Manager, Transaction Monitoring (AML Compliance)

Checkout.com·Londonsenior

In short

→Gestiona el cumplimiento del monitoreo de transacciones contra el lavado de dinero (AML) desde la segunda línea de defensa.
→Evalúa, desafía y asegura que los sistemas de detección cumplan con regulaciones globales y el riesgo de la empresa.
→Es un rol especializado de experto en cumplimiento, no de diseño técnico ni ejecución de controles.

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What they ask for

✓Experiencia en cumplimiento de AML/CTF/CPF en entornos financieros o de pagos.
✓Conocimiento profundo de marcos regulatorios como FCA, FATF, y normativas de monitoreo de transacciones.
✓Capacidad para realizar análisis de riesgo y escaneo prospectivo de tendencias del crimen financiero.
✓Habilidades de comunicación y colaboración con equipos de primera y segunda línea.
✓Experiencia en evaluación de modelos de detección y gestión de riesgo de modelos.
✓Formación o experiencia en auditoría, cumplimiento o control interno.

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Transaction Monitoring (TM)AML ComplianceCTFCPFSecond Line of Defence (2LoD)Compliance Risk AssessmentsEWRAProduct Risk AssessmentsRegulatory Landscape MonitorinModel Risk Management

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com . You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day. We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale. If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact. With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started. THE ROLE The Transaction Monitoring (TM) Compliance Manager is a specialized financial crime risk and regulatory oversight role within the Second Line of Defence (2LoD) Financial Crime Compliance department. The successful candidate is responsible for providing independent oversight, objective evaluation, and compliance challenges regarding the efficacy of the firm's Transaction Monitoring framework. Acting as a Second Line Subject Matter Expert (SME), the individual defines the regulatory envelope, assesses TM risk coverage, and reviews the governance, methodologies, and documentation underpinning detection mechanisms. This role does not own control execution or technical solution design; instead, it provides independent assurance to ensure that the firm’s monitoring practices remain aligned with defined risk appetite, internal policies, and global regulatory expectations (AML/CTF/CPF). Responsibilities: 1. Compliance Oversight in Risk Assessment & Horizon Scanning Independent Review : Lead the ongoing 2LoD evaluation and challenge of the Compliance Risk Assessments (including EWRA and Product Risk Assessments) to ensure they accurately reflect current transaction data, typologies, and product utilization trends. Regulatory Surveying & Horizon Scanning: Proactively monitor, survey, and analyze shifts in the global regulatory landscape, financial crime trends, and regulatory enforcement actions to ensure the firm's TM Compliance risk assessment framework remains comprehensive and defensible. Gap Assurance: Evaluate the mapping of financial crime typologies against active transaction monitoring coverage to independently identify and escalate potential tracking gaps to senior management. 2. Independent Compliance Challenge & Assurance Framework Segmentation & Calibration Challenge: Provide independent, 2LoD challenge to data-driven customer segmentation methodologies executed by the First Line (1LoD), verifying alignment with merchant risk profiles. Compliance Oversight in Tuning & Optimization: Review and evaluate the methodologies, statistical testing parameters, and documentation for periodic "Below-the-Line" (BTL) and "Above-the-Line" (ATL) testing performed by the First Line to ensure robust governance. Residual Risk Opining: Formulate independent compliance opinions regarding residual risk acceptance, providing formal advisory input to governance forums and the Global MLROs. 3. , FCA guidance on model risk management). Strategic Alignment: Provide regulatory compliance support to the Head of TM to assist in aligning roadmap initiatives with the compliance maturity framework.

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