Team Lead Transaction Monitoring; m​/f​/d

ABOUT US

Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.

We serve two primary customer segments:

• Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines.
• Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant’s embedded finance and white-label solutions.

Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e‑money institution (EMI), we issue Visa‑powered credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.

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Are you an experienced AML/Fraud professional looking for an exciting opportunity to build and lead a transaction monitoring function? Do you thrive in a fast‑paced environment where you can shape processes, influence strategy, and grow with a company?

Pliant is a rapidly expanding Fin Tech with an EMI license in Finland, and as part of Compliance Operations we’re looking for a Team Lead AML Transaction Monitoring (m/f/d) to take charge of our team, with the opportunity to design and implement processes, enhance our monitoring framework, and play a key role in protecting our business from financial crime.

• You take full ownership of the AML Transaction Monitoring function, including team performance, quality standards, and regulatory readiness.
• You lead, develop, and grow a team of AML Monitoring specialists, setting clear expectations, providing regular feedback, and supporting professional development and subject‑matter expertise.
• You plan and manage team capacity, workload distribution, and prioritization to ensure timely case handling, consistent decision‑making, and adherence to internal SLAs.
• You foster a culture of accountability, quality, and continuous improvement, ensuring the team operates to a consistently high standard.

• Oversee daily transaction monitoring activities, ensuring timely detection, review, and escalation of unusual transactions.
• Personally engage in detailed investigations of potential fraud, money laundering, or other financial crime risks.
• Ensure Pliant’s Transaction Monitoring function adheres to policy requirements and escalations meet regulatory standards.

• Design and implement efficient and scalable TM frameworks, policies, and procedures.
• Continuously enhance monitoring tools and rules, leveraging data‑driven insights to improve detection capabilities.
• Ensure alignment with local and international regulatory requirements and industry best practices.

• Provide regular updates and reports to senior management, compliance leadership, and regulators as required.
• Collaborate with internal stakeholders, including Compliance, Credit Risk, Legal, and Product teams, to optimize financial crime prevention measures.
• Stay ahead of regulatory changes and ensure the company is always compliant with evolving AML regulations.

We’re looking for a people‑focused team leader who combines strong AML transaction monitoring expertise with the ability to grow, structure, and continuously improve a compliance operations team in a dynamic regulatory environment.

• 5+ years of experience in Fraud/AML within fintech, banking, or payments.
• You are a people leader first, with deep AML transaction monitoring expertise as your foundation. You know how to build, grow, and sustain high‑performing compliance operations teams in a regulated, fast‑moving environment.
• You have a strong hands‑on background in Transaction Monitoring, including alert review, investigations,…