Transaction Monitoring Associate - Payment Compliance

The Community you will join:

Our small and extremely capable team of Gurgaon-based colleagues strive to make the impossible happen for our inbound and outbound travelers within this big and diverse market. ACC is providing varied services under Community Support thereby providing world-class customer experience to our customers. Besides this, ACC is also building deep capabilities for different verticals like Homes, Finance Technology Group, Finance Shared Services, Payments, Analytics, etc.

The Payments (Payments Risk and Compliance Team) team’s mission is to keep the online payment ecosystem safe and optimized to enable anyone, anywhere to pay and be paid with confidence, create a world-class compliance organization and have a data driven approach to building an innovation friendly, scalable compliance program. Our goal is to ensure that Airbnb Payments can grow in a safe fashion, with risks appropriately measured and mitigated.

The Difference You Will Make:

Transaction Monitoring Associate supports Airbnb’s payments compliance activities. This position is responsible for managing high volumes of alerts and/or cases generated by multiple queues to satisfy processes required by AML, Economic Sanctions Enforcement and other compliance programs. This role ensures that day-to-day compliance activities relating to these programs are maintained to a high standard.

A Typical Day:

• Expert in SQL, handling large/complex data sets, skim through the dataset and check red flags 
• Design and run complex SQL queries to extract, clean, and aggregate large datasets.
• Investigate anomalies flagged by compliance tools or data pipelines.
• Handles complex, ambiguous cases with significant business impact and current fraud trends. Prepare detailed investigation reports for stakeholders or regulators.
• Background in compliance, risk, data science, or technical project management.
• Innovate and automate data analysis, risk detection, and compliance monitoring.
• Lead deep-dive investigations on large, dynamic datasets. Identify trends, risk patterns, and actionable insights
• Investigate cases originating from customer network analysis, graphing connections, and chasing network trends across global jurisdictions (e.g., ID fraud in Canada, account takeover in Brazil).
• Conduct in-depth investigations into complex transaction monitoring alerts, focusing on potential money laundering, exploitation, drug trafficking, human trafficking, and other high-risk categories.
• Handle escalated and special cases, such as Child Exploitation, International Trafficking, and large Fraud Rings, by applying advanced analytical and investigative techniques.
• Lead proactive reviews and deep dives into medium and large host networks, analyzing patterns that may indicate illicit activity or coordinated abuse.
• Prepare investigative summaries, risk assessments, and comprehensive reporting for internal stakeholders and regulatory filings as required.
• Advise on controls and process improvements for transaction monitoring, participating in cross-functional projects to enhance Airbnb’s risk detection and mitigation capabilities.
• Assist in the assessment of potential risks, patterns and trends based on case review and investigations completed. 
• Assist and support leadership with procedure and workflow changes that may impact multiple teams and/or regions with the support of your manager. 
• Identify accurately and escalate compliance risks and opportunities to the Compliance Management. 

Your Expertise:

• Bachelor’s Degree or Technical Equivalent. 
• Advanced SQL proficiency, comfortable independently querying, analyzing, and drawing insights from large, dynamic financial datasets.
• At least 3+ years of hands-on experience in Data analytics, business intelligence, or data engineering, risk, payments, compliance, or domain-specific analytics, AML, banking, or transaction monitoring, with a strong track record in high-risk investigations.
• Writing complex queries on large and sometimes messy data sets. Familiarity with performance tuning, ETL processes, and data warehousing
• Proven expertise managing complex special cases such as exploitation, trafficking, and coordinated fraud, including international context.
• Demonstrable experience with data-driven casework, leveraging network mapping tools and techniques (e.g., customer connections, network graphing, fraud ring tracing).
• Strong background in conducting proactive and thorough investigations into medium and large-scale host networks and events, with examples of actionable outcomes.
• Exceptional written and verbal communication skills, with the ability to summarize findings and recommend action clearly to both technical and non-technical audiences.
• Ability to thrive in a fast-paced, collaborative, and ever-changing environment while maintaining rigorous attention to investigative detail and regulatory compliance.
• Ability to work closely and build trust with your team and other teams. 
• Exceptional organization and process management ability. 
• High level of personal integrity, interest in payments as evidenced by related work experience, proven dedication to excellence, leadership qualities and a flexible, creative, innovative approach to problem solving. 
•  Ability and desire to work in a fast-paced environment. 

Our Commitment To Inclusion & Belonging:

Airbnb is committed to working with the broadest talent pool possible. We believe diverse ideas foster innovation and engagement, and allow us to attract creatively-led people, and to develop the best products, services and solutions. All qualified individuals are encouraged to apply.