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Team Tagline
About the role
emFi (YC S21) is building the neobank for African diaspora in North America & Europe. We provide our users with a multi-currency account that allows them to hold, send, and receive money from Africa in any currency for their business and personal banking needs. We are a fast-paced startup with entities in the UK, USA, Canada and Nigeria.
As an AML Ops Lead - Transaction Monitoring within the Compliance Operations team, you will play a critical role in protecting LemFi and its customers from financial crime while enabling safe and seamless access to our products. Reporting to the Function Manager/Head, you will operate at the heart of day-to-day compliance decision-making, balancing regulatory compliance frameworks with a seamless user experience to support sustainable, high-growth fintech scaling.
Required Skills
Preferred Skills
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Responsibilities
- Team Leadership & People Management: Lead, coach, and develop a team of AML analysts by providing regular feedback, tailored coaching, and early performance support. Foster a collaborative culture where knowledge is shared, issues are escalated early, and continuous learning is encouraged.
- Alert Triage & Investigations: Oversee the review of systematic alerts triggered by suspicious activity, ensuring every investigation is thorough, well-reasoned, and clearly documented from first review through to closure or escalation. Your team's case narratives should hold up to scrutiny, whether that's an internal audit or a regulator's request.
- Quality Assurance & Performance: Perform independent quality reviews of completed TM investigation decisions before closure or escalation. Track team and individual performance against SLA, quality, and false-positive metrics, and use what you find to guide coaching, not just reporting. Run regular 1:1s with clear, actionable takeaways, and address underperformance early with specific, documented goals.
- System Optimization: Proactively identify issues and inefficiencies in processes and drive solutions through a mix of partnerships, technology, process, and procedure changes, including working closely with compliance and engineering. You're expected to bring data and specific proposals to these conversations, not just flag the problem.
- Performance & Metrics: Track and report on key team metrics, including SLA adherence, QA pass rates, and false-positive trends, using these insights to guide coaching and process improvements.
- Stakeholder Engagement: Partner with compliance on complex or high-risk cases and represent the team's findings clearly when escalating to senior stakeholders.
- Staying Current: Keep up to date with evolving AML typologies and regulatory expectations (e.g., OFAC, FCA, FINTRAC) relevant to LemFi's markets, and help bring that awareness into the team's day-to-day investigations.
- Issue Escalation: Flag control weaknesses, high-risk cases, or tooling/process issues to leadership promptly and clearly, following agreed protocols. The goal is for leadership to hear about problems from you first, not after the fact.
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