Антифрод / AML специалист вакансии

Yellow Card is looking for an AML Compliance Officer to lead Zimbabwean AML compliance, implement controls, investigate transaction alerts, and engage regulators.

Здесь придётся строить систему, которая выдерживает эту гонку и успешно борется с лучшими фродерами мира;

Задачи: — Предоставлять предложения по внедрению новых правил мониторинга транзакций и настройке существующих — Проверять AML и другие оповещения о финансовых преступлениях в очереди мониторинга транзакций и принимать необходимые меры — Связываться с пользователями для получения информации об использовании их счетов и транзакциях — Работать с партнерами и внутренними командами для оценки информации, полученной от пользователей — Расследовать и отвечать на запросы информации (RFI) от банков-партнеров, предоставляя четкие и обоснованные AML-обзоры активности клиентов — Принимать решения по учетным записям пользователей, включая блокировку или закрытие счетов — Развивать понимание ожидаемой активности для каждого типа пользователей — Документировать результаты расследований и передавать необычную или потенциально подозрительную активность партнерам для рассмотрения SAR — Развивать внимательность к потенциальному мошенничеству или отмыванию денег — Исследовать инструменты, которые могут облегчить работу — Писать четкую документацию по текущим процессам и помогать обучать новых сотрудников Требования: — Опыт выявления отмывания денег, обнаружения мошенничества или других финансовых преступлений в банковской сфере, финтехе или финансовых услугах с использованием как сторонних, так и внутренних правил мониторинга транзакций — Знание терминологии банковских транзакций, включая ACH, чеки, дебетовые и кредитные карты, а также международные и внутренние переводы — Понимание бизнес-ландшафта банков и знакомство с международной деятельностью и собственностью — Эмпатия и умение общаться с пользователями — Умение эффективно и ясно излагать сложные концепции устно и письменно — Уверенное управление отношениями с внешними сторонами — Умение работать эффективно и сосредоточенно — Организованность и аккуратность в ведении электронной почты — Любовь к решению проблем и повышению эффективности команд, продуктов и процессов — Интерес к автоматизации рабочих процессов — Любознательность относительно банковской системы США, стартапов и компаний электронной коммерции Условия: — Полная занятость — Удаленная работа в пределах США (Сан-Франциско, Нью-Йорк, Портленд или удаленно) — Конкурентная зарплата и пакет вознаграждений, включающий базовую зарплату, акции (опционы/RSU) и льготы — Зарплата зависит от опыта, географии и внутреннего равенства оплаты Mercury ценит разнообразие и равные возможности при найме, предоставляет разумные условия для кандидатов с особыми потребностями.

Location: London, England, United Kingdom; Dubai Workplace: hybrid We are a leading trading platform that is ambitiously expanding to the four corners of the globe. Our top-rated products have won prestigious industry awards for their cutting-edge technology and seamless client experience. We deliver only the best, so we are always in search of the best people to join our ever-growing talented team. As a Head of FinCrime Operations you will own operational performance and quality, turn policy into working procedures, AI and automation roadmap and work with Compliance and Financial Crime Product so that our people, processes and tools keep pace with the business.   This is a new position based in Dubai or London, reporting directly to the VP, Financial Crime. Responsibilities Operational performance. Manage operational performance across the customer lifecycle. Balance timely decisions with investigation quality, effective controls and fair customer treatment, using evidence from case reviews as well as service measures. KPIs. Own Financial Crime Operational KPIs, including AI automation and quality. Procedures. Translate financial crime policies and agreed control requirements into practical procedures with Compliance and relevant process owners. Keep guidance current and make escalation routes clear when a case requires specialist judgement or approval. Capacity and skills. Plan staffing, skills and training with managers and workforce planning specialists. Anticipate changes in demand and case complexity, and address capacity gaps before they become persistent backlogs or control weaknesses. Quality. Establish an effective quality process. Use findings to identify inconsistent decisions, improve procedures and check that training or corrective actions have changed the quality of the work. Tools and automation. Work with Financial Crime Product to identify weaknesses in tools and workflows. Define operational needs, contribute to testing and prepare teams to use new capabilities, including approved automation and AI. New products and markets. Prepare the operation for new products and markets with Compliance, Product and local leadership. Assess procedures, training and capacity needs, and escalate unresolved readiness gaps through the agreed launch process. Incidents and control failures. Lead the operational response to incidents and material control failures. Preserve useful evidence, involve the appropriate decision-makers and follow remediation through to completion, supporting audits and regulatory reviews when required. Requirements Significant experience leading financial crime operations in financial services, fintech, payments or another regulated environment, including managing managers across several teams. Significant experience leading financial crime operations in financial services, fintech, payments or another regulated environment, including managing managers across several teams. Experience leading teams spread across several countries, keeping standards and decisions consistent between locations. Deep practical knowledge of financial crime controls: customer due diligence and enhanced due diligence, KYC, sanctions and PEP screening, transaction monitoring, fraud and investigations, including suspicious activity reporting. Understanding of AML and counter-terrorist financing requirements across several jurisdictions, such as the UK Money Laundering Regulations, the EU AML Directives and their equivalents in Australia, the UAE and the Bahamas, and how they apply in day-to-day casework. A track record of setting and running operational KPIs that cover timeliness, quality and automation, and using them to improve results. Experience working with product and engineering teams on new tools, automation or AI, including defining requirements, testing and preparing teams for adoption. Experience leading incident response and remediation, and supporting internal audit and regulatory reviews. Nice to have Experience in online brokerage, trading platforms or digital banking. Familiarity with financial crime tools for screening, identity verification, transaction monitoring or case management. What you will get in return: • Competitive Salary: We believe great work deserves great pay! Your skills and talents will be rewarded with a salary that makes you feel valued and motivated. • Work-Life Harmony: Join a company that genuinely cares about you - because your life outside of work matters just as much as your time on the clock. #LI-Hybrid • Generous Time Off: Need a breather? Our annual leave policy lets you recharge and enjoy life outside of work without a worry. • Employee Referral Program: Love working here? Share the love! Bring your talented friends on board and get rewarded for growing our awesome team. • Comprehensive Health & Pension Benefits: From medical insurance to pension plans, we’ve got your back. Plus, location-specific benefits and perks! • Workation Wonderland: Live your digital nomad dreams with 30 extra days to work remotely from anywhere in the world (some restrictions apply). Adventure awaits! • Volunteer Days: Make a difference! Take two additional paid days each year to support causes you care about and give back to the community. Be a key player at the forefront of the digital assets movement, propelling your career to new heights! Join a dynamic and rapidly expanding company that values and rewards talent, initiative, and creativity. Work alongside one of the most brilliant teams in the industry. Applicable for Poland: Our company has an Internal Reporting Procedure. It is available from the Human Resources Department upon request hr@capital.com. You may report a violation referred to in the Procedure under the terms specified therein.

