Senior Transaction Monitoring Framework Specialist

Pleo; Almada; Híbrido; EUR 90 000 - 130 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Your own Pleo card

Lunch provided or lunch allowance

Private healthcare

25 days holiday + public holidays

Hybrid work options

Mental health support program

Parental leave

Resumo da oferta

Pleo is seeking a Senior Transaction Monitoring and Fraud Framework Specialist to join our 1LoD in a pivotal role. You’ll architect our defence strategy across transaction surveillance and fraud, embedding AI to detect, investigate, and prevent financial crime.

You’ll lead cross-functional projects with Engineering, Data, and Operations to design scalable controls and modernize our framework. You’ll drive automation, establish new monitoring approaches, and ensure governance and explainability

Qualificações

• Significant experience designing and improving transaction monitoring and fraud frameworks.
• Experience leading innovation with measurable outcomes.
• Strong stakeholder management and cross-functional delivery skills.

Responsabilidades

• Lead innovation in transaction monitoring and fraud with automation, model/rule optimisation, and AI-assisted investigation workflows.
• Run end-to-end change and delivery projects (discovery → design → build → rollout → monitoring) across 1LoD/2LoD, Ops, Product, Eng, and Data.
• Design and maintain financial crime frameworks, controls, and procedures to scale with product growth.
• Collaborate with Eng on deployment and lifecycle management of rules and models, including monitoring and drift detection.
• Integrate AI tools into processes with emphasis on alert triage, investigation quality, and governance.
• Turn insights into actionable improvements to reduce false positives and close control gaps.
• File SARs for all EEA customers and share learnings on regulatory developments.

Descrição da oferta de emprego

About Pleo Messy spend management is tricky business. And tedious processes are a lose-lose situation for all involved, not just finance. At Pleo, we're changing that. We build spend solutions that make managing money seamless, empowering, and surprisingly effective for finance teams and employees alike - with a vision to help all businesses 'go beyond'.

The word 'Pleo' actually means 'more than you'd expect', and living by that mantra has been the secret to our success over the last 10 years.

Now, we're at a pivotal moment in our journey;

every move we make has a direct impact on our 40,000+ customers, our business, and our collective success. We need people who take pride in uncovering customer needs, who turn complex problems into simple solutions, challenge the way things are done (respectfully), and always aim high. With great ambitions driving us forward, we can't say we've got this whole thing figured out. And frankly, that's half the fun! What we can say is that we're a driven, progressive, and, importantly, a kind bunch of 850+ people from over 100 nationalities, all committed to delivering the future of business spending, together.

About This Role

We're looking for a Senior Transaction Monitoring and Fraud Framework Specialist at Pleo in the first line of defence (1LoD). You'll be the architect of our defence strategy across transaction surveillance and fraud, with a clear focus on leading innovation and embedding AI into how we detect, investigate, and prevent financial crime.

This isn't a purely reactive role. Within our Financial Crime Framework & Innovation team, you'll run cross-functional projects that bring together Financial Crime Operations, Engineering, 2LoD, and leadership to design controls and processes that scale. You'll translate emerging threats and regulatory expectations into practical, automated, and measurable interventions and controls — including the thoughtful use of AI tools to improve decision quality, reduce manual effort, and strengthen governance.

What you'll do

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 improve 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.

Who you are

You're a builder and a problem-solver who can turn strategy into operational reality. You're comfortable in ambiguity, confident leading cross-functional delivery and taking on responsibility, and you have a track record of driving meaningful change transaction monitoring.

You have significant experience designing and improving transaction monitoring and fraud frameworks, controls, and operating models in a scaling or high-volume environment.

You have demonstrable experience leading innovation (for example: new monitoring approaches, automation, analytics improvements, or AI-enabled workflows) with measurable outcomes.

You are experienced in running projects and change initiatives, including stakeholder management, prioritisation, and delivery planning.

You're hands‑on with data: you can interpret performance metrics, investigate root causes, and translate findings into clear requirements and control enhancements.

You understand the practical governance needs of AI-enabled and automated controls (documentation, explainability, testing, risk acceptance, and audit readiness).

You communicate clearly to both technical and non-technical audiences, and you can translate complex financial crime concepts into actionable guidance.

You're comfortable balancing customer experience, operational efficiency, and risk management.

You are an expert within the transaction monitoring and fraud area and preferable also a high knowledge about KYC in general.

You thrive in an environment where responsibility often will find you and where there is a lot of flexibility.

You may have been or are a people leader.

Why is this role a good fit for you

You're energised by translating complex regulatory and operational challenges into practical, scalable solutions.

You have a proven track record of driving measurable improvements in transaction monitoring or financial crime prevention, and you're excited to do this at scale.

You're comfortable operating in ambiguity, owning cross-functional delivery, and taking responsibility for outcomes that span multiple teams.

You believe AI can strengthen financial crime defences and are keen to explore responsible, explainable approaches to automation.

You're a builder and problem-solver who can move quickly while maintaining rigour and governance.

This role is not a good fit for you

You prefer highly structured, process-driven environments with little room for ownership and initiative.

You're looking for a role focused purely on operational execution without strategic input or innovation.

You're uncomfortable with ambiguity, complexity, or the need to influence without direct authority across teams.

How you'll develop in this role

Lead a high-impact project – Own end-to-end delivery of a transaction monitoring improvement (e.G., new rule set, AI-assisted workflow, or false positive reduction initiative) that demonstrates your ability to drive change across teams.

Build deep relationships across the business – Collaborate with Financial Crime Operations, Engineering, Product, and Risk to understand how transaction monitoring sits within the broader control environment.

Grow your skills in AI governance – Deepen your understanding of designing, testing, and auditing AI-enabled controls in a regulated environment.

We're committed to helping you develop your career, whether that means stepping into leadership of a larger team, taking on increasingly complex strategic projects, or deepening your expertise as a world‑class transaction monitoring specialist. We'll invest in your development through mentorship, access to industry networks, and exposure to cutting‑edge financial crime prevention strategies.

Show me the benefits!

• Your own Pleo card (no more out-of-pocket spending!)
• Lunch is on us for your work days – enjoy catered meals or receive a lunch allowance based on your local office.
• Comprehensive private healthcare – depending on your location, coverage options include Vitality, Alan, or Médis.
• We offer 25 days of holiday + your public holidays.
• Hybrid working options available.
• We use MyndUp to give our employees access to free mental health and well‑being support.
• Paid parental leave – we support families and want you to feel you don't have to compromise.

The interview process

Intro call – A 30-minute conversation with our Talent Partner to discuss the role, your background, and what excites you about joining Pleo.

Technical deep-dive – A 45-minute discussion with the Head of Framework & Innovation, where we'll explore your experience with transaction monitoring design, a specific project you're proud of, and your thoughts on applying AI to financial crime prevention.

Stakeholder panel – A 60-minute conversation with representatives from Financial Crime Operations, 2LoD, and potentially Product/Engineering, to assess cross-functional collaboration and your understanding of the broader financial crime ecosystem.

Final conversation – A relaxed chat with our leadership team to discuss cultural fit, growth aspirations, and what success looks like for you in this role.

The location Please note: We can hire on a hybrid, or in‑person setup in any of the locations listed on the advert. You will need to be physically based in the country of your choice with a valid right to work.