Operational Risk Manager (Finance) in Moffat

Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 70+ million customers get more from their money every day. So far, we have 13,000+ people working around the world, from our offices and remotely, to help us achieve our mission. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

Our Financial Crime team blends regulatory expertise with data-driven thinking to make sure our products meet legal and policy requirements and deliver real value to customers. In a fast-moving, digital environment, they stay one step ahead by finding smart, scalable ways to prevent financial crime.

We're looking for a Financial Crime Risk Manager with expertise in cross-border transfers to collaborate with our first-line FinCrime teams in building safe, effective controls. You'll work closely with stakeholders across the first and second lines in multiple jurisdictions, ensuring rigorous due diligence, risk-based decision-making, and continuous oversight of our banking partners.

Responsibilities:

• Leading the financial crime risk assessment and advisory process for onboarding partners.
• Maintaining relationships with banking partners, including setting functional requirements for financial crime systems and controls.
• Reviewing and challenging the AML/CFT frameworks of prospective and existing banking partners against internal standards and risk appetite.
• Assessing and documenting customer due diligence, ownership structures, control frameworks, and expected fund flows.
• Establishing and embedding processes for ongoing monitoring, including periodic reviews, trigger event assessments, and transactional risk profiling.
• Drafting and presenting written risk assessments and recommendations to relevant committees for onboarding and continued engagement decisions.
• Monitoring and interpreting relevant regulatory and typology developments (e.g., FATF, Wolfsberg, Travel Rule) to inform controls and processes.
• Maintaining and ensuring detailed, audit-ready documentation in internal systems, and providing support during audits or regulatory inquiries.

What you'll need:

• ~8+ years of experience in a correspondent banking related role, conducting and documenting enhanced due diligence reviews on financial institutions.
• A deep understanding of global AML/CFT and sanctions standards (e.g., FATF, EU AMLDs, OFAC, Wolfsberg principles).
• Experience evaluating FinCrime policies, procedures, and processes, including transaction monitoring, screening, fraud prevention/detection, and customer onboarding.
• Solid analytical and problem-solving skills with sound judgement in risk-based decision making.
• Excellent written communication and presentation skills, including experience writing formal risk assessments and recommendations.

Nice to have:

• CAMS, ICA Diploma in AML, CFCS.
• In-depth knowledge of risk exposures arising from nested correspondent banking arrangements.
• Great data analytics skills using SQL, Python, etc. to detect patterns in transaction data and enhance risk profiling.
• Experience with system optimisation, defining functional requirements for KYC/AML tools, TM systems, and sanction screening solutions.
• Experience working with multi-jurisdictional teams, regulators, and legal environments.

Building a global financial super app isn't enough. Our Revoluters are a priority, and that's why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow every day. We're doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers.

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