Senior AML Compliance Executive

OpenPayd Ltd; Greater London; On-site; GBP 70,000 - 110,000; Full time

Benefits offered by this job

Personal training budget

Cycle to Work

Discounted gym membership

Corporate discounts via PerkBox

Travel loan

Company Pension plan

Health, Dental & Life Insurance

Office breakfasts & team socials

Job summary

OpenPayd Ltd. is seeking a Senior AML Compliance Specialist to join our risk and compliance team in London. You will act as a Second Line escalation point for onboarding reviews and provide guidance on AML, CDD, EDD, and Sanctions decisions, ensuring alignment with policies and regulations.

You will train staff, conduct quality control on applications, and contribute to policy improvements while collaborating with First Line and external audits in a fast-paced fintech environment.

Qualifications

• In-depth knowledge of AML, CTF, and Financial Services regulations, and 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 – fintech, challenger bank, or consultancy.

Responsibilities

• Act as a Second Line point of escalation for First Line AML teams, reviewing and assessing complex 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.
• Deliver training within the department, and mentoring to First Line staff and new starters.
• Conduct Quality Control on applications and provide SME feedback.
• Conduct Compliance calls with customers, assessing controls and compliance programs.
• Identify and share areas of improvement in due diligence processes and procedures.
• Present case files and process overviews during audits and regulatory reviews.
• Draft and enhance compliance policies and procedures.

Skills

AML expertise

CDD expertise

EDD experience

Sanctions knowledge

Financial crime

Fintech

Mentoring

Training delivery

Regulatory knowledge

Analytical skills

Tools

-

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.

Key Responsibilities

• 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


• Anexpert in Compliance with a comprehensiveknowledgeandexperiencewithin Financial Services Compliance with a minimum of 3 years AML experience

Qualifications & 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

Benefits & Perks

• 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

OpenPayd Talent Team