Manager Financial Crime Operations

EML Payments is a global payments company, headquartered in Brisbane, Australia, and listed on the Australian Securities Exchange. We build secure, instant payment solutions that connect our clients to their customers, wherever money is in motion. Our products include banking, credit and disbursement services, earned wage access, gifts, incentives and rewards, and FX solutions. We operate in more than 25 countries, we combine the energy of a start-up with deep leadership experience

About the role

Manager Financial Crime Operations will report to the Head of Financial Crime Operations and act as their deputy, with primary accountability for the day‑to‑day leadership and effectiveness of Transaction Monitoring, Sanctions Screening (payments and cardholders), and ongoing financial crime controls across EML’s global portfolio.

This role has a strong operational focus on AML/CTF transaction monitoring, and control effectiveness, you will also support with client onboarding and screening activities (KYB/KYC) when required. 

The role will have line‑management responsibility for first‑line teams and will work closely with Compliance, Technology, Product, and Commercial teams, as well as sponsor banks, regulators, and third‑party vendors.

What you will do

• Act as deputy to the Head of Financial Crime Operations, providing leadership cover, escalation support, and decision‑making when required.

• Support the delivery of significant control improvements to the first line of defence. 

• Own the effectiveness, quality, and consistency of transaction monitoring across all products and regions.

• Work with the senior leaders in FinCrime Team to ensure alerts are handled accurately, consistently, and within agreed SLAs, with robust QA and oversight in place.

• Support root‑cause analysis and remediation following control issues, missed alerts, or incidents.

• Support regulatory exams, sponsor‑bank reviews, audits, and assurance activity, particularly relating to transaction monitoring.

• Develop a high-performing team, fostering a culture of ownership, curiosity, operational excellence, and continuous improvement. 

• Collaborate with Product and Technology to enhance the financial crime technology offering and where appropriate drive the adoption of machine learning, AI and data analytics to enhance analyst experience and efficiency. 

• Work with the Head of Fraud to ensure financial crime processes have clear hand offs and escalation paths across the department.  

• