Transaction Monitoring Lead
BCB Group is a regulated institutional payment-infrastructure company connecting cross-border payments, fiat accounts, settlement, treasury operations, and digital assets.
Funding history
Investors
Projects
About BCB Group
BCB Group provides enterprise payment infrastructure for financial institutions and digital-asset businesses. Its platform supports multi-currency payment accounts, fiat and crypto payments, instant settlement through the BLINC network, virtual IBANs, e-money accounts, and trading across fiat currencies, stablecoins, and cryptocurrencies. The group was launched in the United Kingdom in 2017 and operates through regulated subsidiaries including BCB Payments Limited, BCB Markets (Switzerland) Sárl, and BCB Payments Europe SASU.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will own and lead the end-to-end transaction monitoring function across fiat and crypto. You will manage a globally distributed team, refine monitoring rules and thresholds, oversee alert investigations and escalations, manage capacity and backlogs, and improve quality, efficiency, and automation. You will ensure monitoring coverage is complete for products, entities, and payment flows; maintain procedures and management information; support suspicious-activity reporting; oversee third-party review capacity; and work with internal stakeholders, regulators, and auditors. You will use data, workflow automation, scripting, vendor tools, and AI-assisted review to strengthen monitoring while maintaining appropriate human oversight.
Requirements
- Five or more years of transaction monitoring or financial crime investigation experience
- At least two years in a lead or management role
- Experience in payments, e-money, banking, or crypto
- Experience improving a monitoring function through rule redesign, backlog recovery, or automation
- Experience with workforce planning, capacity planning, QA/QC frameworks, operational SLAs, and outsourced review oversight
- Knowledge of rule design, threshold calibration, and effectiveness testing
- Judgement on suspicious activity and SAR decisions
- Knowledge of UK AML requirements, MLRs, JMLSG guidance, sanctions regimes, and PEP screening
- Data querying and interpretation skills
- Experience with blockchain analytics tools such as Chainalysis, Elliptic, or TRM
- Clear and precise written English
Responsibilities
- Own the Group transaction monitoring framework across fiat and crypto
- Ensure products, entities, and payment flows feed monitoring systems accurately
- Manage alert triage, investigation, escalation, case management, and closure
- Maintain alert and case queues within tolerance and plan team capacity
- Oversee outsourced and third-party review capacity
- Escalate internal suspicious activity reports to the MLRO and support external SAR and STR preparation
- Calibrate monitoring rules and conduct effectiveness testing
- Automate manual low-judgement work using tooling, scripting, workflow automation, or AI-assisted review
- Integrate blockchain analytics into monitoring processes
- Establish QA and QC frameworks and report results to governance
- Produce management information on volumes, backlog, quality, and emerging risk
- Maintain current and usable SOPs
- Lead, hire, coach, and manage the transaction monitoring team
- Collaborate with Compliance, Onboarding, Fraud, Product, Engineering, Data, regulators, and auditors
- Represent transaction monitoring in governance forums and deputise for the Head of Financial Crime Operations
Benefits
- 30 days annual leave each year
- 4 wellbeing days per year
- 1 company volunteering day per year
- Private healthcare
- Pension
- Income protection for long-term absence
- Life insurance
- Menopause policy
- Enhanced parental leave policy
- Hybrid working
