CRS
Head of Transaction Monitoring
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Head of Transaction Monitoring & Fraud
Must have Acquiring and/or Issuing experience
An exciting opportunity has arisen to join one of the UK's fastest-growing fintech payments businesses.
This is a senior leadership role where you'll take ownership of the organisation's transaction monitoring and fraud prevention framework, helping protect the business and its customers from financial crime while supporting continued growth and innovation.
This is an opportunity to make a genuine impact within a high-growth, technology-driven payments business where you'll lead a high-performing team and have the autonomy to shape strategy, influence senior decision-making and build a best-in-class transaction monitoring function.
The Opportunity
As Head of Transaction Monitoring & Fraud, you will be responsible for defining and delivering the firm's transaction monitoring strategy across fraud prevention, AML/CTF, sanctions screening and payment scheme compliance.
You'll combine strategic leadership with hands-on operational oversight, ensuring monitoring controls remain effective, proportionate and scalable as the business continues to expand. This role offers significant exposure across the organisation, partnering with Technology, Risk, Compliance, Operations and Product teams, while acting as a key contact for regulators, auditors, card schemes and external partners.
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Key Responsibilities
- Lead and evolve the end-to-end transaction monitoring and fraud risk framework.
- Own governance for alerts, investigations, escalations and decision-making, ensuring consistency and robust risk management.
- Drive continuous improvement through monitoring rule optimisation, effectiveness testing and data-led insights.
- Develop fraud and financial crime typologies across acquiring and digital payments, including merchant fraud, card-not-present, account takeover and emerging threats.
- Build meaningful MI, KPIs and KRIs that provide actionable insight to senior leadership.
- Partner with Technology and Data teams to enhance automation, analytics and monitoring capability.
- Provide monitoring and fraud expertise to new products, customer onboarding and higher-risk business initiatives.
- Ensure compliance with UK regulatory requirements, industry standards and card scheme obligations.
- Lead responses to audits, regulatory reviews and control remediation programmes.
- Act as the senior escalation point for complex fraud and financial crime investigations.
- Inspire, coach and develop a high-performing specialist team while fostering a strong risk and compliance culture.
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About You
We're looking for an experienced financial crime leader with a strong background in payments, acquiring or fintech.
You'll bring:
- Deep knowledge of AML, CTF, sanctions and fraud risk within payments.
- Strong expertise in transaction monitoring systems, rule calibration and alert optimisation.
- Experience working with regulators, auditors and payment schemes.
- A proven track record of leading teams and driving operational excellence.
- Excellent stakeholder management and the ability to communicate complex issues with clarity.
- A passion for innovation, continuous improvement and building scalable control frameworks.
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