Location: London, England, United Kingdom; Dubai Workplace: hybrid We are a leading trading platform that is ambitiously expanding to the four corners of the globe. Our top-rated products have won prestigious industry awards for their cutting-edge technology and seamless client experience. We deliver only the best, so we are always in search of the best people to join our ever-growing talented team. As Head of Financial Crime Product, you will set the strategy and own the roadmap for the products behind our financial crime controls, from onboarding and screening to monitoring and case management. You will lead a team of Product Owners and work closely with Operations, Compliance and Engineering to decide what gets built, why, and how well it performs once live.     This is a new position based in Dubai or London, reporting directly to the VP, Financial Crime. Responsabilities Strategy and roadmap. Set the financial crime product strategy. Build financial crime controls, own the product roadmap, agree delivery priorities and capacity with Engineering, and be responsible for the outcomes. Leadership. Lead and develop Financial Crime Product Owners. Establish clear ownership of product areas and help the team make sound decisions through research, data analysis and a close understanding of operational work. Prioritisation. Prioritise improvements with Operations, Compliance and Engineering. Examine the underlying problem, assess alternative solutions and make trade-offs explicit when risk, customer impact and delivery effort point to different choices. Control design. Translate control requirements into product designs and acceptance criteria with the relevant control owners. Work with Engineering on feasibility and delivery, maintaining a clear distinction between product decisions and technical implementation. Customer journey. Improve how financial crime capabilities connect across the customer journey. Address gaps in data quality, case information and handovers so customers avoid unnecessary repetition and operational teams can make well-informed decisions. Build or buy. Assess opportunities to build or buy capabilities with Engineering and relevant partner teams. Evaluate functionality, integration needs and ongoing costs, and set clear expectations for the performance of external products. Automation and AI. Lead product discovery and delivery for automation and AI applications. Agree evaluation methods, acceptance criteria and human oversight with the appropriate owners, and assess performance after deployment. New products and markets. Prepare capabilities for new products and markets with Operations, Compliance and local leaders. Make dependencies and readiness gaps visible, and coordinate releases, training and adoption with the teams who will use them. Performance after launch. Measure product performance after launch using control results, operational evidence and customer experience. Use findings to improve the roadmap and address features that create additional effort or fail to deliver their intended benefit. Requirements Significant product management experience in financial crime, regtech or compliance technology, including leading other product managers or product owners. Strong working knowledge of financial crime controls: customer due diligence and KYC, sanctions and PEP screening, transaction monitoring, fraud prevention and case management. Understanding of AML and counter-terrorist financing requirements across several jurisdictions, such as the UK Money Laundering Regulations, the EU AML Directives and their equivalents in Australia, the UAE and the Bahamas, and how they translate into product requirements. A track record of owning a roadmap and delivering with Engineering, writing clear requirements and acceptance criteria, and keeping product decisions separate from technical design. Experience making build-or-buy decisions and managing third-party vendors, including integration, cost and performance expectations. Hands-on experience delivering automation or machine learning in a regulated setting, with defined evaluation methods, human oversight and post-deployment monitoring. Comfort using data to find problems and measure results, for example alert volumes, false positive rates, case handling times and customer drop-off. Clear communication with senior stakeholders in Compliance, Operations and Engineering, and the judgement to make trade-offs between risk, customer impact and delivery effort visible. Nice to have Experience in online brokerage, trading platforms, payments or digital banking. Familiarity with financial crime vendors and tools for screening, identity verification, transaction monitoring or case management. Experience launching products or entering new markets under different regulators. What you will get in return: • Competitive Salary: We believe great work deserves great pay! Your skills and talents will be rewarded with a salary that makes you feel valued and motivated. • Work-Life Harmony: Join a company that genuinely cares about you - because your life outside of work matters just as much as your time on the clock. #LI-Hybrid • Generous Time Off: Need a breather? Our annual leave policy lets you recharge and enjoy life outside of work without a worry. • Employee Referral Program: Love working here? Share the love! Bring your talented friends on board and get rewarded for growing our awesome team. • Comprehensive Health & Pension Benefits: From medical insurance to pension plans, we’ve got your back. Plus, location-specific benefits and perks! • Workation Wonderland: Live your digital nomad dreams with 30 extra days to work remotely from anywhere in the world (some restrictions apply). Adventure awaits! • Volunteer Days: Make a difference! Take two additional paid days each year to support causes you care about and give back to the community. Be a key player at the forefront of the digital assets movement, propelling your career to new heights! Join a dynamic and rapidly expanding company that values and rewards talent, initiative, and creativity. Work alongside one of the most brilliant teams in the industry. Applicable for Poland: Our company has an Internal Reporting Procedure. It is available from the Human Resources Department upon request hr@capital.com. You may report a violation referred to in the Procedure under the terms specified therein.

