Transaction Monitoring Lead – Card & Crypto Payments

This is a fully remote position, open to applicants in Malaysia, +2 more countries.

📋 Description

• Lead investigations into complex and high-risk alerts related to AML, fraud, and crypto-specific typologies.

• Manage and resolve existing backlogs of Visa card-scheme and digital-asset alerts within service level agreements, ensuring documentation of rationale and outcomes.

• Prepare and submit SARs/STRs to the JFIU and other relevant authorities as needed, while maintaining comprehensive audit trails.

• Conduct forensic analysis of fiat and blockchain transaction networks utilizing blockchain analytics tools where applicable.

• Serve as the primary operational stakeholder for the transaction monitoring vendor during the transition to automated systems.

• Evaluate alert performance, minimize false positives, and recommend rule-tuning adjustments in collaboration with Product and Engineering teams.

• Design, test, and advocate for detection scenarios and typologies specifically aimed at PSP and crypto-asset risks.

• Draft, update, and manage transaction monitoring standard operating procedures (SOPs) in alignment with FCC policies.

• Convert regulatory and scheme requirements into effective process steps and control points.

• Establish L1/L2 escalation matrices, investigation standards, and quality control checkpoints.

• Mentor colleagues, set standards for investigation quality, provide on-call support, and perform spot checks and quality control reviews.

• Facilitate knowledge-sharing sessions, create playbooks, and enhance team capabilities through coaching.

⛳️ Requirements

• 8-12+ years of experience focused on Transaction Monitoring.

• Experience in Fintech, Payments (card issuing and/or acquiring), or Web3/Crypto.

• Strong understanding of the differences between fiat transaction rails and blockchain flows.

• In-depth knowledge of Visa/Mastercard scheme monitoring requirements and relevant AML and fraud typologies.

• Practical experience with contemporary transaction monitoring and blockchain analytics tools, including Unit21, Flagright, Chainalysis, and Elliptic.

• Ability to clearly articulate transaction monitoring rule logic.

• Start-up mentality; ready to address alerts while developing strategy and comfortable working in dynamic environments.

• CAMS, CFE, or ICA International Diploma in AML are advantageous.

• Previous experience in establishing a transaction monitoring function or transitioning from manual to automated monitoring is a plus.

• Working proficiency in SQL and/or data visualization for analyzing rule performance and designing experiments is a plus.

🏝️ Benefits

• Flexible hybrid/remote work environment with a global, collaborative team.

• Access to AI tools at work, with opportunities to learn, experiment, and grow with them.

• A culture that promotes innovation, inclusion, and continuous learning.