Senior AML Executive

Who are we?

At Open Payd, we are building a universal financial infrastructure to power the growth of the digital economy. Our rails-agnostic approach empowers any business to move and manage money globally - across both traditional rails and stable coins — at scale, and in real time.

The Open Payd platform delivers a suite of banking and payments infrastructure: accounts in over 40 currencies, FX, on/off ramp, international and domestic payments, Open Banking services – all via a single API.

A global network of licences alongside our best-in-class tech is why we’re trusted by 1000+ enterprise clients to process over $180bn volume annually.

• Act as a Second Line point of escalation for First Line AML teams, reviewing and assessing complex, high-risk or sensitive onboarding and due diligence cases.
• Provide risk-based guidance and challenge to First Line colleagues on AML, CDD, EDD, Sanctions and Financial Crime matters.
• Review and assess First Line risk decisions, ensuring consistency with internal policies, regulatory requirements and risk appetite.
• Resolve escalations from First Line teams, documenting rationale and outcomes clearly and proportionately.
• Delivering training within the department, and mentoring to First Line staff, and new starters.
• Conducting Quality Control on applications and providing SME feedback.
• Conducting compliance calls with customers, ultimately assessing the customers controls and compliance program.
• Proactively identifying and sharing areas of improvement in the due diligence processes and procedures.
• Presenting case files, and an overview of processes during internal and external compliance audits.
• Drafting and enhancing compliance policies and procedures.

• An expert in Compliance with a comprehensive knowledge and experience within Financial Services Compliance with a minimum of 3 years AML experience.
• In-depth knowledge of AML, CTF, and Financial Services regulations, as well as industry best practices for robust AML Frameworks.
• Background in CDD and ongoing assurance of complex client types and corporate structures.
• Proven experience in the UK/EU regulated financial services sector - preferably within a fintech, challenger bank, correspondent banking, or consultancy firm.
• Experience working with Digital Asset service providers is also beneficial.
• The ability to self-manage, organise competing priorities effectively and meet deadlines.
• Ability to mentor, and deliver training in a confident cohesive manner.
• You enjoy working efficiently in a fast-paced, high-volume environment and thrive when there's ambiguity.
• Experience of working in fintech.
• Strong analytical skills, problem-solving ability and attention to detail.
• Good inter-personal skills.
• Ability to communicate both orally and in writing, and be able to present credibly and professionally to senior management.
• Able to build strong relationships with peers and business counterparts.

• Personal training budget - £3000
• Cycle to Work scheme
• Discounted gym membership - £80 towards any gym
• Corporate discounts via Perk Box
• Travel loan
• Company Pension plan
• Health, Dental & Life Insurance
• Wednesday office breakfasts, office fruits and a full bar & regular team socials
• 25 days annual leave plus the Bank Holidays, extra day off for Birthday & Social Volunteering

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We are looking forward to receiving your CV.

Open Payd Talent Team