Location: London, England, United Kingdom Workplace: hybrid We are a leading trading platform that is ambitiously expanding to the four corners of the globe. Our top-rated products have won prestigious industry awards for their cutting-edge technology and seamless client experience. We deliver only the best, so we are always in search of the best people to join our ever-growing talented team. Capital.com is expanding into new products, payment methods and jurisdictions, and our financial crime controls need to stay ahead of that growth. As VP, Financial Crime, you will own first-line financial crime across the business, from how investigations run day to day to the systems and controls behind them. You will lead two senior direct reports: the Head of Financial Crime Operations, who runs our investigations and casework, and the Head of Financial Crime Product, who owns the systems and controls the function relies on. Together you will cover the full customer lifecycle: onboarding, customer due diligence, risk assessment, screening, fraud, transaction monitoring, investigations and offboarding. You will set the strategy, shape the leadership team and give senior stakeholders a clear view of how well our controls are working. This is a senior role with a clear mandate and real scope: build a financial crime function ready for a much larger, more complex business. This is a new position based in Dubai or London, reporting directly to the Group Chief Operating Officer Responsibilities Set the first-line financial crime strategy and delivery plan. Shape the organisation, capacity and delivery model as the business grows, and track whether investment delivers the intended control and operational improvements. Build and lead the financial crime leadership team across Operations and Product. Develop managers, set clear accountability, align priorities and resolve delivery dependencies. Own the effectiveness of first-line controls across your remit. Work with Compliance and entity leadership to identify gaps, agree improvements and show that the changes address the underlying risk. Oversee operational performance, balancing investigation quality, timely decisions, customer experience and cost. Step in where recurring problems call for a change to the operating model or technology. et priorities for financial crime technology. Guide build-or-buy decisions using evidence of risk reduction, customer impact, delivery effort and ongoing cost. Prepare the function for new products and jurisdictions. Define the controls, systems and operational capacity each launch needs, and bring unresolved risks and readiness gaps into launch decisions. Lead the use of automation and AI where they improve outcomes, with proper testing, human oversight, ongoing evaluation and clear ownership of decisions and performance. Give senior leaders a clear view of control effectiveness, performance, material issues and the decisions required. Support audits and regulatory reviews, and lead the operational response to material issues with Compliance and local leadership Requirements A track record of leading first-line financial crime (fraud, AML, sanctions) at a fintech, neobank or bank operating at scale across several jurisdictions. Hands-on experience building financial crime controls and products from an early stage, covering deposits, withdrawals and the wider payments lifecycle. Experience leading leaders: managing managers across operational and product or technical teams, with clear accountability and measurable results. A strong grasp of operational performance management, including backlogs, SLAs, quality assurance, capacity planning and cost, and of how these trade off against customer experience. Experience setting financial crime technology priorities and making build-or-buy decisions based on risk reduction, cost and delivery effort. Sound judgement across AML, sanctions and fraud, including how policy and risk appetite translate into workable first-line controls, and a clear view of where Compliance's and the regulated entities' accountabilities begin. A practical, well-governed approach to automation and AI in financial crime operations, including model testing, human oversight and performance monitoring. Experience preparing for new product or market launches, working with Compliance, Product and local leadership to define readiness and surface risk.Confidence presenting to executive leadership and supporting regulatory reviews and audits, with clear, evidence-based reporting on control effectiveness and material issues. Nice to have: ICA or CAMS, exposure to online trading or digital assets What you will get in return: • Competitive Salary: We believe great work deserves great pay! Your skills and talents will be rewarded with a salary that makes you feel valued and motivated. • Work-Life Harmony: Join a company that genuinely cares about you - because your life outside of work matters just as much as your time on the clock. #LI-Hybrid • Generous Time Off: Need a breather? Our annual leave policy lets you recharge and enjoy life outside of work without a worry. • Employee Referral Program: Love working here? Share the love! Bring your talented friends on board and get rewarded for growing our awesome team. • Comprehensive Health & Pension Benefits: From medical insurance to pension plans, we’ve got your back. Plus, location-specific benefits and perks! • Workation Wonderland: Live your digital nomad dreams with 30 extra days to work remotely from anywhere in the world (some restrictions apply). Adventure awaits! • Volunteer Days: Make a difference! Take two additional paid days each year to support causes you care about and give back to the community. Be a key player at the forefront of the digital assets movement, propelling your career to new heights! Join a dynamic and rapidly expanding company that values and rewards talent, initiative, and creativity. Work alongside one of the most brilliant teams in the industry. Applicable for Poland: Our company has an Internal Reporting Procedure. It is available from the Human Resources Department upon request hr@capital.com. You may report a violation referred to in the Procedure under the terms specified therein.

