AML Expert, Process Excellence

Role Summary

We are looking for a sharp, operationally minded AML professional to sit within our second line of defence function. This role exists to bridge the gap between regulatory expectation and operational reality: you will hold deep AML/CTF subject matter expertise and use it to systematically identify where processes fall short — through inefficiency, control gaps, or design flaws — and drive them to a measurably better state. You will challenge the first line with authority, propose solutions with precision, and own the outcome.

Key Responsibilities

Map and critically assess existing AML/CTF processes end-to-end — CDD, transaction monitoring, screening, SAR, ongoing due diligence — identifying inefficiencies, control weaknesses, duplication, and regulatory exposure.

Translate findings into structured, prioritised improvement proposals with clear risk rationale, implementation path, ownership, and measurable success criteria.

Challenge first-line operational teams constructively but rigorously; hold them accountable to regulatory standards and internal policy without becoming an operational bottleneck.

Act as internal subject matter authority on AML/CTF regulatory requirements and Global best practices; ensure process design decisions are grounded in current regulatory expectation.

Track implementation of agreed process improvements through to completion; monitor whether changes deliver the intended effect and escalate where they do not.

Support regulatory examinations, internal audits, and third-line reviews by providing clear, well-evidenced process documentation and subject matter input.

Contribute to the AFC risk assessment cycle by surfacing process-level control gaps as input to the overall AML/CTF risk picture.

What You Bring

7+ years of hands-on AML/CTF experience, with significant exposure to both operational (1LoD) and oversight (2LoD) environments — you understand how processes actually run, not just how they are documented.

Demonstrable track record of identifying process failures and driving material, measurable improvements in an AML or compliance context.

Strong working knowledge of AMLD IV/V/VI, FATF Recommendations and EBA AML/CTF Guidelines.

Structured analytical approach: able to decompose a complex process, identify the critical failure point, and communicate it clearly to both technical and non-technical audiences.

Credible and direct: comfortable challenging senior stakeholders and first-line management with evidence-based positions.

Experience in a regulated payments, crypto-asset, or fintech environment preferred.

CAMS, ICA Diploma, or equivalent AML qualification an advantage.

What Good Looks Like in This Role

Processes you review come out measurably more efficient, better controlled, and more defensible to a regulator than when you found them.

The first line treats your findings as valuable input, not bureaucratic overhead — because your recommendations are specific, practical, and grounded in operational reality.

When the regulator or internal audit asks how a process works and why it is designed that way, there is a clear, documented answer that traces back to your work.