Lead AML Risk, Compliance

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

📋 Description

• Lead the prevention and risk management function for Money Laundering, Terrorism Financing, and Proliferation Financing (AML/FT/FP-ADM).

• Ensure the design, operation, calibration, and continuous improvement of the transaction monitoring and screening system for remittance corridors and stablecoins across Latin America, Europe, and the United States.

• Be responsible for the operational management of the Data & Monitoring AML team.

• Direct and develop the Data & Monitoring AML team, ensuring staffing, planning, workload distribution, SLA by quadrant, and quality of alert investigations.

• Guarantee coverage, segregation of duties, and operational traceability for the team during multi-jurisdictional operations in LATAM-EU-US.

• Ensure the end-to-end operation of the DASH AML system and the integrated tools within the monitoring ecosystem (Chainalysis KYT/Reactor, MetaMap, SumSub, Inspektor).

• Oversee the AML queue, prioritization of critical cases, quality of investigations, and closure with robust evidence.

• Sample review of closures and C3/C4 escalations.

• Lead back-testing and periodic validation of models.

• Coordinate with the Chainalysis technical team and Data Engineering for the implementation, adjustment of thresholds, and evolution of scenarios.

• Ensure timely preparation and technical quality of regulatory reports (ROS/SAR, ROE, and similar documents).

• Maintain monitoring reports with operational and risk metrics for internal use, the AML Risk Committee, the Board of Directors, and authorities.

• Supervise the execution and documentation of restrictive list screenings (OFAC, UN, EU, local).

• Ensure continuous re-screening and event-driven re-screening, as well as updating the DDC level (S/E/A/R) in coordination with KYC.

• Keep the Comprehensive AML Risk Matrix updated regarding monitoring and KYT.

• Lead transactional analysis using SQL, Python, and BI tools to detect trends, anomalies, and new risk patterns in remittances and stablecoins.

• Serve as a technical counterpart to Internal Audit.

⛳️ Requirements

• University degree in Law, Business Engineering, Economics, Civil Engineering, Data Science, Statistics, Audit, Accounting, or a related field.

• A postgraduate degree or diploma in Compliance, Money Laundering Prevention, Risk Management, or Financial Regulation is desirable.

• A current professional certification in AML/FT (CAMS, ICA Diploma, ACAMS Risk Management, CFE, or equivalent) is preferred, and it is mandatory by the end of the first year in the position.

• A Chainalysis certification (CRC, CCI, or CKI) is desirable.

• A minimum of 7 years of experience in regulatory compliance, prevention of LA/FT/FP, transaction monitoring, or AML risk management in fintech, banking, EMI/PSP, VASP, or remittance services.

• At least 3 years of experience leading monitoring, compliance, or AML risk teams, with responsibility for SLA, KPIs, and talent development.

• Proven experience in the operation and management of monitoring engines (DASH AML, Actimize, SAS, NICE, Hummingbird, ComplyAdvantage, or equivalent) and KYT tools (Chainalysis KYT/Reactor or equivalent).

• Demonstrated experience in preparing, reviewing, and/or supporting ROS/SAR submissions to financial intelligence units (UAF, UIAF, SBS-UIF, UIF, COAF, SEPBLAC, or FinCEN).

• Previous experience interacting with internal/external audits, regulators, and inspections in at least two jurisdictions within the LATAM-EU-US corridor.

• Experience in the design and implementation of SAGRILAFT.

• Experience in transnational corridors and sensitivity to the profile of the Latin American migrant client.

• Substantive knowledge of the AML/FT regulatory framework applicable to remittances, stablecoins, and VASP, including FATF Recommendations and the Travel Rule.

• Proficiency in the Three Lines of Defense Model (FATF/IIA) and comprehensive AML risk matrices.

• In-depth operational knowledge of monitoring engines and KYT tools, ideally DASH AML and Chainalysis KYT/Reactor.

• Familiarity with KYC/KYB platforms: MetaMap, SumSub, Inspektor, or equivalents.

• Intermediate-advanced skills in SQL and desirable skills in Python (pandas) for exploratory analysis and model validation.

• Desirable experience with Business Intelligence tools: QuickSight, Power BI, Tableau, or equivalent.

• Advanced proficiency in Excel/Google Sheets (pivot tables, advanced formulas, modeling).

• Desirable familiarity with CRMs (Salesforce, HubSpot, or equivalent) and Notion.

• Advanced use of LLMs/AI with analytical criteria (structuring prompts, interpreting outputs, applying logic in complex monitoring flows) is desirable.

• Intermediate-advanced level of English (technical regulatory reading and communication with providers and authorities).

🏝️ Benefits

• A strategic role with a direct impact on the lives of migrant communities.

• 100% remote work with flexible hours and genuine autonomy.

• Competitive compensation.

• A diverse, multicultural team with a lot of heart — we are Retorners.

• A culture of continuous learning, psychological safety, and purpose-oriented.

• Budget for equipment and professional development.

• Integration, wellness, and team connection activities (even though we are remote).