Source Job

• Maintain and improve the financial crime risk management framework.
• Provide leadership and guidance to a team of financial crime professionals.
• Conduct ongoing risk assessments to identify and assess potential financial crime risks.

Xapo Bank is committed to changing the way things are done and provides economic freedom and wealth protection. They are a fully distributed team of over 150 Xapiens that work remotely from 30+ countries around the world, with headquarters in Gibraltar.

• Review and disposition transaction monitoring alerts, applying BSA/AML typologies.
• Conduct KYC reviews for new and existing customers, verifying identity documents and assessing risk profiles.
• Assist with periodic quality assurance and file reviews, including for our bank partner program.

Flex is building the AI-native private bank for business owners. They are re-architecting the entire financial system for entrepreneurs and have scaled from zero to nine-figure annualized revenue, with a clear path to profitability by late 2026.

• Managing a small team to ensure a smooth month-end reporting process.
• Working with engineers and data teams to automate production elements.
• Ensuring financial reporting policies, procedures, and controls are up-to-date and scalable.

Monzo is on a mission to make money work for everyone, waving goodbye to traditional banking's complexities. They provide personal and business bank accounts, joint accounts, and credit cards, focusing on solving problems and changing lives through financial education and customer service.

• Lead a team of Fraud Risk Analysts in daily processes to detect, prevent, and mitigate fraud, ensuring compliance with regulatory guidance.
• Perform quality control reviews of casework, monitor case metrics, and review Suspicious Activity Reports for adherence to FinCEN guidelines.
• Collaborate with cross-functional teams to prioritize and implement risk mitigation policies and controls, and establish annual goals and performance reviews for the analyst team.

Fulton Bank is a financial institution providing banking services to local communities. It emphasizes a culture of continuous learning, work-life integration, and inclusion, leveraging a digitally enabled environment for its employees and customers.

• Take ownership of the review caseload, producing reports to a high standard and tracking recommendations through to closure.
• Keep the assurance schedule on track, ensuring each customer receives the right level of scrutiny.
• Build genuine, trusted relationships with DCs and internal stakeholders, becoming a credible point of contact.

Griffin is a fully regulated UK bank that powers the accounts and payments offerings of product-led fintechs and platforms. They've been remote-first since 2017 and have created a high-trust, high-autonomy environment so their people can focus on delivering real value for customers.

• Diligently investigate and resolve complex, high-impact fraud cases from internal teams and carrier partners, applying strong analytical judgment.
• Conduct advanced data analysis using tools like Looker, SQL, and Datadog to identify fraud patterns, quantify risk, and support data-driven decisions.
• Lead escalations, make final decisions with business impact, and partner with account owners to clearly communicate findings and support resolution.

Aircall provides a cloud-based phone system and call center software for modern businesses. It is a technology company working to improve customer communication and support operations.

• Build and own senior, executive-level relationships across partner banks.
• Lead the design and rollout of new bank-led distribution and lending propositions end-to-end.
• Continually monitor portfolio performance against agreed KPIs across origination, credit quality, collections, revenue and customer outcomes.

JUMO partners with banks to provide lending and digital banking solutions in emerging markets. They aim to drive financial inclusion through innovative technology and strategic partnerships, operating with a focus on scalability and impact.

• Identify opportunities for growing adoption and engagement of payments and shape these opportunities through all phases of planning and execution - for both retail and business segments.

Monzo is on a mission to make money work for everyone. They offer personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK. They are gearing up for their next phase of growth, from 15 million to 20 million customers.

• Collaborate closely with the Merchant Risk team to identify, assess, and mitigate compliance risks associated with merchant and platform partners.
• Review and approve financial services marketing materials to ensure they comply with regulations and industry standards.
• Work cross-functionally with departments such as Compliance, Legal, Risk, and Revenue to complete reviews and address compliance issues and their root causes.

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. They are a remote-first company, with a dedicated group of professionals committed to helping Affirm scale, innovate, and provide outstanding products.

