Compliance Operations Manager, Transaction Monitoring

This is a fully remote position, open to applicants in United States.

📋 Description

• Take charge of the implementation of real-time transaction monitoring.

• Collaborate with the Engineering team to refine requirements, conduct user acceptance testing, and improve transaction monitoring tools.

• Develop and fine-tune AML rules, scenarios, and thresholds for fiat and stablecoin transactions across various corridors.

• Conduct above- and below-the-line testing and ongoing adjustments to minimize false positives while ensuring adequate coverage.

• Oversee transaction monitoring policies, procedures, investigation playbooks, QA standards, and documentation for model/rule validation.

• Establish transaction monitoring metrics for Compliance leadership and the Board.

• Manage daily alert triage, investigation workflows, case management, and tracking of dispositions.

• Evaluate held and pending transactions to determine whether to release, return, or escalate.

• Follow up with customers and integration partners for necessary information and documentation.

• Identify and investigate fraud patterns, including account takeovers, authorized push payment scams, social engineering scams, mule activity, and first-party fraud.

• Lead the decision-making and filing process for SAR and STR in the US, Bermuda, Brazil, Mexico, and relevant LATAM jurisdictions.

• Handle sanctions-related escalations and requests from law enforcement and partner banks, including 314(a), 314(b), and RFIs.

• Act as the primary contact for transaction monitoring inquiries from regulators, examiners, auditors, and correspondent and sponsor banks.

• Foster a culture of thorough documentation, sound judgment, and prompt, well-reasoned decision-making.

• Build and manage a team of transaction monitoring analysts as workload increases.

⛳️ Requirements

• Over 6 years of experience in AML, BSA, or financial crime compliance.

• A minimum of 3 years dedicated to transaction monitoring in a fintech, payments company, money services business, crypto firm, or banking environment.

• Practical experience in implementing or migrating a transaction monitoring system, including requirements writing, rule testing, and collaboration with an engineering team during launch.

• Proven history of writing and tuning AML rules and thresholds, with documented rationale for examiners and auditors.

• In-depth understanding of cross-border payment, remittance, and B2B money movement typologies.

• Knowledge of fraud patterns in real-time payments.

• Direct experience in making SAR decisions and filing them with FinCEN, including narrative writing and ongoing activity reviews.

• Experience in supporting regulatory exams, independent audits, or bank partner due diligence related to transaction monitoring programs.

• Ability to query transaction data using SQL and perform analyses to inform tuning decisions.

• Clear and concise writing capabilities and sound judgment in a fast-paced, ambiguous environment.

• Professional working proficiency in English.

• Availability to work hours that overlap with US Eastern and Brazil time zones.

• Candidates must have authorization to work in their country of residence.

• Visa sponsorship is not offered.

• Experience with stablecoin or digital asset transaction monitoring, on-chain analytics, and Travel Rule compliance is a plus.

• Certifications such as CAMS, CFE, CAMS-FCI, CCI, or CAMS-Audit are desirable.

🏝️ Benefits

• Health coverage (may vary by country of employment).

• Paid time off and holidays (may vary by country of employment).

• Home office or equipment allowance (may vary by country of employment).

• Professional development budget (may vary by country of employment).

• In-person team offsites.

• Employer of record or contractor engagement for candidates outside the US, with compensation and benefits structured according to local laws and market practices.