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- Tasks: Lead investigations into suspicious transactions and ensure compliance with regulations.
- Company: Orbital is revolutionising global payments by merging traditional banking with blockchain technology.
- Benefits: Enjoy a dynamic work environment, competitive pay, and opportunities for growth in fintech.
- Why this job: Join a mission-driven team at the forefront of fintech innovation and make a real impact.
- Qualifications: Degree or equivalent experience in banking/fintech; 2+ years in a similar role preferred.
- Other info: Be part of a fast-paced, high-growth company shaping the future of payments.
The predicted salary is between 43200 - 72000 £ per year.
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Combining equal expertise in traditional finance and digital asset treasury solutions, Orbital is a trusted and regulated partner for global financial management.
Until now, multinationals have been forced to choose their finance tools piecemeal. We provide our clients with all they need to run their financial operations from a single interface; multi-currency accounts, custody vaults, international payments and FX supporting 30+ fiat and exotic currencies, and crypto-commerce C2B payments.
What is our mission?:
Orbital is on an exciting mission to revolutionise global cross-border payments by innovatively combining traditional fiat banking rails with stablecoins over blockchain rails for a variety of use cases. Our class leading B2B payments platform offers multi-currency e-money accounts (corporate IBANs) combined with a suite of digital assets services. Our company sits at the frontier of payments & fintech, by intersecting blockchain and traditional (fiat) financial services, and is leading the way to bridging those two worlds for corporate enterprises globally.
We believe blockchain technology is firmly here to stay, and we want to be the first to bring a combined offering of fiat & crypto payment services under one exciting platform. Learn more about our team and company story here.
What is the purpose of this role in the delivery of our mission?
As a Transaction Monitoring Lead, you will play a vital role in protecting the integrity of our payments platform by identifying and investigating suspicious activities across fiat and cryptocurrency transactions. Your work will ensure we meet regulatory obligations, prevent financial crime, and support our company’s mission to maintain a secure and trusted environment for our customers and partners.
What are the key responsibilities of the role:
Team management: You will make sure that all shifts are covered and overtime is logged correctly.
Training of new employees: You will assist in training of new employees who work on transaction monitoring tasks as well as help other workers of the company navigate risk affected payments and tools.
Transaction Monitoring: Conduct daily monitoring and review of fiat and cryptocurrency transactions to detect unusual or potentially suspicious activity in accordance with internal policies and regulatory requirements.
Alert Investigation: Investigate transaction monitoring alerts by analysing transactional behaviour, assessing patterns, and determining the legitimacy of flagged activities.
Suspicious Activity Reporting: Escalate findings and prepare detailed reports, including Suspicious Activity Reports (SARs), ensuring all documentation is accurate and submitted within required timeframes.
Data Analysis: Analyse transaction data to identify emerging trends, typologies, or unusual patterns that could indicate potential financial crime, including money laundering or fraud.
Merchant & Customer Review: Conduct reviews of new and existing customers, including merchants, as part of ongoing monitoring efforts; assess transactional behaviour and evaluate financial documentation when necessary.
System Feedback & Optimization: Contribute to the development and enhancement of transaction monitoring systems by providing feedback on alert quality, system performance, and emerging risks.
Cross-Team Collaboration: Collaborate with compliance, and MLROs to support investigations, share findings, and ensure a unified approach to identifying and mitigating transaction-related risks.
Industry and Regulatory Awareness: Stay informed about regulatory updates, financial crime trends, and best practices in transaction monitoring across fiat and cryptocurrency sectors.
Record Keeping: Maintain detailed, accurate records of investigations, escalations, and decisions in line with internal procedures and regulatory expectations.
Ad-hoc Support: Provide additional support to the compliance team as needed, including participating in special investigations or project work.
What is the scope of accountability for the role:
Institutionalize Key Risk Indications (KRI) and Key Performance Indicators (KPI) framework for business.
Analyze root cause analysis and assist in the development and completion of risk mitigation strategies.
