Financial Crime Compliance Manager

Your tasks

Crime Compliance Manager is responsible for managing the effective execution of Reap's financial crime compliance framework across its operations, ensuring that financial crime risks are appropriately identified, assessed, monitored and mitigated.

The role provides oversight of AML/CFT, sanctions compliance, transaction monitoring, investigations and customer due diligence controls, ensuring consistent application of global standards and adherence to applicable regulatory requirements.

1. Financial Crime Compliance Management

• Manage the implementation and day-to-day operation of financial crime compliance controls, policies and procedures.
• Oversee AML/CFT, sanctions screening, transaction monitoring and ongoing due diligence processes.

• Ensure consistent application of financial crime standards across products, markets and jurisdictions.
• Identify control gaps and coordinate remediation and continuous improvement initiatives.

1. Transaction Monitoring & Investigations

• Oversee transaction monitoring alerts, investigations and case management to ensure timely and effective resolution.
• Review complex or higher-risk financial crime cases and provide guidance on appropriate escalation and mitigation.

• Coordinate suspicious activity escalations and reporting with relevant MLROs and regional Compliance teams.
• Analyse emerging financial crime typologies, trends and suspicious activity patterns.

• Maintain appropriate investigation documentation and audit trails.

1. Customer Due Diligence & Sanctions Compliance

• Provide second-line oversight of customer due diligence, enhanced due diligence and

ongoing monitoring controls.

• Review and escalate high-risk customers, PEPs, sanctions matches and adverse media

findings in accordance with applicable approval frameworks.

• Support customer risk assessments, periodic reviews and remediation programmes.
• Provide financial crime risk guidance on client relationships, partners and new business

activities.

1. Financial Crime Risk & Control Enhancement

• Support financial crime risk assessments covering products, customers, jurisdictions and

transaction activity.

• Evaluate the effectiveness of financial crime controls and recommend improvements.
• Support optimisation of transaction monitoring rules, screening systems and customer

risk-rating methodologies.

• Collaborate with Product, Technology and Operations on automation and process

enhancements.

• Monitor remediation plans arising from control reviews, audits and regulatory findings.

1. Governance, Reporting & Regulatory Compliance

• Prepare financial crime management information, operational performance reports and

key risk indicators.

• Monitor investigation turnaround times, alert backlogs, screening effectiveness and

compliance with operational SLAs.

• Support regulatory examinations, partner reviews, internal audits and independent

financial crime assessments.

• Maintain appropriate records and documentation evidencing control execution and

regulatory compliance.

• Work with local MLROs and regional Compliance teams to ensure jurisdiction-specific

obligations are addressed.

1. Team & Stakeholder Management

• Provide direction, supervision and technical guidance to Financial Crime Compliance

analysts and specialists.

• Monitor team performance, workload allocation, case quality and operational

effectiveness.

• Collaborate with first-line Operations, Product, Risk and regional Compliance

stakeholders.

• Deliver financial crime training and guidance to strengthen awareness and control

effectiveness.

• Drive accountability, consistency and continuous improvement across financial crime

compliance activities.

Requirements

Required Qualifications & Experience

• Bachelor's degree in Law, Finance, Business, Risk Management or a related discipline.
• Minimum 5–8 years of relevant financial crime compliance experience, preferably within

fintech, payments or regulated financial services.

• Strong understanding of AML/CFT, sanctions compliance, transaction monitoring,

customer due diligence and financial crime investigations.

• Experience managing financial crime compliance operations, control frameworks or

investigative teams.

• Familiarity with international financial crime standards, including FATF recommendations

and applicable sanctions regimes.

• Ability to assess financial crime risks associated with cross-border payments, card

programmes and digital financial services.

• Strong analytical, investigative, communication and stakeholder management

capabilities.

• Professional certification such as CAMS or ICA is advantageous.

Core Competencies

• Strong technical financial crime compliance expertise
• Sound risk-based decision-making and professional judgment

• Operational management and execution
• Analytical thinking and problem-solving

• Stakeholder engagement and cross-functional collaboration
• People management and coaching

• Process improvement and technology enablement
• Accountability and attention to detail

Other

Key Performance Indicators

• Operational effectiveness: Timely resolution of financial crime alerts, investigations

and escalations against agreed SLAs.

• Investigation quality: Accuracy, consistency and completeness of investigation

outcomes and supporting documentation.

• Control effectiveness: Identification and timely remediation of financial crime control

gaps.

• Risk management: Effective identification, assessment and escalation of higher-risk

activity and relationships.

• Process efficiency: Improvements in case management, monitoring effectiveness,

automation and productivity.

• Governance: Timely and accurate management reporting, regulatory support and audit

remediation.