Location: Melbourne, Victoria, Australia Workplace: hybrid We are a leading trading platform that is ambitiously expanding to the four corners of the globe. Our top-rated products have won prestigious industry awards for their cutting-edge technology and seamless client experience. We deliver only the best, so we are always in search of the best people to join our ever-growing talented team. Responsibilities: Enforce and enhance the company’s anti-money laundering framework, ensuring processes are robust and aligned with regulatory best practice. Operate within agreed service levels and KPIs, balancing regulatory obligations with business efficiency. Conduct targeted risk reviews and assessments to identify vulnerabilities and recommend actionable mitigation strategies. Record, escalate, and report suspicious transactions or activities promptly, ensuring accuracy and timeliness. Partner with internal stakeholders and external bodies to ensure coordinated responses to financial crime risks. Stay current on AML rules, regulations, and industry trends to anticipate changes and guide internal updates. Use analytical tools and digital techniques to identify patterns, trends, and anomalies in client behavior. Requirements: 1–2 years’ experience in AML, onboarding, or back-office functions within the brokerage, trading, or wider financial services industry. Proficiency in data analysis (Excel and similar tools), with strong statistical and reporting abilities. Sharp judgment and a practical approach to resolving compliance and risk challenges. Clear, concise, and structured communication skills, with the ability to present findings to stakeholders. High accuracy and thoroughness in assessing data, identifying risks, and completing regulatory reports. Business-level proficiency in English (B2 CEFR or higher). What Will You Get in Return? • Competitive Salary: We believe great work deserves great pay! Your skills and talents will be rewarded with a salary that makes you feel valued and motivated. • Work-Life Harmony: Join a company that genuinely cares about you - because your life outside of work matters just as much as your time on the clock. #LI-Hybrid • Generous Time Off: Need a breather? Our annual leave policy lets you recharge and enjoy life outside of work without a worry. • Employee Referral Program: Love working here? Share the love! Bring your talented friends on board and get rewarded for growing our awesome team. • Comprehensive Health & Pension Benefits: From medical insurance to pension plans, we’ve got your back. Plus, location-specific benefits and perks! • Workation Wonderland: Live your digital nomad dreams with 30 extra days to work remotely from anywhere in the world (some restrictions apply). Adventure awaits! • Volunteer Days: Make a difference! Take two additional paid days each year to support causes you care about and give back to the community. Be a key player at the forefront of the digital assets movement, propelling your career to new heights! Join a dynamic and rapidly expanding company that values and rewards talent, initiative, and creativity. Work alongside one of the most brilliant teams in the industry.

🌸Fraud Monitoring: Use advanced fraud detection tools and technologies to monitor user activity and identify suspicious behavior in real time. 🌸Fraud Investigation: Investigate fraudulent activity by analyzing patterns, trends, anomalies, and connections between individual or groups of operations.

Задачи: — Проверять адреса и транзакции, разбирать алерты и проводить расследования на платформе; — Оценивать качество данных, понятность риск-оценки и удобство подготовки отчётов (находить ошибки, пробелы и лишние действия); — Сравнивать рабочие сценарии с привычными инструментами и выявлять, что мешает получить надёжный результат; — Предлагать улучшения с конкретными примерами, формулировать требования вместе с продуктовой командой и проверять реализованные изменения. Требования: — Практический опыт крипто-AML/KYT на бирже, в криптоплатёжном / кастодиальном сервисе или финансовой организации (ориентир — от 2 лет, важнее глубина практики); — Регулярная работа в Chainalysis, TRM, Crystal, Elliptic или аналогичном инструменте в текущей или недавней роли; — Самостоятельное ведение кейсов: от проверки транзакции до обоснованного заключения для руководителя/проверяющего; — Умение проверять источники, объяснять ограничения данных и понятно излагать выводы; — Рабочий английский язык для общения и работы с документацией (внутри команды — русский); — Вакансия предполагает выполнение тестового задания. Будет плюсом: — Опыт работы с несколькими аналитическими платформами; — Опыт участия во внедрении или настройке инструмента; — Опыт углублённых расследований и отслеживания средств между сетями (программирование не требуется).

AMLCO - Job Description We are seeking an Anti-Money Laundering Compliance Officer (AMLCO) to lead regulatory and compliance efforts for the Poland region as Unlimit expands in Europe. This role oversees regulatory reporting to authorities, maintains and implements compliance policies, and manages financial crime prevention activities to support offering Polish IBANs and local financial services. What you will do AML / CFT / Sanction compliance: — Ensure effective AML/CTF/Sanction compliance throughout the business; — Act as Financial Interleague Unit reporting agent and correspondent for the Polish branch; — Identify AML/CTF/Sanction risks; — Monitor local developments; — Maintain and develop policies and procedures to stay compliant. Regulatory compliance: — Serve as the central point of contact with the Polish Financial Supervision Authority and other regulators; — Ensure regulatory requirements are met; — Assess risks and adjust processes; — Prepare periodic reports; — Assist with regulatory inquiries, inspections, audits; — Support internal system enhancements for AML purposes. Training & Awareness: — Prepare and deliver tailor-made AML/CTF/Sanction training for staff of the Polish branch. Transaction Monitoring: — Identify, monitor, and STRs; — Improve transaction monitoring systems; — Conduct ad-hoc reviews to ensure effectiveness. Customer KYC/KYB & Onboarding: — Oversee and manage KYC onboarding for new customers and review existing customers; — Ensure compliance with local and international KYC/ID verification requirements. Who we are looking for — 5+ years of experience as AML/CFT compliance officer or Deputy AML/CFT compliance officer at a credit institution or Electronic Money Institution. — Experience liaising with banks, auditors, regulators; — Ability to handle regulatory inquiries, inspections, audits. — Strong experience drafting, reviewing, and updating AML/CTF/Sanction policies and procedures; — Reflect best practices and regulatory changes. — Experience implementing and monitoring AML/CTF/Sanction practices across the business. — Excellent analytical and organizational skills; — Attention to detail. — Strong communication skills with all levels of the business and external partners. — University degree in a relevant field. Benefits & Perks — Unlimit is an equal opportunity employer; — Diverse workforce; — Recruitment decisions based on experience and skills. — AI tools may be used in parts of the hiring process but do not replace human judgment. — Final hiring decisions are by humans.

