Senior Transaction Monitoring Specialist, Pliant
Digital corporate credit card solutions
Be an early applicant
Digital corporate credit card solutions
201-500 employees
Be an early applicant
201-500 employees
Company mission
To empower businesses to grow by providing a smart payment option that grows with their business.
Role
Who you are
- 5+ years of experience in AML transaction monitoring, investigations, or compliance analytics — preferably in fintech, card issuing, or high-risk payment environments
- In-depth knowledge of AML laws and regulations (e.g. AMLD5/6, BaFin, FCA, FinCEN/BSA), including typologies and risk frameworks
- Proven ability to assess complex transaction flows and identify red flags related to money laundering, terrorist financing, or financial crime
- Hands-on experience with transaction monitoring tools, case management systems, and data analysis (SQL required; Python is a plus)
- Strategic mindset with strong analytical skills and comfort working in fast-paced, cross-functional environments
- Excellent written and verbal communication skills in English, including ability to explain complex cases to technical and non-technical audiences
- Comfort working in a fast-paced environment with high attention to detail and operational discipline
What the job involves
- As we continue expanding across Europe and prepare for our US launch, we’re hiring a Senior Transaction Monitoring Specialist (m/f/d) to lead complex investigations, optimize AML alert workflows, and support compliance strategy from the front lines of our card and payments business
- Review, investigate, and disposition high-priority AML alerts and complex transaction patterns involving cross-border payments, high-risk industries, or advanced typologies (e.g., layering, funnel accounts)
- Own escalations involving PEPs, sanctioned parties, or repeat suspicious activity and prepare case packages for STR/SAR filing
- Collaborate with Compliance to enhance red flag coverage, identify typology gaps, and support regulatory reporting as needed
- Analyze performance of current monitoring rules and thresholds, identify false positives/negatives, and propose data-driven tuning strategies
- Leverage our dashboards to drive support our decisioning and build risk insights
- Support development of new typology detection logic in partnership with Product, Operations and Data teams
- Act as a key liaison between Operations, Compliance, Product, and Engineering teams to align AML surveillance practices with evolving product features and regulatory obligations
- Contribute to the design of scalable alert handling workflows and tooling improvements to increase review efficiency and reduce risk
- Assist with audits, internal reviews, and regulatory exams by preparing documentation and subject matter guidance
- Mentor junior analysts on best practices in transaction monitoring, escalation standards, and investigative techniques
- Help shape training materials and documentation to support a growing global monitoring team
Our take
The corporate credit card industry, historically dominated by giants like AmEx, has seen rapid disruption and growth over recent years. An influx of VC investment boosted smaller outfits like Divvy and Brex Inc. to multi-billion dollar operations, and this has cracked open the market to a host of smaller fintech startups.
Pliant is a German company entering the scene, but it’s a competitive one. It's hoping to stand out by prioritising seamless software integrations, competitive cashback, and a new optional feature offsetting travel-related CO2 emissions. The latter is incredibly novel and has undoubtedly won the company some press in an increasingly sustainability-oriented climate.
Pliant’s offering of both physical and digital cards, as well as its suite of advantages and services, has enabled the company to successfully adapt to the growing payments market. The company has, thus far, entered seven additional European markets and expanded its customer portfolio sixfold. Following successful funding rounds, Pliant is set to further expand operations and its business reach, with a focus on the US.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
233% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Apr 2025
$40.3m
SERIES B
Apr 2024
$20.6m
SERIES A
Total funding: $120.4m
Company benefits
- Home office and remote work
- Flexible working hours
- Mobility discount
- Budget for professional development and training
- Railcard
- Monthly food allowance
- Gympass
- Weekly mindfulness sessions
- Team events
Company HQ
Kollwitzkiez, Berlin, Germany
Leadership
Fabian Turner
(Co-Founder & CPO)Previously the Head of Operations at Lendico, and went on to serve as CPO at FinCompare.
Malte Rau
(Co-Founder & CEO)Previously a Portfolio Manager and Head of Fintech Investments at Global Growth Cap, they then went on to found Geldspeicher GmbH.
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