Senior Aml Compliance Executive

OpenPayd Ltd; England; On-site; GBP 65,000 - 95,000; Full time

Benefits offered by this job

Personal training budget

Cycle to Work scheme

Discounted gym membership

PerkBox discounts

Travel loan

Company Pension plan

Health, Dental & Life Insurance

Office social events

Birthday & Volunteer day

Job summary

OpenPayd Ltd is seeking a compliance professional to strengthen our Second Line in a fast-paced fintech environment in the United Kingdom. You will review complex onboarding, advise on AML, CDD, and sanctions, and challenge risk decisions while mentoring First Line staff.

Ideal candidates have 3+ years AML experience, deep regulatory knowledge, and the ability to train teams. The role supports ongoing compliance initiatives and efficiency improvements in a dynamic workspace.

Qualifications

• 3+ years AML experience in financial services
• Deep knowledge of AML/CTF and financial regulations
• Background in client due diligence and complex corporate structures
• Experience in UK/EU regulated financial services sector, fintech is a plus
• Ability to mentor and train staff in a fast-paced environment

Responsibilities

• Act as a Second Line escalation point for First Line AML teams
• Provide risk-based guidance on AML, CDD, EDD and sanctions
• Review and challenge First Line risk decisions for policy alignment
• Document rationale and outcomes for escalations
• Deliver training and mentor junior teammates
• Perform quality control on applications and provide SME feedback
• Conduct compliance calls and assess customer controls
• Identify improvements in due diligence processes and procedures
• Present case files during audits and compliance reviews
• Draft and enhance compliance policies and procedures

Skills

AML Compliance

CDD/EDD

Regulatory Knowledge

FinTech Experience

Job description

Who are we? At OpenPayd, we are building a universal financial infrastructure to power the growth of the digital economy. Our rails-agnostic approach empowers any business to move and manage money globally - across both traditional rails and stablecoins — at scale, and in real time. The OpenPayd platform delivers a suite of banking and payments infrastructure: accounts in over 40 currencies, FX, on/off ramp, international and domestic payments, Open Banking services – all via a single API. A global network of licences alongside our best-in-class tech is why we're trusted by 1200+ enterprise clients to process over $300 bn volume annually.

How will you add value to the OpenPayd journey?

• Act as a Second Line point of escalation for First Line AML teams, reviewing and assessing complex, high-risk or sensitive onboarding and due diligence cases.
• Provide risk-based guidance and challenge to First Line colleagues on AML, CDD, EDD, Sanctions and Financial Crime matters
• Review and assess First Line risk decisions, ensuring consistency with internal policies, regulatory requirements and risk appetite.
• Resolve escalations from First Line teams, documenting rationale and outcomes clearly and proportionately.
• Delivering training within the department, and mentoring to First Line staff, and new starters.
• Conducting Quality Control on applications and providing SME feedback.
• Conducting Compliance calls with customers, ultimately assessing the customers controls and compliance program
• Proactively identifying and sharing areas of improvement in the due diligence processes and procedures.
• Presenting case files, and an overview of Processes during internal and external compliance audits
• Drafting and enhancing compliance policies and procedure

The ideal candidate will have the following:

• An expert in Compliance with a comprehensive knowledge and experience within Financial Services Compliance with a minimum of 3 years AML experience
• In-depth knowledge of AML, CTF, and Financial Services regulations, as well as industry best practices for robust AML Frameworks
• Background in CDD and ongoing assurance of complex client types and corporate structures
• Proven experience in the UK/EU regulated financial services sector - preferably within a fintech, challenger bank, correspondent banking, or consultancy firm.
• Experience working with Digital Asset service providers is also beneficial
• The ability to self-manage, organize competing priorities effectively and meet deadlines
• Ability to mentor, and deliver training in a confident cohesive manner
• You enjoy working efficiently in a fast-paced, high-volume environment and thrive when there's ambiguity
• Experience of working in fintech
• Strong analytical skills, problem-solving ability and attention to detail
• Good inter-personal skills
• Ability to communicate both orally and in writing, and be able to present credibly and professionally to senior management
• Able to build strong relationships with peers and business counterparts

Our perks and benefits

• Personal training budget - £3000
• Cycle to Work scheme
• Discounted gym membership - £80 towards any gym
• Corporate discounts via PerkBox
• Travel loan
• Company Pension plan
• Health, Dental & Life Insurance
• Wednesday office breakfasts, office fruits and a full bar & regular team socials
• 25 days annual leave plus the Bank Holidays, extra day off for Birthday & Social Volunteering