• Leads and develops a team of professionals responsible for risk analysis, review, and reporting.
• Assesses risk position and communicates risk trends to senior leadership while overseeing the business and third-party risk review pipeline.
• Executes on risk governance frameworks and collaborates with other leaders to deliver on initiatives and establish trust with stakeholders.

Pathward is a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. The team embraces a HUMBLE, HUNGRY, and SMART culture, celebrating diverse perspectives to drive success.

• Own strategy and execution for card fraud, while also contributing to broader fraud strategy across adjacent domains
• Use data and quantitative analysis to design fraud controls, mitigate risk, and improve customer experience while balancing trade-offs
• Partner with Compliance and Legal to ensure solutions align with regulatory requirements

Mercury is building a complete finance stack for startups. They work to create the easiest and safest banking experience possible to simplify entrepreneurs' and business owners’ financial lives.

• Lead a team of analytics and strategy professionals for the Fraud Strategy & Analytics team focused on new account screening.
• Design, lead, and implement analytics, technology, and process improvement decisions focused on digital account controls.
• Utilize descriptive and predictive approaches to mitigate fraud trends, including reporting, fraud rules, and leveraging technology.

Fifth Third Bank connects great people to great opportunities. They are committed to taking care of their customers, employees, communities and shareholders, and aim to be the nation’s highest performing regional bank, valued and trusted by all.

• Follow company policies/standards to determine if activities or transactions are non-compliant/potentially suspicious and action as appropriate.
• Ability to work / investigate alerts in a fast-paced environment while maintaining high quality standards.
• Undertake ad-hoc project work and Financial Crime program enhancements.

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. They aim to change consumer finance through better technology, lower costs, and increased transparency while providing the best customer experience.

• Leading the credit risk strategy oversight team and owning the delivery of independent oversight and assurance plans.
• Supporting the team in reviewing credit strategy and product changes, highlighting key risks and influencing decisions.
• Partnering with colleagues to support credit strategy changes, including new product launches and ensuring risk appetite is met.

Monzo is on a mission to make money work for everyone, waving goodbye to complicated traditional banking. After starting as a prepaid card, they have grown, now offering personal & business bank accounts, joint accounts, and credit cards with more to come.

• Be the primary point of contact for our customers, attending to day-to-day and 'big picture' problems and opportunities and helping maximize the customer's ROI in Sardine.
• Build a thorough understanding of our product, technology, and strategy and be able to message these succinctly to customers.
• Translate complex product and technology problems into simple and actionable solutions. Be able to manage the solution process both internally and externally.

Sardine is a leader in fraud prevention and AML compliance. Their platform uses device intelligence, behavior biometrics, machine learning, and AI to stop fraud before it happens. They have hubs in the Bay Area, NYC, Austin, Toronto and São Paulo, and maintain a remote-first work culture.

• Support the implementation and ongoing operation of Monzo’s strategic risk oversight and framework processes.
• Develop strategic risk oversight dashboards, building these from scratch and exploring both internal data and external macroeconomic data sources.
• Interpret macroeconomic and external developments and assess their impact on Monzo’s strategic risks.

Monzo is on a mission to make money work for everyone, waving goodbye to the complicated ways of traditional banking. They have grown a lot in the last 10 years, with offerings such as personal and business bank accounts, joint accounts, and credit cards.

• Review and clear fraud alerts from monitoring systems related to various transactional fraud typologies.
• Analyze transactional activity to determine if alerts represent legitimate customer behavior or potential fraud.
• Document investigative findings clearly within case-management systems ensuring accurate decisioning and audit-ready records.

Capital Bank N.A. is a publicly traded company offering commercial and consumer banking services. With over $3 billion in assets, they emphasize personalized approaches, technology, and comprehensive services while valuing employees, as demonstrated by multiple 'Best Banks to Work For' awards.

• Lead analytical work across the merchant risk lifecycle.
• Build and maintain queries, dashboards, and reporting.
• Investigate high-risk merchant activity.

Wisetack builds consumer lending products for service-based businesses. They are a well-funded startup backed by leading VCs, and the leadership team comes from top fintech companies.