Senior AML Executive

Job description

**Who are we?** At OpenPayd, 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 stablecoins — at scale, and in real time.​ The OpenPayd 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. ### How will you add value to the OpenPayd journey? - 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 procedure ### The ideal candidate will have the following: - 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, organize 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 ### Our perks and benefits - Personal training budget - £3000 - Cycle to Work scheme - Discounted gym membership - £80 towards any gym - Corporate discounts via PerkBox - 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