Transaction Monitoring Lead

Overview

Orbital is on an exciting mission to revolutionise global cross-border payments by innovatively combining traditional fiat banking rails with stable coins over blockchain rails for a variety of use cases. Our class leading B2B payments platform offers multi-currency e-money accounts (corporate IBANs) combined with a suite of digital assets services. Our company sits at the frontier of payments & fintech, by intersecting blockchain and traditional (fiat) financial services, and is leading the way to bridging those two worlds for corporate enterprises globally.

We believe blockchain technology is firmly here to stay, and we want to be the first to bring a combined offering of fiat & crypto payment services under one exciting platform. Learn more about our team and company story here.

As a Transaction Monitoring Lead
, you will play a critical role in safeguarding the integrity of our payments platform by leading the detection, investigation, and escalation of suspicious activity across both fiat and cryptocurrency transactions. This role is central to ensuring compliance with AML/CTF regulatory obligations, mitigating financial crime risks, and supporting the company’s mission to maintain a secure, trusted, and resilient environment for customers, merchants, and partners.

You will act as a senior subject-matter expert and people leader, bridging operational execution and strategic oversight, while continuously enhancing the effectiveness of the transaction monitoring framework.

• Lead day-to-day transaction monitoring activities across fiat and crypto products, ensuring consistent and high-quality reviews in line with internal policies and regulatory requirements.
• Perform and oversee the analysis of transaction monitoring alerts, assessing behavioural patterns, transactional flows, and risk indicators to determine legitimacy.
• Investigate complex or high-risk cases and ensure appropriate escalation to MLROs, including the preparation, review, and timely submission of SARs/STRs.
• Work closely with Compliance, MLROs, and other key stakeholders to maintain a consistent and risk-based approach to financial crime identification and mitigation.
• Monitor, analyse, and document emerging trends, typologies, and anomalies related to money laundering, fraud, terrorist financing, sanctions evasion, and other financial crime risks.
• Provide expert feedback to enhance transaction monitoring rules, scenarios, thresholds, and alert quality, supporting system tuning and ongoing optimisation.
• Support and quality-assure customer due diligence and ongoing monitoring activities, including reviews of merchants and higher-risk customers.
• Ensure accurate case documentation, audit trails, and record-keeping in line with regulatory and internal governance standards.
• Oversee team resourcing, including shift coverage and overtime tracking, to maintain operational effectiveness.
• Support onboarding, training, and mentoring of transaction monitoring analysts, acting as a senior escalation point and coach.
• Deliver guidance and training across the business on risk-impacted payments, AML typologies, and the effective use of monitoring tools.
• Stay current on regulatory developments, industry trends, and evolving risks within fintech, payments, and crypto environments.
• Assist with special projects, regulatory change initiatives, audits, and ad hoc investigations as required.

• The Transaction Monitoring Lead is accountable for maintaining a robust and effective transaction monitoring control environment. This includes tracking key risk and performance indicators, identifying root causes of control weaknesses, and contributing to practical, risk-based solutions.
• The role also supports the assessment of new products, initiatives, and regulatory changes, providing insights to stakeholders on potential impacts to the company’s financial crime risk profile.

• Degree educated or equivalent experience in a relevant field.
• Minimum of 3 years’ experience in transaction monitoring, AML compliance,…