Transaction Monitoring Team Lead

The Transaction Monitoring Team Lead is responsible for overseeing a team of analysts who investigate transaction activity, review alerts, and escalate suspicious cases in line with AML/CTF regulations. This role ensures that monitoring processes are efficient, well-documented, and compliant with regulatory requirements, while also providing leadership, governance, and cross-functional collaboration. The Team Lead serves as the escalation point for complex cases, ensures timely delivery of reports, and contributes to strengthening the company’s overall financial crime risk framework.

Key Duties and Responsibilities

Transaction Monitoring & Investigations:

• Oversee the review of alerts and cases generated by monitoring tools, ensuring thorough investigation of merchant profiles and transactions.
• Ensure activity aligns with merchants’ declared business models and identify anomalies or suspicious behaviors.
• Manage Transaction Monitoring Requests (TMRs), ensuring timely review, analysis, documentation, and resolution.
• Oversee the preparation and escalation of Internal Suspicious Activity Reports (ISARs) in accordance with internal and regulatory requirements.
• Ensure accurate handling of law enforcement requests and merchant/in-house risk check requests.
• Maintain complete and accurate records of investigations and findings in line with audit and compliance standards.

Team Leadership & Management:

• Lead, coach, and develop a team of transaction monitoring analysts, fostering a culture of accountability and continuous improvement.
• Allocate resources and manage team workload to meet SLAs and regulatory deadlines.
• Serve as the primary escalation point for transaction exceptions, delays, or complex cases.
• Ensure team members are kept up to date on emerging AML/CTF risks, regulatory developments, and best practices.

Governance, Reporting & Escalations:

• Prepare and deliver regular reports on team performance, monitoring outcomes, and compliance metrics to senior management.
• Support internal and external audits with relevant case data, documentation, and insights.
• Monitor adherence to internal policies, procedures, and regulatory standards, escalating material issues to senior stakeholders.

Cross-Functional Collaboration:

• Collaborate with Compliance, Legal, Risk, Treasury, Customer Support, Product, and Engineering teams to ensure effective case resolution and process integration.
• Represent the transaction monitoring function in cross-departmental projects, system enhancements, and policy rollouts related to financial crime prevention.
• Contribute to regulatory submissions, filings, and responses to official requests as needed.

Requirements

• Experience in TRM in financial industry
• Leading experience
• Good analytical and investigation skills.