Senior Transaction Monitoring & AI Fraud Architect

Pleo; Lisboa; Hybrid; EUR 90,000 - 120,000; Full time

Benefits offered by this job

Hybrid working options

Private healthcare

Lunch allowance

Parental leave

Job summary

Pleo in Lisbon is seeking a Senior Transaction Monitoring and Fraud Framework Specialist to lead the design and evolution of our financial crime controls. You’ll own end-to-end initiatives, partnering with Engineering, Risk, and Operations to scale our framework across the business.

The role focuses on turning regulatory expectations into automated interventions, integrating AI tools with governance, documentation, and testing, while balancing risk with customer experience and operational

Qualifications

• Significant experience designing and improving transaction monitoring and fraud frameworks in scaling/high-volume environments.
• Proven track record of leading innovation in monitoring approaches, automation, or AI-enabled workflows with measurable outcomes.
• Experience running projects and change initiatives with stakeholder management and delivery planning.

Responsibilities

• Lead innovation in transaction monitoring and fraud by identifying high-impact opportunities for automation, model/rule optimisation, and AI-assisted investigation workflows.
• Run end-to-end change and delivery projects (discovery → design → build → rollout → monitoring), coordinating stakeholders across 1LoD/2LoD, Operations, Product, Engineering, and Data.
• Design and maintain our financial crime frameworks, controls, and procedures, ensuring they remain effective as our products, customer base, and threat landscape evolve.
• Partner with Engineering on the development, deployment, and lifecycle management of transaction surveillance and fraud rules and models, including performance monitoring, drift detection, and continuous tuning.
• Integrate AI tools into processes responsibly, including improving alert triage and case prioritisation, enhancing investigation quality and consistency, accelerating root cause analysis and emerging-risk discovery, strengthening documentation, auditability, and control testing.
• Turn insights from transaction alerts and fraud cases into actionable improvements across the framework, leading with data to reduce false positives, close control gaps, improve prevention and coverage of complex typologies.
• File SARs for all EEA customers.
• Act as Pleo’s go-to transaction monitoring and fraud subject matter expert, sharing learnings on threats, regulatory developments (including AML/CTF), and industry best practice.

Skills

Cross-functional leadership

AI-enabled workflows

Data interpretation

Regulatory knowledge AML/CTF

Project management

Tools

AI tools

Job description

Pleo in Lisbon is seeking a Senior Transaction Monitoring and Fraud Framework Specialist to lead the design and evolution of our financial crime controls. You’ll own end-to-end initiatives, partnering with Engineering, Risk, and Operations to scale our framework across the business.

The role focuses on turning regulatory expectations into automated interventions, integrating AI tools with governance, documentation, and testing, while balancing risk with customer experience and operational