Compliance at Lumi is in an exciting time – and we’re growing.

We’re seeking a motivated Compliance Analyst to join our team. Reporting directly to the Enterprise Risk & Compliance Manager you’ll support the AML/CTF Program through investigations, transaction monitoring, due diligence, and regulatory compliance activities.

This role is aimed at candidates who are early in their financial crime career. Some experience is preferred, and a financial crime qualification or related degree is strongly preferred. We’ll also consider candidates with transferable skills who are keen to build a career in financial crime compliance.

Ideal candidates are seeking growth and the opportunity to learn from experienced colleagues and expand their scope of ownership within a growing compliance team.

WHO IS LUMI?

We are 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 have ranked in the top #3 on the Australian Financial Review BOSS Best Places to Work Banking, Superannuation and Financial Services list. We ranked #36 among the fastest-growing technology companies in Australia in the 2022 Deloitte Technology Fast 50 Australia.



We are also WeMoney’s Small Business Lender of the Year – two years running.

We foster a workplace where everyone feels a sense of 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.

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

- Review, investigate, and escalate unusual transaction alerts and customer activity.
- Prepare and submit Suspicious Matter Reports (SMRs) to AUSTRAC.
- Perform KYC/CDD/ECDD checks for both individuals and non-individual accounts (including companies and trusts).
- Conduct PEP and sanctions screening, investigate potential matches, and escalate as required.
- Support investigations into potential breaches of the AML/CTF Program and escalate confirmed breaches,
- Manage Lumi’s external fraud helpline, triaging reports, responding to enquiries, and escalating suspected fraud.
- Complete financial crime training for non-compliance colleagues across Lumi, helping them understand and manage ML/TF and fraud risks.
- Contribute to the enhancement of Financial Crime systems, processes, policies,



and procedures, ensuring they remain robust and compliant with regulatory requirements.
- Provide compliance and AML advisory support to internal business units, assisting them in identifying and managing ML/TF risks.

THIS PERSON IS SOMEONE WITH…

- Some experience in AML/CTF or fraud prevention within financial services is preferred.
- A financial crime qualification or related degree (strongly preferred), or transferable skills from a related field such as risk or analytics.
- An understanding of, or a keen interest in learning, the Australian AML/CTF Act, Rules, and AUSTRAC reporting obligations.
- Exposure to, or a willingness to learn, KYB requirements for non-individual accounts (corporates, trusts, and other complex structures).
- Good analytical and investigative skills, with the ability to produce transparent and actionable findings.
- Clear written and verbal communication, with the confidence to handle difficult conversations, and train/support colleagues.
- High attention to detail, process-driven, and capable of managing multiple priorities in a fast-paced environment.

BENEFITS & PERKS

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, rooftop BBQs

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

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

Career & Growth: Rapid advancement opportunities, higher education sponsorship, hackathons

📌 Compliance Analyst – AML, Fraud and KYC (Sydney)
🏢 Lumi
📍 Sydney