ABOUT US

Since 2020, Pliant has been on a mission to rethink credit cards and empower companies to grow by providing a smart way to pay that scale with their business. With our app and API-based solutions, Pliant allows companies to issue physical and virtual credit cards, automate payment processes, track spending, and seamlessly integrate these data into their finance stack.

Pliant is growing quickly. With our expansion into 35 international markets, we believe that people, passion, and diversity are the key ingredients to our future success. Our growing team of 160+ Plianteers come from 35 nationalities and work remotely or in a hybrid environment from our headquarters in the heart of Berlin. And we’re looking for more talented and committed people to join us on our journey!

About the Role:

Are you an experienced AML/Fraud professional looking for an exciting opportunity to build and lead a transaction monitoring function? Do you thrive in a fast-paced environment where you can shape processes, influence strategy, and grow with a company?

Pliant is a rapidly expanding FinTech with an EMI license in Finland, and as part of Compliance Operations we’re looking for a Team Lead Transaction Monitoring (m/f/d) to take charge of our team, with the opportunity to design and implement processes, enhance our monitoring framework, and play a key role in protecting our business from financial crime.

What You’ll Do:

Leadership & Team Development

• Take ownership of the Transaction Monitoring function.
• Foster a culture of excellence, accountability, and collaboration within the team.
• Act as a subject matter expert, supporting other business units with financial crime risk assessments.

Hands-On Operations & Investigations

• Oversee daily transaction monitoring activities, ensuring timely detection, review, and escalation of unusual transactions.
• Personally engage in detailed investigations of potential fraud, money laundering, or other financial crime risks.
• Ensure Pliant’s Transaction Monitoring function adheres to policy requirements and escalations meet regulatory standards.

Process & Policy Development

• Design and implement efficient and scalable TM frameworks, policies, and procedures.
• Continuously enhance monitoring tools and rules, leveraging data-driven insights to improve detection capabilities.
• Ensure alignment with local and international regulatory requirements and industry best practices.

Reporting & Stakeholder Engagement

• Provide regular updates and reports to senior management, compliance leadership, and regulators as required.
• Collaborate with internal stakeholders, including Compliance, Credit Risk, Legal, and Product teams, to optimize financial crime prevention measures.
• Stay ahead of regulatory changes and ensure the company is always compliant with evolving AML regulations.

What You’ll Bring: We’re looking for a proactive leader who can combine hands-on operational expertise with strategic thinking in a dynamic regulatory environment.

Experience & Background

• 3+ years of experience in Fraud/AML within fintech, banking, or payments.
• Strong background in Transaction Monitoring, management reporting, and process development.
• Experience in a scaling environment (fintech/startup) is a plus.

Education & Certifications

• Degree in Finance, Law, Business, or a related field.
• Professional certifications such as CAMS, ICA, or equivalent are a strong advantage.

Skills & Attributes

• Hands-on, problem-solving mindset – comfortable balancing operational tasks with strategic growth.
• Strong analytical skills and the ability to assess complex transaction patterns.
• Excellent leadership and interpersonal skills, with experience managing or mentoring teams.
• Knowledge of European and UK AML regulations and evolving regulatory trends.

WHAT WE OFFER

• The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence
• Attractive remuneration
• Flat hierarchy and transparent communication in a relaxed, professional atmosphere
• Opportunity to develop your talent in a dynamic team with ambitious goals
• Flexibility and possibility to work remotely
• Monthly mobility benefit
• Wellhub Membership
• Company card with a monthly allowance for lunches, coffee, etc. with co-workers