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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.
OverviewOrbital 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 critical role in safeguarding the integrity of our payments platform by leading the detection, investigation, and escalation of suspicious activity across both fiat and cryptocurrency transactions. This role is central to ensuring compliance with AML/CTF regulatory obligations, mitigating financial crime risks, and supporting the company\’s mission to maintain a secure, trusted, and resilient environment for customers, merchants, and partners.
You will act as a senior subject-matter expert and people leader, bridging operational execution and strategic oversight, while continuously enhancing the effectiveness of the transaction monitoring framework.
Responsibilities / activities
Lead day-to-day transaction monitoring activities across fiat and crypto products, ensuring consistent and high-quality reviews in line with internal policies and regulatory requirements.
Perform and oversee the analysis of transaction monitoring alerts, assessing behavioural patterns, transactional flows, and risk indicators to determine legitimacy.
Investigate complex or high-risk cases and ensure appropriate escalation to MLROs, including the preparation, review, and timely submission of SARs/STRs.
Work closely with Compliance, MLROs, and other key stakeholders to maintain a consistent and risk-based approach to financial crime identification and mitigation.
Monitor, analyse, and document emerging trends, typologies, and anomalies related to money laundering, fraud, terrorist financing, sanctions evasion, and other financial crime risks.
Provide expert feedback to enhance transaction monitoring rules, scenarios, thresholds, and alert quality, supporting system tuning and ongoing optimisation.
Support and quality-assure customer due diligence and ongoing monitoring activities, including reviews of merchants and higher-risk customers.
Ensure accurate case documentation, audit trails, and record-keeping in line with regulatory and internal governance standards.
Oversee team resourcing, including shift coverage and overtime tracking, to maintain operational effectiveness.
Support onboarding, training, and mentoring of transaction monitoring analysts, acting as a senior escalation point and coach.
Deliver guidance and training across the business on risk-impacted payments, AML typologies, and the effective use of monitoring tools.
Stay current on regulatory developments, industry trends, and evolving risks within fintech, payments, and crypto environments.
Assist with special projects, regulatory change initiatives, audits, and ad hoc investigations as required.
Scope of accountability
The Transaction Monitoring Lead is accountable for maintaining a robust and effective transaction monitoring control environment. This includes tracking key risk and performance indicators, identifying root causes of control weaknesses, and contributing to practical, risk-based solutions.
The role also supports the assessment of new products, initiatives, and regulatory changes, providing insights to stakeholders on potential impacts to the company\’s financial crime risk profile.
Essential skills, qualifications and experience
Degree educated or equivalent experience in a relevant field.
Minimum of 3 years\’ experience in transaction monitoring, AML compliance, or financial crime risk roles, ideally within banking, fintech, payments, or crypto.
Strong working knowledge of AML/CTF regulations and frameworks, including FATF recommendations, EU AML Directives, FCA guidance, and other relevant jurisdictional requirements.
Hands-on experience with transaction monitoring systems and tools (e.g. Actimize, ComplyAdvantage, Chainalysis, Elliptic, Featurespace, SumSub, or similar).
Proven experience reviewing and escalating SARs/STRs and supporting regulatory reporting obligations.
Solid understanding of KYC, customer due diligence, and ongoing monitoring best practices.
Strong analytical and investigative skills, with the ability to assess complex transactional behaviour across B2C and B2B payment flows.
Experience supporting or leading transaction monitoring teams, including quality assurance and case oversight.
Excellent written and verbal communication skills, with the ability to document decisions clearly and engage effectively with senior stakeholders.
Desirable skills, qualifications and experience
Experience within fast-paced, high-growth fintech or payments environments.
Familiarity with merchant underwriting, acquiring, payment facilitation, or SaaS-based payment models.
Working knowledge of data analysis or query tools (e.g. SQL or similar).
Chainalysis Reactor Certification or equivalent financial crime qualifications (e.g. ACAMS).
Strong problem-solving mindset with a proactive, hands-on approach to continuous improvement.
Confidence engaging directly with merchants, payment partners, auditors, and regulators.
Highly organised, detail-oriented, and able to manage multiple priorities effectively.
A growth mindset, with openness to learning and adapting to evolving financial crime risks and regulatory expectations.
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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.
