, responsibilities arebroad, and people are expected to contribute beyond the boundaries of their job title.Most importantly, you are excited to build your career in AML, regulatory compliance,fintech risk, and AI-enabled compliance while helping Moneymoon build a safe, trusted, andregulator-ready financial platform.