FinCrime AML/CTF Manager (Relocation to Luxembourg)

United States Digital Space LLC; Greater London; On-site; GBP 77,000 - 128,000; Full time

Benefits offered by this job

Health insurance

Stock Option Plan

Relocation support

Professional development

Language courses

Unlimited PTO

Hybrid working

Flexible hours

Parental leave

Job summary

United States Digital Space LLC is seeking a FinCrime AML/CTF Manager to lead our 1st line AML/CTF operations and translate regulatory policies into efficient risk management across the customer lifecycle.

The role requires 6+ years in AML/CTF, 2+ years leading teams, and strong knowledge of EU AML directives and FATF. Luxembourg regulatory familiarity is a plus; CAMS/ICA certification is highly expected.

Qualifications

• 6+ years in AML/CTF ops in fintech or digital banking.
• 2+ years leading dedicated AML/CTF teams.
• Deep understanding of EU AML directives and FATF.
• Luxembourg regulatory requirements knowledge is a plus.
• CAMS or ICA certification expected.
• Experience with transaction monitoring systems and SAR/STR review.

Responsibilities

• Lead and manage the 1st line AML/CTF operations team.
• Translate compliance policies into actionable risk processes.
• Own Customer Risk Assessment Frameworks and risk scoring.
• Oversee due diligence by KYC/KYB teams.
• Define onboarding requirements with Product for compliant UX.
• Report risk metrics to senior management.

Skills

Leadership

Regulatory mastery

Operational mindset

AML/CTF experience

Team leadership

Data analytics

KPIs

SQL

Splunk

HEX

Change management

Regulatory knowledge

FATF knowledge

Luxembourg regs

Education

CAMS

ICA

Tools

SQL

Splunk

HEX

Job description

Please note that this job requires mandatory relocation to Luxembourg.

About us

Traditional banking has never really given you control over your financial life. the company exists to change that: to empower people through finance.

That means making financial services easy and accessible for over 6.5M users. We started with payments, then benefits, investing, cards... and we're not done. Not even close. We follow the same logic every time: find a real problem, solve it properly, then look for the next one. The destination? To build the most loved financial platform in the world. If you own outcomes rather than tasks, stay close to what users need, and refuse to wait for someone else to fix what's broken — you'll find people here who work exactly in the same way. And together, you'll build something worth being proud of.

What you'll be doing

As our FinCrime AML/CTF Manager, you'll lead, grow, and manage our 1st line AML/CTF operations team, translating compliance policies into smooth, actionable risk management processes across the entire customer lifecycle.

Here's what that looks like in practice:

• Customer Risk Management - Owning and maintaining the Customer Risk Assessment Frameworks, ensuring risk scoring and categorisation accurately reflect financial crime realities.

• Lifecycle & Periodic Reviews - Leading periodic and event-driven reviews across the customer portfolio to dynamically reassess customer risk categorisations.

• Oversight of Due Diligence Activities - Overseeing onboarding and ongoing monitoring activities executed by KYC and KYB teams, aligning internal controls with regulatory expectations.

• Product Requirements & UX Optimisation - Partnering closely with Product teams to define actionable onboarding requirements that balance regulatory compliance with a frictionless user experience.

• Surveillance & Detection Management - Overseeing end-to-end transaction monitoring for all AML/CTF typologies, including timely assessments, escalations, and scenario calibrations.

• Team Leadership & Stakeholder Management - Mentoring and scaling a team of AML/CTF analysts, driving operational excellence, and regularly reporting risk metrics to senior management.

• Compliance Translation - Acting as the primary liaison to the 2nd Line Compliance team, proactively translating regulatory updates into scalable operational workflows.

• Reporting to the FIU - Serving as the final 1st line approver for Suspicious Activity Reports (SARs) and Suspicious Transaction Reports (STRs).

• Audit & Regulatory Liaison - Preparing operational documentation and data for internal audits, external regulatory reviews, and inquiries from competent authorities.

Who we're looking for

This role needs someone equipped with strong leadership, deep regulatory mastery, and an operational mindset to protect our ecosystem against financial crime.

• Experience - 6+ years in AML/CTF operations within Fintech, digital banking, or payment processing environments, with 2+ years of experience leading and managing dedicated teams.

• Regulatory Knowledge - Profound understanding of EU AML Directives and FATF recommendations, with strong knowledge of Luxembourg regulatory requirements (knowledge of Italian regulations is a plus).

• Certifications - Professional certification such as CAMS, ICA, or equivalent is highly expected.

• Operational Framework Mastery - Proven track record managing transaction monitoring systems, reviewing/approving SARs/STRs, and designing practical customer risk-rating frameworks.

• Stakeholder & Communication Skills - Exceptional ability to negotiate, collaborate across functions, and liaise seamlessly with 2nd line compliance teams.

• Data-Driven Leadership - Strong analytical mindset capable of leveraging KPIs and data tools (such as HEX, SQL, or Splunk) to optimize operational queues and assess resource needs.

• Change Management Mindset - Agility to lead teams through hyper-growth, shifting regulations, and tech upgrades while maintaining high morale and performance.

Don't worry if you don't tick every box. We believe in the power of different viewpoints and strengths. Your unique perspective is important as we build something special: if you're passionate and can make a difference, we truly encourage you to apply.

CareAbout: how we support your impact

We move fast, and evolution never stops. It's a fun ride, but it can be challenging. To make sure our people truly thrive, we're committed to making their lives easier, both in the office and out in the world.

That's why we created CareAbout:

• Health: private insurance for you and your family, psychological support with Serenis, mental health workshops.

• Financial resources: Stock Option Plan, meal vouchers, relocation support if you're moving countries.

• Growth and development: professional development programs, internal mobility, language courses with Preply.

• Flexibility: unlimited PTO, hybrid working policy*, flexible working hours.

• Family: enhanced parental leave, additional leave for child sickness.

• We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time.

Equal opportunity employer

At the company, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin.

Learn more about us

Curious what it's actually like here? Our values and pillars shape how we work every day: explore them here.