Senior AML Officer

Dubai, United Arab Emirates; United Arab Emirates; Hybrid; AED 120,000 - 200,000; Full time

Job summary

A leading fintech company in the UAE is seeking a Senior AML Officer to enhance their AML CFT programme. The ideal candidate will have 6 to 10 years of experience in AML financial crime within banking or fintech, a strong knowledge of regulatory expectations, and skills in KYC, sanctions screening, and SQL. This role offers a hybrid working model and opportunities for professional growth.

Benefits

Hybrid working model

Ownership and growth opportunities

Cross-border exposure

Real product and business impact

Qualifications

• 6 to 10 years in AML financial crime within banking or fintech.
• Proven investigation skill with high quality STR narratives.
• Clear communication, stakeholder management, and attention to detail.

Responsibilities

• Maintain and improve the AML CFT framework for UAE.
• Oversee KYC, CDD, and EDD quality.
• Lead sanctions screening governance for UAE.
• Manage outsourcing and third-party risk.
• Produce clear MI and dashboards for leadership.

Skills

AML financial crime expertise

Strong knowledge of CBUAE AML CFT expectations

Investigation skills

Hands-on with goAML

Working SQL

SQL for investigations

Clear written communication

Stakeholder management

Tools

goAML

ACI PRM

Actimize

Tonbeller

Job description

Our Company

NymCard's mission is to enable fintech and financial innovators to launch frictionless payment programmes with our modern infrastructure, at record speed. Our open API modern card issuing platform provides flexibility and control to issue cards, authorise transactions, and manage payment operations with just one integration and one partner.

We are a team of industry experts and technology innovators who take a dynamic approach to solving complex industry challenges. NymCard has an open and collaborative work environment and together we make up the NymCardian Nation. We power possibilities for our customers and each other by bringing the best talent together to do the best quality work we can.

The Role

We are hiring a Senior AML Officer to strengthen NymCard's AML CFT programme in the UAE. You will maintain policy and control standards, lead KYC and transaction monitoring oversight, manage sanctions controls, and support regulatory engagement with the FIU and CBUAE. You will prepare and quality review STRs via goAML, run the enterprise AML risk assessment, coordinate inspections and audits, and embed controls into product and operational workflows so that evidence is traceable and audit ready.

You will coach analysts on investigation quality, narrative writing, and case ageing, and you will calibrate rules and alerts in partnership with Risk and Operations. You will use SQL for targeted validations, data sampling, and coverage checks, and you will leverage experience with ACI PRM or similar monitoring platforms to improve precision and reduce false positives. Success looks like timely filings, clean examinations, reduced alert noise with preserved detection, and clear stakeholder communication.

What You’ll Be Doing

• Maintain and improve the AML CFT framework for UAE, including policies, standards, procedures, and control testing
• Oversee KYC, CDD, and EDD quality with clear risk scoring, periodic reviews, and timely refreshes
• Lead sanctions screening governance for UAE Local List, UN, OFAC, EU and manage alert triage and escalation
• Direct transaction monitoring investigations, tune rules and thresholds, and track remediation to closure
• Prepare and quality review STRs on goAML; ensure evidence, timelines, and narratives meet FIU expectations
• Run the enterprise AML risk assessment, document control effectiveness, and drive action plans with owners and deadlines
• Coordinate regulatory inspections and audits; maintain audit readiness with complete, indexed evidence
• Review new products, partners, and markets for AML CFT impact and define compliance by design requirements
• Manage outsourcing and third-party risk for BIN sponsors, processors, programme managers, and data vendors
• Deliver targeted staff training on AML, sanctions, investigations, and reporting obligations; keep records current
• Produce clear MI and dashboards for leadership and committees, highlighting trends, ageing, and outcomes
• Use SQL to validate monitoring coverage, reproduce issues, and support thematic reviews
• Apply hands‑on experience with ACI PRM or similar systems to backtest rules and improve precision‑recall trade‑offs

What You Bring

• 6 to 10 years in AML financial crime within banking or fintech in the UAE or GCC
• Strong knowledge of CBUAE AML CFT expectations, FIU processes, and regulatory touchpoints
• Proven investigation skill with high quality STR narratives and evidence handling
• Hands‑on with goAML, sanctions screening tools, and transaction monitoring platforms
• Working SQL for investigations and testing of monitoring changes
• Experience calibrating rules in ACI PRM, Actimize, Tonbeller, or similar platform
• Clear written communication, stakeholder management, and calm incident handling
• High integrity, independent judgment, and attention to documentation and version control

Bonus Points

• Hybrid working model: In‑office collaboration for design reviews, workshops, and team days, with flexible remote time for deep work. Clear expectations on core hours and availability.
• Ownership and growth: Small teams and direct access to decision makers. End‑to‑end responsibility for your area, support for certifications and learning, and progression based on outcomes.
• Cross‑border exposure: Work with clients and partners across MENA and beyond. Gain hands‑on experience with schemes, banks, and regulators, and broaden your domain expertise.
• Real product and business impact: Build for a live issuing platform used by fintechs. See measurable results on performance and revenue within weeks, and celebrate wins backed by data.