Senior AML Compliance Executive

OpenPayd Ltd; Greater London; On-site; GBP 65,000 - 90,000; Full time

Benefits offered by this job

Personal training budget - £3000

Cycle to Work scheme

Discounted gym membership - £80 toward

Corporate discounts via PerkBox

Travel loan

Company Pension plan

Health, Dental & Life Insurance

Wednesday office breakfasts, office-fr

25 days annual leave plus the Bank Hol

Job summary

OpenPayd Ltd seeks an experienced AML compliance professional to lead second-line risk assessments and guidance across onboarding, CDD/EDD and sanctions. You will mentor First Line staff, conduct training, and support audits within a fast-paced fintech environment.

The role requires a strong analytical mindset, in-depth regulatory knowledge, and excellent communication skills to influence senior management and drive robust financial crime controls.

Qualifications

• Minimum 3 years AML experience in financial services.
• Deep knowledge of AML, CTF and related regulations.
• Experience with UK/EU fintech and regulated entities.
• Ability to mentor staff and run training sessions.
• Strong analytical and problem-solving skills.
• Excellent written and verbal communication.

Responsibilities

• Act as a Second Line point of escalation for AML onboarding cases.
• Provide risk-based guidance on AML, CDD, EDD and sanctions.
• Review First Line risk decisions for policy alignment.
• Resolve escalations with clear rationale.
• Deliver training and mentor new staff.
• Perform quality control on applications.
• Conduct compliance calls with customers.
• Identify areas for improvement in due-diligence processes.
• Support audits with case files and process overviews.
• Draft and update compliance policies and procedures.

Skills

AML Compliance

Regulatory Knowledge

CDD/EDD

UK/EU Financial Services

Mentoring & Training

Analytical Skills

Communication Skills

Interpersonal Skills

Time Management

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:

• Anexpert in Compliance with a comprehensiveknowledgeandexperiencewithin 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
• Theabilitytoself-manage,organizecompetingprioritieseffectivelyandmeetdeadlines
• Ability to mentor, and deliver training in a confident cohesive manner
• Youenjoyworkingefficientlyinafast-paced,high-volumeenvironmentand thrive when there's ambiguity
• Experienceofworkinginfintech
• Stronganalyticalskills,problem-solvingabilityandattentiontodetail
• Goodinter-personalskills
• Abilitytocommunicatebothorallyandinwriting,andbe ableto present credibly and professionally to senior management
• Abletobuildstrongrelationshipswithpeersandbusinesscounterparts

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