Описание

We are looking for someone to take ownership of Transaction Monitoring at BCB and shape its next stage. You will run the function day to day, leading a globally dispersed team of over 10 analysts and senior analysts, set the standard for what good looks like, and deliver it.

Responsibilities

Own the transaction monitoring framework for fiat and crypto across the Group, including rules, scenarios, thresholds, typologies and the documented rationale behind each
Confirm every product, entity and payment flow feeds the monitoring system completely and accurately, including new products before launch
Handle alert end to end: triage, investigation, escalation, case management and closure, with clear SLAs and quality standards, covering transaction monitoring alerts, sanctions and PEP screening hits on customers and counterparties
Manage backlog and capacity: keep alert and case queues within tolerance, plan rotas and capacity against volume growth, and step in quickly when backlogs build
Oversee any outsourced or third-party review capacity, including SLA performance, quality and escalation standards
Make decisions to escalate internal suspicious activity reports (ISARs) to the MLRO, and ensure the quality of those reports is well reasoned, evidenced and on time, and support to the MLRO in preparing external SARs/STRs, including to the NCA, TRACFIN and FINTRAC
Perform rule calibration tuning and effectiveness testing, using data to cut false positives and find the activity current rules miss
Automate manual, low-judgement, work, whether through vendor tooling, workflow automation, scripting or AI-assisted review
Integrate blockchain analytics as part of monitoring
Establish a quality assurance and quality control framework for the team, with sampling, feedback loops and results reported to governance
Provide management information for senior leadership and governance forums: volumes, backlog, ageing, conversion rates, quality results, emerging risk
Maintain procedures (SOPs) for the function, kept current and usable by the people doing the work
Lead the TM team of over 10 people, working through senior analysts: team structure, hiring, coaching, and performance, and building senior analysts who can make day-to-day decisions without you
Build working relationships with Compliance, Onboarding, Fraud, Product, Engineering and Data, and with regulators and auditors when they review the function
Represent transaction monitoring at governance forums and deputise for the Head of Financial Crime Operations on monitoring matters

Requirements

Five or more years in transaction monitoring or financial crime investigations, with at least two in a lead or management role
Experience in payments, e-money, banking or crypto
A track record of improving a monitoring function: you can describe a rule set you rebuilt, a backlog you cleared or a process you automated, and the numbers before and after
Experience of workforce and capacity planning, QA/QC frameworks and managing operational SLAs, including oversight of outsourced review capacity
Hands-on knowledge of rule design, threshold calibration and effectiveness testing
Sound judgement on suspicion and SAR decisions, and the ability to teach that judgement to others
Working knowledge of UK AML requirements, including the MLRs and JMLSG guidance, and of sanctions regimes (UK, EU, OFAC, UN) and PEP screening
Comfort with data: you can query it, interpret it and make decisions from it
Experience with blockchain analytics tools such as Chainalysis, Elliptic or TRM
A clear view on where automation and AI help in monitoring, and where they need human oversight
Clear and precise written English

Nice to have

Experience across both fiat and crypto
Exposure to EU requirements
Experience of France

-s ACPR or AMF and reporting to TRACFIN, reporting to FINTRAC in Canada and an understanding of the FIU reporting regimes in UAE and Switzerland

SQL or Python skills

We offer

Real ownership of a core control in a regulated, fast-growing firm and leadership of a team of over 10 people
Direct access to senior leadership
30 days annual leave each year
4 wellbeing days per year to prioritise your mental health
1 company volunteering day per year
Strong benefits package including Private Healthcare, Pension, Income Protection (long-term absence), Life Insurance, Menopause Policy, and an enhanced Parental Leave policy
Hybrid Working (we require you to attend our London office a minimum of 1 day a week)

Hiring process

First 30 days: Review the current rules, alert volumes, backlog, team structure and procedures; meet the team and key stakeholders; present a written assessment of what works, what does not and what you will change first, with a sequenced plan and a view on capacity and resourcing
First 90 days: Any backlog is cleared or on a committed recovery plan; alerts are consistently worked within SLA; rules have been reviewed and tuned, with documented rationale for each change and governance approval for each change; at least two manual processes are automated; MI is produced to a regular cadence for senior leadership to review; every team member has clear objectives and a development plan
First 3-6 months: Monitoring coverage maps to BCB's risk assessment and product set, including new products before launch; false positive rates are measurably lower with no loss of detection, and investigations are faster; QC and QA results consistently meet targets; the function would pass an internal audit or regulatory review without material findings, and the team runs well without you in every decision, senior analysts own day-to-day case decisions and you have a credible deputy in your absence