FinCrime AML/CTF Manager

Job description

About us Satispay began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives. By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need. What you'll be doing As our FinCrime AML/CTF Manager, you’ll be the person who leads, grows, and manages our 1st line AML/CTF operations team, translating compliance policies into smooth, actionable risk management processes across the entire customer lifecycle. Here's what your day-to-day will look like: - Customer Risk Management - Owning and maintaining the Customer Risk Assessment Frameworks, ensuring risk scoring and categorization accurately reflect financial crime realities. - Lifecycle & Periodical Reviews - Leading periodical and event-driven reviews across the customer portfolio to dynamically reassess customer risk categorizations. - Oversight Over Due Diligence Activities - Overseeing onboarding and ongoing monitoring activities executed by KYC and KYB teams, aligning internal controls with regulatory expectations. - Product Requirements & UX Optimization - Partnering closely with Product teams to define actionable onboarding requirements that balance regulatory compliance with a frictionless user experience. - Surveillance & Detection Management - Overseeing end-to-end transaction monitoring for all AML/CTF typologies, including timely assessments, escalations, and scenario calibrations. - Team Leadership & Stakeholder Management - Mentoring and scaling a team of AML/CTF analysts, driving operational excellence, and regularly reporting risk metrics to senior management. - Compliance Translation - Acting as the primary liaison to the 2nd Line Compliance team, proactively translating regulatory updates into scalable operational workflows. - Reporting to the FIU - Serving as the final 1st line approver for Suspicious Activity Reports (SARs) and Suspicious Transaction Reports (STRs). - Audit & Regulatory Liaison - Preparing operational documentation and data for internal audits, external regulatory reviews, and inquiries from competent authorities. Who we're looking for We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you? - Experience - 6+ years in AML/CTF operations within Fintech, digital banking, or payment processing environments, with 2+ years of experience leading and managing dedicated teams. - Regulatory Knowledge - Profound understanding of EU AML Directives and FATF recommendations, with strong knowledge of Luxembourg regulatory requirements (knowledge of Italian regulations is a plus). - Certifications - Professional certification such as CAMS, ICA, or equivalent is highly expected. - Operational Framework Mastery - Proven track record managing transaction monitoring systems, reviewing/approving SARs/STRs, and designing practical customer risk-rating frameworks. - Stakeholder & Communication Skills - Exceptional ability to negotiate, collaborate across functions, and liaise seamlessly with 2nd line compliance teams. - Data-Driven Leadership - Strong analytical mindset capable of leveraging KPIs and data tools (such as HEX, SQL, or Splunk) to optimize operational queues and assess resource needs. - Change Management Mindset - Agility to lead teams through hyper-growth, shifting regulations, and tech upgrades while maintaining high morale and performance. CareAbout: how we support your impact We move fast, and evolution never stops. It’s a fun ride, but it can be challenging. To make sure our people truly thrive, we’re committed to making their lives easier, both in the office and out in the world. That’s why we created CareAbout: - ❤️ Health (Private insurance for you and your family, psychological support with Serenis, mental health workshops) - 💰 Financial resources (Stock Option Plan, Meal vouchers, Relocation support if you’re moving countries) - ⚙️ Growth and development (Professional development programs, Internal mobility, Language courses with Preply) - 🌱 Flexibility (Unlimited PTO, Hybrid working policy*, Flexible working hours) - 👨‍👩‍👧 Family (Enhanced parental leave, Additional leave for child sickness) * We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time. Equal opportunity employer At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs! Learn more about us Our values and pillars aren't just fancy words on a page - they really shape everything we do. Explore them here https://www.satispay.com/en-it/company/values/. #LI-HYBRID #LI-VR1 By submitting this application, I acknowledge that I have read and understood the content of the Privacy Policy https://www.satispay.com/en-it/legal-hub/privacy-policy/candidates/