Senior Transaction Monitoring Framework Specialist

Pleo; Madrid; Presencial; EUR 90.000 - 120.000; Jornada completa

Descripción de la vacante

Pleo is seeking a Senior Transaction Monitoring and Fraud Framework Specialist in Madrid to lead the architecture of our defence strategy across transaction surveillance and fraud. You will drive innovation, embed AI into detection and prevention, and coordinate cross-functional teams to design scalable controls that adapt to evolving threats and regulatory expectations.

You will also translate emerging threats into automated interventions, reduce manual effort, and strengthen governance across

Formación

• Significant experience designing and improving transaction monitoring and fraud frameworks in scaling, high-volume environments.
• Proven track record leading innovation in monitoring approaches, automation, analytics, or AI-enabled workflows.
• Experience running projects with cross-functional delivery and stakeholder management.

Responsabilidades

• Lead innovations in transaction monitoring and fraud by identifying automation opportunities and AI-assisted workflows.
• Manage end-to-end change and delivery projects across 1LoD/2LoD, Operations, Product, Engineering, and Data.
• Design and maintain financial crime frameworks, controls, and procedures that scale with growth.
• Partner with Engineering on rules/models lifecycle, performance, drift detection, and tuning.
• Integrate AI tools to improve alert triage, investigation quality, and documentation.
• Turn insights into concrete improvements, reduce false positives, and cover complex typologies.

Conocimientos

Transaction monitoring

Fraud frameworks

AI integration

Data analysis

Stakeholder management

Project delivery

Descripción del empleo

ABOUT PLEO

Messy spend management is tricky business. And tedious processes are a lose-lose situation for all involved, not just finance. At Pleo, we're changing that. We build spend solutions that make managing money seamless, empowering, and surprisingly effective for finance teams and employees alike - with a vision to help all businesses ‘go beyond’.

The word ‘Pleo’ actually means ‘more than you’d expect’, and living by that mantra has been the secret to our success over the last 10 years.

Now, we’re at a pivotal moment in our journey; every move we make has a direct impact on our 40,000+ customers, our business, and our collective success. We need people who take pride in uncovering customer needs, who turn complex problems into simple solutions, challenge the way things are done (respectfully), and always aim high. With great ambitions driving us forward, we can’t say we’ve got this whole thing figured out. And frankly, that’s half the fun! What we can say is that we’re a driven, progressive, and, importantly, a kind bunch of 850+ people from over 100 nationalities, all committed to delivering the future of business spending, together.

ABOUT THIS ROLE

We’re looking for a Senior Transaction Monitoring and Fraud Framework Specialist at Pleo in the first line of defence (1LoD). You’ll be the architect of our defence strategy across transaction surveillance and fraud, with a clear focus on leading innovation and embedding AI into how we detect, investigate, and prevent financial crime.

This isn’t a purely reactive role. Within our Financial Crime Framework & Innovation team, you’ll run cross-functional projects that bring together Financial Crime Operations, Engineering, 2LoD, and leadership to design controls and processes that scale. You’ll translate emerging threats and regulatory expectations into practical, automated, and measurable interventions and controls — including the thoughtful use of AI tools to improve decision quality, reduce manual effort, and strengthen governance.

WHAT YOU’LL DO

• Lead innovation in transaction monitoring and fraud by identifying high-impact opportunities for automation, model/rule optimisation, and AI-assisted investigation workflows.
• Run end-to-end change and delivery projects (discovery design build rollout monitoring), coordinating stakeholders across 1LoD/2LoD, Operations, Product, Engineering, and Data.
• Design and maintain our financial crime frameworks, controls, and procedures, ensuring they remain effective as our products, customer base, and threat landscape evolve.
• Partner with Engineering on the development, deployment, and lifecycle management of transaction surveillance and fraud rules and models, including performance monitoring, drift detection, and continuous tuning.
• Integrate AI tools into processes responsibly, including:
  • improving alert triage and case prioritisation,
  • enhancing investigation quality and consistency,
  • accelerating root cause analysis and emerging-risk discovery,
  • strengthening documentation, auditability, and control testing.
• Turn insights from transaction alerts and fraud cases into actionable improvements across the framework, leading with data to reduce false positives, close control gaps, improve prevention and improve coverage of complex typologies.
• File SARs for all EEA customers.
• Act as Pleo’s go-to transaction monitoring and fraud subject matter expert, sharing learnings on threats, regulatory developments (including AML/CTF), and industry best practice.

WHO YOU ARE

• You’re a builder and a problem-solver who can turn strategy into operational reality. You’re comfortable in ambiguity, confident leading cross-functional delivery and taking on responsibility, and you have a track record of driving meaningful change transaction monitoring.
• You’re a builder and a problem-solver who can turn strategy into operational reality. You’re comfortable in ambiguity, confident leading cross-functional delivery and taking on responsibility, and you have a track record of driving meaningful change transaction monitoring.
• You have significant experience designing and improving transaction monitoring and fraud frameworks, controls, and operating models in a scaling or high-volume environment.
• You have demonstrable experience leading innovation (for example: new monitoring approaches, automation, analytics improvements, or AI-enabled workflows) with measurable outcomes.
• You are experienced in running projects and change initiatives, including stakeholder management, prioritisation, and delivery planning.
• You’re hands‑on with data: you can interpret performance metrics, investigate root causes, and translate findings into clear requirements and control enhancements.
• You understand the practical governance needs of AI‑enabled and automated controls (documentation, explainability, testing, risk acceptance, and audit …