Senior Compliance Analyst - KYC, Fraud, AML/CTF

WHO IS LUMI?

We’re a leading Fintech small business lender fuelling growth by making finance more accessible.

We deliver fast & flexible funding designed to meet the unique needs of Australian businesses. With over $1.5 billion funded since 2018 and backing for 15,000+ small businesses, we're trusted for our speed, high quality service, and tailored approach.

WORKING AT LUMI

We are building a culture where you can grow and make a difference for customers. We are looking for people to join us on this journey who are passionate, curious and great problem-solvers.

We are incredibly proud of our awards, including most recently our Deputy CEO, Anna Hawter, receiving the Finnies’ 2025 Outstanding FinTech Leader of the Year award. We also ranked in the top #3 on the 2024 Australian Financial Review BOSS Best Places to Work Banking, Superannuation and Financial Services list, 2023 Best Workplace Diversity Award by FinTech Australia and the 2022 Empowering Innovation Affie Award. We also ranked #36 among the fastest-growing technology companies in Australia in the 2022 Deloitte Technology Fast 50 Australia.

We foster a workplace where everyone feels a sense of belonging and respect and can reach their full potential. If you need any adjustments for a fair recruitment process, please let us know when applying.

OUR VALUES

Egos at the door

We own. We don’t judge. We don’t blame. We are open. We are in this together. We are respectful.

See the customer

We show up. We understand. We anticipate. We do what we say. We genuinely focus on solutions.

Think lean

We make things simple. We are resourceful. We understand the problem. We think ahead.

Learn to grow

We are curious. We challenge. We try. We fail forward. We learn. We try again.

THE ROLE

We are seeking an experienced Senior Compliance Analyst to join our team. Reporting directly to the Senior Manager, Enterprise Risk & Compliance, you will be responsible for supporting and enhancing the AML/CTF Program through advanced transaction monitoring, due diligence, and regulatory compliance activities.

This role is ideally suited for candidates with exposure to financial crime compliance obligations who can bring practical knowledge of complex products and customer structures into an AML/CTF compliance environment.

KEY RESPONSIBILITIES

Ideal candidates are seeking growth and the opportunity to expand their scope of ownership in a specialist role within a growing compliance team. Duties and responsibilities include:

• Review, investigate, and escalate unusual transaction alerts, customer activity, and complex cases under AUSTRAC Transaction Monitoring, OCDD, and ECDD frameworks.
• Perform advanced KYC/CDD/EDD checks for both individuals and non-individual accounts (KYB for companies, trusts, and SMSFs).
• Conduct PEP and sanctions screening, investigate potential matches, and escalate as required.
• Carry out investigations into potential breaches of the AML/CTF Program and escalate confirmed breaches, including supporting with preparation and submission of Suspicious Matter Reports (SMRs).
• Contribute to the enhancement of Financial Crime systems, processes, policies, and procedures, ensuring they remain robust and compliant with regulatory requirements.
• Provide AML advisory support to internal business units, assisting them in identifying and managing ML/TF risks

THIS PERSON IS SOMEONE WITH

• Demonstrated experience in AML/CTF or financial crime experience.
• Industry experience in financial services is preferred with strong knowledge of the Australian AML/CTF Act, Rules, AUSTRAC reporting obligations.
• CAMS certification (or equivalent) strongly preferred.
• Skilled in analysing transaction data, identifying emerging fraud trends, and developing/optimising investigations.
• Demonstrated experience with KYB requirements for non-individual accounts (corporates, trusts, and other complex structures).
• Strong analytical and investigative skills, with the ability to produce clear and actionable findings.
• High attention to detail, process-driven, and capable of managing multiple priorities in a fast-paced environment.

PERKS & BENEFITS

Wellbeing: Free counselling, seasonal activities, Wellbeing Allowance, wellness room, flu shots

Work Life: Home Workspace Allowance, Purchased Leave, Parental Leave, Parental Flex Leave, Lumi Life Leave for challenging events, breastfeeding/expressing space

Social & Food: Monthly lunches, regular celebrations, stocked kitchen, beer & kombucha on tap, board games, ping pong, rooftop BBQs

Rewards & Recognition: Competitive pay, referral bonuses, shout-out recognitions

Community Support: Paid volunteer leave, diversity celebrations, company volunteer days

Career & Growth: Advancement opportunities, higher education sponsorship, hackathons