Director, Head of Transaction Monitoring, Checkout.com

• Minimum 10 years of experience in a senior financial crime/AML role within a regulated financial institution, FinTech, or payments company
• Deep understanding of AML transaction monitoring frameworks, financial crime typologies, and regulatory expectations across multiple jurisdictions
• Experience overseeing both first-line (alert investigations) and second-line (FIU, complex case investigations) functions
• **Strong knowledge of payment flows, money laundering risks, ** in the FinTech/payments sector
• Experience working with technology teams to drive improvements in transaction monitoring infrastructure and capabilities
• Strong analytical skills and a data-driven mindset, with experience leveraging data to improve monitoring effectiveness
• Experience utilizing data analytics, AI, and machine learning to enhance transaction monitoring capabilities
• Excellent stakeholder management and communication skills, with the ability to influence senior leadership and external regulators
• Proactive, strategic thinker with a strong sense of accountability and a solutions-focused approach
• Experience leading teams and driving operational excellence within a compliance function
• Proficiency in transaction monitoring systems and tools (e.g., Actimize, Mantas, FICO, or equivalent) as well as Microsoft Excel and data visualization platforms

• We're looking for a Director, Head of Transaction Monitoring for Checkout.com, based in London
• You will join a growing international Compliance team, reporting into the Head of Financial Crime Controls
• This role will lead the global Transaction Monitoring (TM) function, ensuring its effectiveness and scalability while aligning with Checkout.com’s AML policies and regulatory requirements
• The role has dual oversight across both first-line (alert investigations) and second-line (FIU and complex investigations) functions, ensuring effective coordination between detection capabilities and investigative processes
• Key responsibilities include leading the TM strategy, building and maintaining the TM framework, coordinating cross-functionally to optimize and enhance detection models, overseeing control effectiveness, and managing both first-line TM operations and second-line financial crime investigations
• The role may also support broader financial crime controls, contributing to the enhancement of other key compliance functions as needed
• Lead the global Transaction Monitoring team, providing strategic oversight and technical expertise on AML risk detection and mitigation
• Oversee both 1LOD (alert investigations) and 2LOD (FIU and complex investigations), ensuring an effective end-to-end transaction monitoring process with seamless escalation and resolution of financial crime risks
• Design, maintain, and continuously improve the TM framework, ensuring a risk-based and scalable approach to transaction monitoring
• Work closely with Product and Engineering teams to develop, refine, and optimize transaction monitoring rules and scenarios, ensuring they are effective, calibrated, scalable, and aligned with emerging risks and business growth
• Implement quality assurance measures to monitor and enhance the effectiveness of both 1LOD investigations and 2LOD FIU case management
• Leverage data analytics and emerging technologies, including AI and machine learning, to enhance detection capabilities and improve efficiency
• Ensure compliance with global AML regulations by aligning transaction monitoring policies and processes with industry best practices
• Provide subject matter expertise on AML risks to internal stakeholders, supporting risk assessments, audits, and regulatory engagements
• Monitor regulatory developments and industry trends to ensure proactive compliance with evolving AML expectations
• Lead and develop a high-performing team, fostering a culture of continuous improvement, accountability, and innovation
• Oversee MI reporting and key performance metrics, ensuring senior leadership has visibility into TM effectiveness, operational efficiency, and escalation trends

• Additional day off on your birthday
• Learning scheme: 2 x Learning Days per year, financial support for external courses
• Internal employee communities and social clubs
• Employee-led community outreach, payroll giving and 2 x volunteering days
• Private comprehensive health insurance via BUPA (Medical history disregarded)
• 24 days holiday (plus bank holidays)
• Great Place to Work accredited in the UK and USA
• We proudly provide stock options to our high performing employees under our equity program
• Global Employee Assistance Programme (EAP)
• Family Forming financial support in partnership with Carrot
• Leadership Development Training
• Pension scheme provided via Aegon (We match contributions up to certain amount!)
• Group Income Protection via AIG
• Private Dental Insurance provided via BUPA
• GymPass subscription
• Season Ticket Loan
• Cycle to Work Scheme (Up to £5,000)

Total funding: $1.8bn

The payments industry has exploded in the last decade as eCommerce continues to grow as the use of cash falls. Checkout.com are building the go-to platform for all things related to payments, such as accepting transactions, processing them and detecting fraud. They've secured a steady stream of funding from top investors like Tiger Global Management, and are the strategic payments partner for some of the best known fast-moving brands globally such as Patreon, Dashlane, Udacity, Wise, Sony Electronics, and Klarna.