Location: Kazakhstan; Armenia; Georgia Workplace: Remote Salmon is a technology-driven financial company building a banking and lending platform across Southeast Asia, starting in the Philippines. We combine global fintech expertise with deep local market knowledge to make financial services simple, accessible, and useful for millions of people across the region. 7M+ app downloads. 2M+ monthly active users. 7,000+ partner stores. US$310M+ raised from leading global investors. Manila-based, globally distributed, and hybrid-first — our team spans 45+ countries. If you want to solve complex problems at scale and impact how millions of people access and manage money, come build with us. Southeast Asia's fintech moment starts here. About the role: You'll own fraud and abuse detection across our cashback, credit, promo, and referral mechanics — building the monitoring that keeps these programs profitable and safe. What you'll do: - You'll be the dedicated fraud and abuse analytics owner for loyalty, cashback, credit, and referral programs across Salmon Bank. - You'll work directly with Risk, Product, and business teams — moving from a suspicious pattern to a tested hypothesis, an investigation, and a permanent monitoring rule. - The schemes you catch and the controls you build directly shape how much abuse costs the business, and how fast we close each gap. What you'll own: - Monitor transactions and customer behavior across cashback, promo, referral, and credit products to catch abuse patterns as they emerge. - Build and maintain SQL/Python-based reports and monitoring across large transactional datasets. - Form and test hypotheses on potential abuse schemes, then investigate flagged cases and assess their financial impact. - Calculate the economics behind each case — potential and actual losses, revenue impact, cost of abuse — to prioritize what gets fixed first. - Work with business and product teams to close the gaps: propose changes to product terms, promo rules, or cashback mechanics. - Turn every closed case into a permanent alert or trigger, and revisit past cases on a regular basis to check whether the pattern has returned. What makes you a strong fit: - Experience investigating and preventing abuse in banking or financial programs — cashback, credit cards/credit lines, promotions, referral programs, loyalty programs, or quasi-cash/transaction abuse. - You don't need to have covered every category above — what matters is hands-on experience building continuous monitoring, not one-off analysis. - Strong SQL and Python (or equivalent scripting), comfortable working directly with large transactional databases. - A track record of turning a hypothesis into a working monitoring system, not just a one-time report. What we offer: Ownership and flexibility - Fully remote work with core collaboration hours from 12:00 to 6:00 PM Manila time (UTC+8) - Company-provided tools and equipment Health and time off - Medical insurance support for you and your family through co-funding or reimbursement, depending on your location and subject to policy limits - Access to an internal mental health support specialist - 22 vacation days, Philippine public holidays, and 15 sick days Growth and team experience - Opportunities to learn and share your expertise through internal expert meetups, external conferences, speaking opportunities, and industry publications - Company-sponsored trips to Manila to meet and work with your team in person - High-performing teams can earn a dedicated beach house week in Southeast Asia

Location: New York, NY (HQ); San Francisco, CA; Remote (US); Miami, FL Workplace: Hybrid ABOUT RAMP Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role As a member of Ramp’s Financial Crimes Compliance Team, you will play a key role in executing Ramp’s Anti–money laundering (AML) and sanctions compliance program. You will be responsible for conducting investigations, preparing unusual and suspicious activity reports (UARs, SARs), driving process improvement, and supporting AI and automation initiatives for the AML program. This role is primarily focused on comprehensive investigations arising from escalated transaction-monitoring alerts and internal referrals. You will evaluate the customer relationship and relevant activity holistically, document clear and defensible risk conclusions, and prepare high-quality SARs and UARs when appropriate. You will flex into other Financial Crimes Compliance workflows as business needs evolve, including sanctions, politically exposed persons (PEPs), and enhanced due diligence reviews. You will also help strengthen how Financial Crimes Compliance operates. This is an opportunity for someone who combines rigorous risk-based judgment with a builder mindset: improving review workflows, quality standards, and procedures while partnering with Product, Engineering, Design, Data (PEDD) to develop the tooling, automation, and AI-enabled capabilities that will allow Ramp to scale responsibly. This role is ideal for someone who thrives in a fast-paced fintech environment, has strong analytical and investigative skills, and is excited about building scalable processes to support Ramp’s growth. What You’ll Do - Lead comprehensive investigations of escalated transaction-monitoring alerts and internal referrals, maintaining appropriate case documentation, making defensible risk-based decisions, and meeting regulatory reporting obligations. - Recommend account actions or restrictions based on financial crimes risk, and present findings and recommendations to the Account Review Board. - Draft and file SARs and prepare applicable partner reporting, ensuring narratives are clear, evidence-based, timely, and confidential. - Conduct secondary and peer reviews of investigations and filings, strengthening quality, consistency, and investigator judgment. - Identify and drive practical improvements to investigation workflows, procedures, quality standards, tooling, and training. - Partner with Compliance, Risk, PEDD, and Operations to build scalable workflows, automation, and AI-enabled capabilities. - Flex into other Financial Crimes Compliance work, including sanctions, PEPs, customer due diligence, and enhanced due diligence reviews, as program needs require. What You Need - Minimum 5 years of experience in BSA/AML advisory or operations teams, with at least 2 years in BSA/AML investigations - Demonstrated experience drafting and filing SARs and making recommendations to leadership on account actions such as offboarding or risk acceptance - At least 1 year of experience conducting secondary or peer reviews of financial-crimes investigations - Deep knowledge of money-laundering and terrorist-financing typologies, with the ability to apply that knowledge to Ramp’s products, payment flows, and business-customer risk. - Demonstrated experience improving financial-crimes processes, procedures, controls, tooling, training, or quality standards. - AI fluency, including the ability to design repeatable, validated multi-step AI-assisted workflows with clear inputs, outputs, review checkpoints, and defined processes to identify, correct, and improve unreliable results. - Prior Fintech experience Nice to Haves - Experience working with bank partners, card issuers, payment partners, or other regulated financial-services partners, including diligence requests, audits, reporting, or operational escalations. - ACAMS certification or an equivalent qualification. - Experience delivering automation or AI-assisted workflow improvements in a regulated compliance environment. BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) - Flexible PTO - Centralized home-office equipment ordering - Health and wellness stipend - Budget for intra-office travel - Weekly coffee stipend UNITED STATES - 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents - One Medical annual membership - 401(k), including employer match on contributions made while employed by Ramp - Fertility HRA (up to $10,000 per year) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay - Pet insurance - In-office perks: lunch, snacks, drinks, and more - Relocation expense coverage to NYC or SF (if needed) CANADA - Group medical, dental, and vision coverage through Sun Life - Life, AD&D, and disability coverage - Fertility drug coverage (up to $4,000 lifetime) - Group Retirement Plan with employer match (RRSP + DPSP) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay - Employee Assistance Program and virtual care through Lumino Health UNITED KINGDOM - Private medical insurance through Freedom Elite - Virtual GP and at-home care via eMed x Livi - Workplace pension through Penfold, with salary sacrifice option - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay REFERRAL INSTRUCTIONS If you are being referred for the role, please contact that person to apply on your behalf.   OTHER NOTICES Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.   Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice

