AML/FRAUD COMPLIANCE LEAD

Own and continuously develop company's AML/CTF framework, ensuring it meets the requirements of the FCA, FINTRAC, EFCC/NFIU (Nigeria), and other applicable regulators.

Lead the design and implementation of transaction monitoring rules, typologies, and detection scenarios across the app and company platforms.

Oversee the investigation and timely Suspicious Activity Report (SAR) filing process, ensuring high-quality intelligence submissions to the relevant FIUs.

Build and manage a team of AML analysts and fraud investigators, providing mentorship, workload management, and quality assurance.

Lead the KYC/KYB programme, including customer due diligence (CDD), enhanced due diligence (EDD), and ongoing monitoring processes.

Manage the company's fraud operations, including real-time fraud detection, case management, and recovery efforts across card, account-to-account, and cross-border payment fraud.

Perform sanctions screening oversight and manage the watchlist management programme across OFAC, UN, HM Treasury, and EU sanctions lists.

Serve as the primary point of contact for regulatory examinations, audits, and information requests from FCA, FINTRAC, and law enforcement agencies.

Collaborate with the product and engineering teams to embed compliance controls into product design through a compliance-by-design approach.

Conduct regular risk assessments (Business-Wide Risk Assessments and Customer Risk Assessments) and present findings to the Board and senior management.

Develop and deliver AML and fraud awareness training for all staff on a regular basis.

Keep abreast of evolving regulatory guidance, emerging financial crime typologies, and best practices in the payments sector.

7+ years of experience in AML, financial crime, or fraud compliance, with at least 3 years in a leadership or management role. 

Proven experience within a regulated payment institution, e-money institution, or MSB — ideally with FCA-regulated entity experience. 

Deep expertise in UK AML regulations (Proceeds of Crime Act, Money Laundering Regulations 2017), FATF guidance, and FINTRAC requirements. 

Hands-on experience with transaction monitoring systems (e.g., Featurespace, NICE Actimize, Jumio, Sardine, or similar platforms). 

Strong knowledge of fraud typologies in cross-border payments, card fraud, APP fraud, and account takeover scenarios. 

Experience managing SAR filing processes and liaising with the National Crime Agency (NCA) or equivalent FIUs. 

Excellent analytical, investigative, and report-writing skills. 

ICA Diploma in AML, ACAMS certification, or equivalent professional qualification is required. 

Demonstrated experience presenting to boards, regulators, and senior executives. 

Experience working across multiple jurisdictions and with African payment markets is a significant advantage. 

Competitive salary benchmarked to senior compliance roles in the UK fintech sector 

Opportunity to architect the compliance function of a fast-scaling global payment company 

Direct line to the CEO and Board with significant decision-making authority 

Flexible, remote-first working environment 

Support for continued professional development and certifications