Monitor, Review and communicate the impact of risk profile of future initiatives
What are the essential skills, qualifications and experience required for the role?
You hold a tertiary education degree
You have at least 2+ years of professional experience in a similar role, preferably with Banking and FinTech Industries and experience in merchant underwriting and risk with a merchant processor/acquirer, payment facilitator, SaaS provider or fintech company.
You have a solid understanding of the process, risk, and control design concepts and governance from operational risk management or audit perspective.
You have an understanding of know-your-customer (KYC) requirements, tools and best practices.
You have knowledge of both consumer (B2C) and commercial (B2B) payments.
What are the desirable skills, qualifications and experience that would be beneficial for the role?
At least a flawless English language ability with outstanding communication & presentation skills.
A strong problem-solving skills and willingness to roll up your sleeves.
A positive and flexible attitude to work, particularly with new initiatives.
A strong analytical skill, attention to detail, highly organised.
Empathetic to the needs and challenges of our merchants.
Decisive, yet open to continual learning.
Comfortable interacting directly with our merchants and payment processing partners.
Strong at time management, able to multitask and prioritise tasks appropriately.
At least familiar with data query languages, such as SQL or similar.
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Transaction Monitoring Lead employer: Orbital
Contact Detail:
Orbital Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Transaction Monitoring Lead
✨Tip Number 1
Familiarise yourself with the latest trends in both fiat and cryptocurrency transaction monitoring. Understanding the nuances of how these systems operate will give you an edge during interviews, as you'll be able to discuss relevant examples and demonstrate your knowledge.
✨Tip Number 2
Network with professionals in the fintech and banking sectors. Attend industry events or join online forums where you can connect with others who work in transaction monitoring. This can lead to valuable insights and potentially even referrals for the role.
✨Tip Number 3
Brush up on your KYC (Know Your Customer) practices and regulations. Being well-versed in compliance requirements will not only help you in the role but also show your commitment to maintaining a secure payments environment during the interview process.
✨Tip Number 4
Prepare to discuss specific scenarios where you've identified and mitigated risks in previous roles. Having concrete examples ready will showcase your problem-solving skills and your proactive approach to transaction monitoring, making you a standout candidate.
We think you need these skills to ace Transaction Monitoring Lead
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in transaction monitoring, compliance, and risk management. Use keywords from the job description to demonstrate that you meet the essential skills and qualifications.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of both fiat and cryptocurrency transactions. Explain how your background aligns with Orbital's mission and how you can contribute to their goals in protecting the integrity of their payments platform.
Highlight Relevant Experience: In your application, emphasise any previous roles where you dealt with suspicious activity investigations or compliance. Provide specific examples of how you identified risks and contributed to mitigating them.
Showcase Analytical Skills: Demonstrate your analytical abilities by discussing your experience with data analysis, especially in relation to transaction monitoring alerts. Mention any tools or languages you are familiar with, such as SQL, that could be beneficial for the role.
How to prepare for a job interview at Orbital
✨Understand the Role and Responsibilities
Before your interview, make sure you thoroughly understand the key responsibilities of the Transaction Monitoring Lead role. Familiarise yourself with transaction monitoring processes, regulatory requirements, and how they relate to both fiat and cryptocurrency transactions.
✨Showcase Your Analytical Skills
Be prepared to discuss your analytical abilities and how you've used them in previous roles. Highlight specific examples where you've identified suspicious activities or trends in transaction data, as this will demonstrate your capability to handle the responsibilities of the position.
✨Familiarise Yourself with Compliance Regulations
Since the role involves working closely with compliance teams, it's crucial to have a solid understanding of relevant regulations and best practices. Brush up on KYC requirements and any recent changes in financial crime legislation that may impact the industry.
✨Prepare Questions for the Interviewers
Interviews are a two-way street, so prepare insightful questions to ask your interviewers. Inquire about the company's approach to risk management, the tools they use for transaction monitoring, and how they stay ahead of emerging financial crime trends. This shows your genuine interest in the role and the company.