The role We are hiring a Senior Fraud Investigator to own the operational side of fraud and risk program: monitoring, investigations, case decisions, and merchant communication. What you will do - Monitor and analyse activity across the platform. - Investigate flagged cases. - Be decisive and own your decisions. - Communicate directly with merchants. - Strengthen the controls. - Support the prevention program. - Automate and effectivize. - Maintain clear documentation of investigation findings, decisions, and compliance procedures. What we are looking for - Experience (5+ years) in fraud operations, investigations, transaction monitoring, or merchant risk at a PSP, Merchant of Record, acquirer, fintech, or high-volume online merchant. - Analytical skills: confident working with transaction data and risk signals; SQL or similar hands-on data skills are a strong plus. - Working knowledge of the compliance context: onboarding and verification requirements, monitoring expectations, and what PSPs and card networks expect from a platform's risk operations. What we offer - Relocation assistance if you are currently outside Tallinn. - Official employment in Estonia. - Social benefits. - Private health insurance. - 100 monthly sports allowance. - 28 days of annual leave.

Обязанности: • Во время стажировки разбираться в цифровых следах атак, анализировать события безопасности и вместе с экспертами участвовать в расследовании инцидентов. Требования: • SQL для работы с данными; • Умение структурировать информацию и формулировать аналитические выводы; • Знание методологий качественных и количественных исследований; • Базовые навыки анализа данных в Python будут плюсом. Условия: • Локация: Москва; • График: 5/2; • Рабочие часы: от 4-х (по договоренности); • Зарплата: от 60 000 до 100 000 ₽.

