Financial Crime Manager

ACE MONEY TRANSFER LIMITED; Kharian; On-site; PKR 2,400,000 - 3,600,000; Full time

Job summary

ACE Union is seeking a Financial Crime Manager to assist the MLRO in ensuring compliance with AML, CTF, and related regulations. The role involves identifying regulatory risks, reviewing policies, and supporting SAR submissions.

It requires monitoring regulatory changes and coordinating across departments to close gaps. The Manager will oversee investigations, collaborate on risk mitigation, and ensure effective use of AML software and reporting.

Qualifications

• Bachelor’s degree in business, Finance, or related field.
• 7+ years in financial crime technology, AML systems, or risk technology management.
• Hands-on experience with transaction monitoring, sanctions screening, and fraud detection platforms.
• Strong knowledge of AML, CTF, sanctions, and fraud regulations in the financial services industry.
• Experience in system implementation, upgrades, and vendor management.
• Strong project management and problem-solving skills.
• Excellent communication and stakeholder engagement abilities.

Responsibilities

• Supporting the implementation of ACE’s AML and other financial crime-related regulations and policies.
• Maintaining the integrity of management information used across the company to mitigate financial crime risks.
• Assessing product-related financial crime risks and assisting in developing strategies to manage those risks.
• Disseminating policies and procedures related to financial crime compliance activities to relevant departments.
• Stay abreast of emerging trends, techniques, and regulatory changes in financial crime and adapt strategies.
• Prepare and present regular reports to the MLRO on financial crime risks, incidents, and mitigation efforts.
• Assist the MLRO in submitting SARs to NCA and other FIUs.
• Ensure financial crime matters are addressed in new partnerships and agreements.
• Maintain up-to-date knowledge of financial crime laws and contract requirements.
• Monitor regulatory policies across jurisdictions and advise the MLRO on risks.
• Ensure appropriate software and technology support oversight of risk areas.
• Direct internal investigations into compliance issues related to financial crime.
• Assist auditors with financial crime reviews and audits.

Skills

Transaction monitoring

Sanctions screening

Fraud detection platforms

Project management

Stakeholder engagement

Communication

Problem-solving

Under pressure

Education

Bachelor's degree in business, Finance

Tools

AML systems

Sanctions screening software

Transaction monitoring software

Job description

Job Description

About Us

We are a dynamic and fast-growing financial technology group headquartered in Manchester, United Kingdom, with an established presence across the UK, Europe, Canada, Australia, Pakistan, and Bangladesh. Our group, encompassing ACE Money Transfer and ACE Union, operates across two regulated verticals: Electronic Money Services (EMI) and Cross-Border Remittances. Through our digital platforms, including mobile apps, web portals, and APIs, we deliver a comprehensive range of regulated financial services. These include digital payments, e-wallets, electronic money issuance, prepaid cards, mobile top-ups, bill payments, and international money transfers, designed to serve both individual and business customers in over 100 countries. By leveraging cutting-edge technologies such as AI for fraud detection, automation for seamless transactions, and partnerships with global leaders like Mastercard, we provide secure, user-friendly, and accessible financial solutions that adapt to the evolving needs of a global customer base. As we scale our EMI and remittance operations amid 2025s fintech landscape—marked by real-time payments, embedded finance, blockchain integration, and sustainability initiatives—we are building a leadership team to drive innovation, regulatory compliance, and excellence across our dual-regulated ecosystem.

Position Summary

ACE Union is looking to hire a Financial Crime Manager to assist the MLRO in ensuring the organisations compliance with anti-money laundering (AML), counter-terrorist financing (CTF), and other financial crime prevention regulations. This role includes identifying key regulatory risks related to financial crime within the companys operations, reviewing relevant policies and procedures, and supporting the Money Laundering Reporting Officer (MLRO) in submitting Suspicious Activity Reports (SARs). The Manager will also be responsible for overseeing investigations into any financial crime-related compliance issues identified.

Key responsibilities include monitoring changes in financial crime-related laws and regulations within the industry, disseminating updates to relevant business functions, assessing the impact of new or revised regulations, and collaborating with other departments to address any compliance gaps.

Report directly to the MLRO and will work closely with other departments to ensure that the business operates in full compliance with all relevant financial crime regulations.

Job Responsibilities

• Supporting the implementation of ACE’s Anti-Money Laundering (AML) and other financial crime-related regulations and policies.
• Maintaining the integrity of management information used across the company to mitigate financial crime risks in all products and locations.
• Assessing product-related financial crime risks and assisting in developing strategies to manage those risks effectively.
• Disseminating policies and procedures related to financial crime compliance activities to relevant departments.
• Stay abreast of emerging trends, techniques, and regulatory changes in the field of financial crime and proactively adapt strategies to address new challenges.
• Prepare and present regular reports to the MLRO aon financial crime risks, incidents, and mitigation efforts.
• Assisting the MLRO in submitting Suspicious Activity Reports (SARs) to the National Crime Agency (NCA) and other local FIUs.
• Ensuring that financial crime-related matters are properly addressed in new partnerships and agreements.
• Maintaining up-to-date knowledge of relevant financial crime laws, regulations, and contract requirements to ensure continuous compliance.
• Monitoring the development of regulatory policies and enforcement strategies regarding the firm’s operations across all jurisdictions where ACE operates, advising the MLRO on emerging financial crime risks.
• Ensuring that appropriate software and technology are in place to support effective oversight and monitoring of financial crime risk areas.
• Directing internal investigations into compliance issues related to financial crime, ensuring swift resolution.
• Assisting auditors (internal or external) with financial crime related reviews and audits, ensuring they have the necessary information and access.

Qualifications and Skills

• Bachelor’s degree in business, Finance, or a related field.
• Minimum 7 years’ experience in financial crime technology, AML systems, or risk technology management.
• Hands-on experience with transaction monitoring, sanctions screening, and fraud detection platforms.
• Strong knowledge of AML, CTF, sanctions, and fraud regulations in the financial services industry.
• Experience in system implementation, upgrades, and vendor management.
• Strong project management and problem-solving skills.
• Excellent communication and stakeholder engagement abilities.
• Ability to work under pressure and manage multiple priorities.
• ACE Union Website: https://www.aceunion.com