Senior Manager, Head of Transaction Monitoring

Company Description

We’re Checkout.com. You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day.

We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers.

Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale.

If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact.

With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started.

The Role

We're looking for a Senior Manager, Head of Transaction Monitoring for Checkout.com, based in London.

You will join a growing international Compliance team, reporting into the Head of Financial Crime Controls. This role will lead the global Transaction Monitoring (TM) function, ensuring its effectiveness and scalability while aligning with Checkout.com’s AML policies and regulatory requirements. The role has dual oversight across both first-line (alert investigations) and second-line (FIU and complex investigations) functions, ensuring effective coordination between detection capabilities and investigative processes.

Key responsibilities include leading the TM strategy, building and maintaining the TM framework, coordinating cross-functionally to optimize and enhance detection models, overseeing control effectiveness, and managing both first-line TM operations and second-line financial crime investigations.

The role may also support broader financial crime controls, contributing to the enhancement of other key compliance functions as needed.

How You'll Make An Impact

• Lead the global Transaction Monitoring team, providing strategic oversight and technical expertise on AML risk detection and mitigation.

• Oversee both 1LOD (alert investigations) and 2LOD (FIU and complex investigations), ensuring an effective end-to-end transaction monitoring process with seamless escalation and resolution of financial crime risks.

• Design, maintain, and continuously improve the TM framework, ensuring a risk-based and scalable approach to transaction monitoring.

• Work closely with Product and Engineering teams to develop, refine, and optimize transaction monitoring rules and scenarios, ensuring they are effective, calibrated, scalable, and aligned with emerging risks and business growth.

• Implement quality assurance measures to monitor and enhance the effectiveness of both 1LOD investigations and 2LOD FIU case management.

• Leverage data analytics and emerging technologies, including AI and machine learning, to enhance detection capabilities and improve efficiency.

• Ensure compliance with global AML regulations by aligning transaction monitoring policies and processes with industry best practices.

• Provide subject matter expertise on AML risks to internal stakeholders, supporting risk assessments, audits, and regulatory engagements.

• Monitor regulatory developments and industry trends to ensure proactive compliance with evolving AML expectations.

• Lead and develop a high-performing team, fostering a culture of continuous improvement, accountability, and innovation.

• Oversee MI reporting and key performance metrics, ensuring senior leadership has visibility into TM effectiveness, operational efficiency, and escalation trends.

 

What we’re looking for:

• Minimum 10 years of experience in a senior financial crime/AML role within a regulated financial institution, FinTech, or payments company.

• Deep understanding of AML transaction monitoring frameworks, financial crime typologies, and regulatory expectations across multiple jurisdictions.

• Experience overseeing both first-line (alert investigations) and second-line (FIU, complex case investigations) functions.

• Strong knowledge of payment flows, money laundering risks, in the FinTech/payments sector.

• Experience working with technology teams to drive improvements in transaction monitoring infrastructure and capabilities.

• Strong analytical skills and a data-driven mindset, with experience leveraging data to improve monitoring effectiveness.

• Experience utilizing data analytics, AI, and machine learning to enhance transaction monitoring capabilities.

• Excellent stakeholder management and communication skills, with the ability to influence senior leadership and external regulators.

• Proactive, strategic thinker with a strong sense of accountability and a solutions-focused approach.

• Experience leading teams and driving operational excellence within a compliance function.

• Proficiency in transaction monitoring systems and tools (e.g., Actimize, Mantas, FICO, or equivalent) as well as Microsoft Excel and data visualization platforms.

Additional Information

Bring all of you to work

We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life at Checkout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram

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