Transaction Monitoring Lead

Unlimit; United States; On-site; USD 110,000 - 170,000; Full time

Job summary

Unlimit is expanding its transaction monitoring function in the United States, seeking an experienced leader to manage a team across acquiring and issuing. The role emphasizes hands-on SQL, fraud detection, and risk management to protect customers and partners.

The ideal candidate will bring proven leadership in transaction monitoring, strong familiarity with card schemes, and the ability to translate complex data into strategic decisions.

Qualifications

• Proven leadership experience in transaction monitoring with team management.
• Strong acquiring experience within an acquirer or PayFac environment.
• Hands-on SQL experience to query and analyze transaction data.
• Solid understanding of card schemes and acquiring risk.

Responsibilities

• Lead and grow the transaction monitoring function across acquiring and issuing.
• Develop, implement, and optimize monitoring rules and fraud detection strategies.
• Translate data into actionable risk management decisions for cross-functional teams.
• Oversee operational fraud investigations and escalations.

Skills

SQL proficiency

Analytical skills

Data analysis

Fraud detection

Leadership

Acquiring risk

Tools

SQL

Job description

About Unlimit

Unlimit is a global fintech ecosystem built to eliminate financial borders holding businesses back. The company provides the extensive infrastructure needed to scale globally, integrating payment processing, multi-currency business accounts, BaaS and crypto gateways into a single, intelligent platform.

Across 17 offices globally, Unlimit bridges hyper-local expertise with a high-capacity financial network, giving companies the agility to expand across regions with operational confidence and speed. Driving the evolution of payments, Unlimit is transforming its infrastructure from human-operated fintech into AI-native financial infrastructure — where APIs are consumed by machines, integrations are negotiated by agents, and systems evolve continuously through intelligent automation. Our next users are not only humans. They are AI agents acting on behalf of humans and businesses.

Unlimit serves more than the needs of businesses today; we are building the nervous system for a borderless global economy.

We are looking for an experienced Transaction Monitoring professional to lead and grow our monitoring function across acquiring and issuing. You will bring a proven track record of managing team and building monitoring capabilities, strong analytical and hands-on SQL skills, and direct experience in an acquirer or PayFac environment, with a solid understanding of acquiring transaction monitoring and portfolio-level fraud risk. If you combine leadership, technical depth, and acquiring expertise, we would love to hear from you.

Team Leadership

• Proven leadership experience in transaction monitoring, including direct management of teams.
• Strong acquiring experience is mandatory, specifically within an acquirer or Payment Facilitator (PayFac) environment.

Fintech background

• Experience limited to merchant-side fraud monitoring is not sufficient for this position.
• Solid understanding of card payment processing, acquiring risk, fraud prevention, and transaction monitoring.

Hard skills

• Hands-on technical skills, including SQL proficiency and the ability to independently query and analyse transaction data.
• Practical experience developing, implementing, and optimising transaction monitoring rules and fraud detection strategies.

Soft skills

• Strong understanding of card scheme requirements (Visa and Mastercard), fraud monitoring programmes, and related risk indicators.
• Experience managing operational fraud investigations and escalations.
• Strong analytical skills and the ability to translate data into actionable risk management decisions.