Location: United Kingdom Workplace: Remote BUILDING THE FUTURE OF OPEN FINANCE Payward - the parent company behind Kraken, NinjaTrader, Breakout, xStocks, Payward Services and CF Benchmarks - has spent the last 15 years building one of the most modern and globally accessible financial infrastructure platforms in the industry, built to advance an open, global financial system. THE TEAM Founded in 2011, Kraken is one of the world's longest-standing crypto platforms, trusted by over 10 million individuals and institutions across the globe. It offers spot trading, margin, futures, staking, and OTC services, with products built for both individual investors and institutional clients. We are seeking an experienced and driven MLRO to lead the financial crime compliance programmes across Payward Ltd (PWL) and Payward Services Ltd (PSL), two FCA-regulated UK entities within the Kraken Group. This is a senior role with end-to-end responsibility for the effectiveness of the firms’ anti-money laundering (AML), counter-terrorist financing (CTF), and sanctions controls. You will provide strategic and operational leadership across all aspects of financial crime risk management. This includes maintaining a robust control framework, advising on risk treatment across products and clients, and overseeing the operation and continuous improvement of transaction monitoring and sanctions screening systems.     THE OPPORTUNITY - Oversight of the AML/CTF and sanctions compliance frameworks across PWL and PSL - Develop, implement and maintain the firm’s AML/CTF policies, controls and procedures, ensuring that any global policies, controls and procedures meet UK regulatory requirements - Oversight of transaction monitoring, internal SAR and external SAR/DAML reporting - Oversight of CDD, EDD, enhanced monitoring and sanctions screening processes for the UK - Approve all new high risk client relationships and all periodic review outcomes of existing HRCs - Maintain and regularly update the firms’ business-wide financial crime risk assessments - Provide expert advice on AML and sanctions compliance across the customer lifecycle, including onboarding, periodic review, and investigations - Coordinate internal assurance activity and support external audits and regulatory reviews of the financial crime framework - Deliver training and awareness programmes to ensure staff understand their financial crime responsibilities - Prepare regular reporting and MI for senior management, risk committees, and the board - Lead delivery of UK MLRO team monthly review of UK corporate clients - Produce an annual MLRO report to the Board of Directors that assesses the overall AML/CTF framework and highlights emerging risks and improvements planned - Review monthly compliance and AML MI in order to identify trends, issues and ensure appropriate mitigation / escalation to the Board where appropriate - Attend relevant Committee meetings and Board meetings, support Executive decision making, escalate AML program related issues - Lead on strategic AML framework initiatives/implementations (e.g. Travel Rule) - Horizon scanning - monitor regulatory developments and ensure timely updates to internal policies and procedures - Liaise with law enforcement and regulatory authorities as required: - Regular engagement with FCA supervisory team - PoC for NCA - Support LEAs with setting up accounts     WHAT YOU BRING - Significant experience in AML/CTF and financial crime compliance within a regulated financial services firm - Deep understanding of the UK Money Laundering Regulations, Proceeds of Crime Act, UK sanctions regime (OFSI), and relevant industry guidance (e.g. JMLSG) - Proven track record of operating or overseeing transaction monitoring, sanctions screening, and customer due diligence systems - Skilled in translating complex regulatory requirements into actionable policy and operational controls - Confident communicator, able to influence senior stakeholders and represent the firm in external engagements - Proactive, detail-oriented, and resilient — with the ability to lead cross-functional initiatives and manage competing priorities     NICE TO HAVES - Significant experience in AML/CTF and financial crime compliance within a regulated cryptoasset, e-money, or payments firm       Unless a specific application deadline is stated in the job posting, applications are accepted on an ongoing basis. Please note, applicants are permitted to redact or remove information on their resume that identifies age, date of birth, or dates of attendance at or graduation from an educational institution. We consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance. OUR COMMITMENT Payward is powered by people from around the world and we celebrate the diverse talents, backgrounds, contributions, and unique perspectives that everyone brings to the table. We hire based on merit, seeking out people with the right abilities, knowledge, and skills for the job. We encourage you to apply for roles where you don't fully meet the listed requirements, especially if you're passionate or knowledgeable about crypto. We may ask candidates to complete job-related skills or work-style assessments as part of our hiring process. These assessments evaluate competencies relevant to the role and are applied consistently across candidates for similar positions. Results are considered alongside experience and interviews, and are not the sole basis for any employment decision. As an equal opportunity employer, we don't tolerate discrimination or harassment of any kind, whether based on race, ethnicity, age, gender identity, citizenship, religion, sexual orientation, disability, pregnancy, veteran status, or any other protected characteristic as outlined by federal, state, or local laws. Stay connected Follow us on Twitter https://twitter.com/krakenfx Learn on the Kraken Blog https://blog.kraken.com/#:~:text=Enter%20your%20email%20address Connect on LinkedIn https://www.linkedin.com/company/kraken-exchange/ Candidate Privacy Notice https://www.kraken.com/legal/candidate-privacy-notice

Задачи: — Оценивать платёжеспособность клиентов, исследовать источники данных, строить модели оценки дохода и кредитной нагрузки, внедрять их в скоринг — Сегментировать клиентов по уровню благосостояния, использовать данные экосистемы для ранжирования и персонализации решений — Проверять гипотезы, применять A/B-тестирование, методы прикладной статистики и ML-подходы — Оптимизировать ручные проверки — определять, кто действительно нуждается в ручной верификации, чтобы снизить нагрузку на операции и повысить прибыль — Строить модели оценки дохода и благосостояния клиентов Требования: — Знание теории вероятностей — Знание математической статистики и классических методов машинного обучения — Владение SQL, Python (pandas, sklearn) — Умение анализировать бизнес-процессы — Умение адаптировать скоринговые модели под стратегию Условия: — Гибридный график и офис у метро «Белорусская», в котором есть Т-Клиника, салон красоты, фитнес-зоны, комнаты для сна и медитации, терраса с панорамным видом — Возможность работы в аккредитованной ИТ-компании — ДМС со стоматологией, включая чекапы, компенсацию покупки лекарств и льготные условия страхования для близких, страховка от несчастных случаев и болезней — Рост по карьерному треку с курсами по софт- и хард-скиллам, поддержкой ментора, матрицей компетенций и регулярным ревью — Сильное комьюнити с экспертами, конференциями, митапами и статьями — Онлайн-консультации с психологами, юристами, специалистами по финансам и здоровому образу жизни — Компенсация затрат на спортивные абонементы, приложение Т-Спорта и командные тренировки — Завтраки и обеды в Т-Кафе, ресторан и кофейни в офисе, кухни на этажах — 3 дополнительных дня к отпуску или компенсация — Специальные тарифы на продукты Т-Банка и программу скидок от партнеров — Достойная зарплата, обсуждаемая на собеседовании

Ipotekabank — банк Узбекистана, входящий в международную финансовую OTP Group, специализирующийся на ипотечном и розничном кредитовании. Офис в Ташкенте. Вакансия Tech Lead (Daily Banking, CVM, Антифрод).

Location: Pakistan (Remote) Who We Are At OKX, we believe that the future will be reshaped by crypto, and ultimately contribute to every individual's freedom. OKX is a leading crypto exchange, and the developer of OKX Wallet, giving millions access to crypto trading and decentralized crypto applications (dApps). OKX is also a trusted brand by hundreds of large institutions seeking access to crypto markets. We are safe and reliable, backed by our Proof of Reserves. Across our multiple offices globally, we are united by our core principles: We Before Me , Do the Right Thing , and Get Things Done . These shared values drive our culture, shape our processes, and foster a friendly, rewarding, and diverse environment for every OK-er. OKX is part of OKG, a group that brings the value of Blockchain to users around the world, through our leading products OKX, OKX Wallet, OKLink and more. About the Opportunity We are looking for an experienced, commercially aware, and regulatory-savvy compliance professional to join us as Head of Compliance and Money Laundering Reporting Officer (MLRO). The role will be instrumental in building the compliance programme from the ground up, and embedding a culture of compliance across the organisation. Broader team management responsibilities will be added in due course for regulatory strategy, operational execution, and governance. What You’ll Be Doing Regulatory Engagement Serve as the primary point of contact with relevant regulatory bodies. Ensure the organisation meets all applicable governance requirements, including fit and proper obligations for Approved and Designated Persons. Monitor and interpret regulatory developments relevant to virtual assets, and advise senior management and the Board accordingly. Compliance Programme Development & Management Design, implement, and maintain a comprehensive compliance framework aligned with local requirements, FATF recommendations, and international best practice for virtual asset service providers (VASPs). Develop, review, and update all internal policies and procedures covering AML/CFT, KYC, customer due diligence (CDD), enhanced due diligence (EDD), transaction monitoring, sanctions screening, data protection, cybersecurity compliance, and safeguarding of client assets. Establish and oversee the compliance monitoring programme, including periodic testing, gap analysis, and reporting to senior management and the Board. Prepare and present regular compliance reports to the Board and relevant committees, including on regulatory changes, compliance breaches, and remediation progress. Ensure compliance considerations are integrated into new product design and operations from the inception phase by driving solutions that balance commercial outcomes and innovation, while maintaining a robust compliance posture using a clear risk-based approach. Review technical documentation, user journeys, and product flows to ensure compliance risks are addressed; provide clear, actionable and solution-focused advice during the product lifecycle. Build and scale compliance policies governing advertising, social media campaigns, influencer partnerships, and product launches. Partner with Legal, Product, and Marketing teams to operationalize a timely review process for client-facing assets and go-to-market materials. AML/CFT & MLRO Duties Act as the designated MLRO, with full statutory responsibility for overseeing the organisation's AML/CFT framework. Receive, review, and assess all internal Suspicious Transaction Reports (STRs) from staff, and make informed decisions on whether to file external disclosures with competent local authorities. Oversee and continuously improve the transaction monitoring programme, with support from global compliance and product functions. Ensure robust sanctions screening against all applicable lists, including OFAC, UK OFSI, UN, EU, and applicable local sanctions designations. Oversee customer risk scoring, risk-based KYC/CDD processes, and enhanced due diligence for high-risk customers, politically exposed persons (PEPs), and customers from high-risk jurisdictions. Governance & Culture Act as a key member of the senior leadership team, providing compliance input on new products, services, partnerships, and business initiatives. Champion a strong compliance culture across the organisation through training, communications, and leadership by example. Design and deliver AML/CFT and compliance training programmes for all staff, ensuring completion records are maintained. Ensure that the organisation's compliance obligations are adequately resourced, and advise the Board on staffing, systems, and budget requirements. Establish and maintain a compliance manual, risk register and oversee the escalation and resolution of compliance incidents and breaches. Reporting & Recordkeeping Prepare and submit all required regulatory reports and notifications to relevant authorities within stipulated deadlines. Ensure that all compliance records, SAR documentation, KYC files, and transaction monitoring records are maintained in accordance with applicable retention requirements. Support and facilitate any inspections, supervisory visits, or regulatory examinations. What We Look For In You Qualifications Bachelor's degree in Law, Finance, Business, or a related field. A postgraduate qualification is advantageous. Professional certification in compliance or AML is strongly preferred (e.g. CAMS, ICA Certificate/Diploma in AML or Compliance, CFE, or equivalent). Experience Minimum of 8 years of experience in compliance, AML, or financial crime prevention, with at least 3 years in a senior or leadership compliance role. Demonstrated in-house experience working within virtual asset service providers (VASPs), cryptocurrency exchanges, fintech firms, or regulated financial institutions. Prior experience as an MLRO or Deputy MLRO is highly desirable. Experience engaging directly with financial regulators and the financial intelligence unit Hands-on experience building compliance programmes from the ground up in a start-up or scaling environment is a significant advantage. Familiarity with the regional regulatory framework and requirements is strongly preferred. Knowledge & Skills Deep understanding of FATF Recommendations and their application to virtual asset service providers, including the Travel Rule (FATF Recommendation 16) Strong knowledge of crypto-specific AML typologies. Proficiency with blockchain analytics and transaction monitoring tools (e.g. Chainalysis, Elliptic, TRM Labs, or equivalent). Excellent written and verbal communication skills in English and Urdu. Strong analytical and investigative skills, with the ability to identify and articulate complex risk scenarios clearly. Demonstrated ability to engage constructively with regulators, external auditors, and law enforcement. High degree of personal integrity and sound professional judgment. Nice to Haves Experience in cryptocurrency or blockchain compliance programs. Experience working in a multi-national financial institution setting. Familiarity with compliance technology and analytics tools. Prior exposure to multi-jurisdictional compliance oversight. In-depth knowledge of crypto products, including spot trading, derivatives, staking, lending/borrowing, DeFi, and stablecoins. Additional Notes This role will be subject to fit and proper assessment as part of the licensing process. Candidates must be prepared to undergo background checks, provide regulatory questionnaires, CVs, references, and proof of relevant qualifications. Prior enforcement history, regulatory sanctions, or unexplained gaps in professional record may affect eligibility. Perks & Benefits Competitive total compensation package L&D programs and Education subsidy for employees' growth and development Various team building programs and company events More that we love to tell you along the process! Notice: All official OKX vacancies are published on this website. While roles may appear on selected third-party platforms from time to time, information on other sites may be inaccurate or outdated. If in doubt, please apply directly through our official careers website. Information collected and processed as part of the recruitment process of any job application you choose to submit is subject to OKX 's Candidate Privacy Notice .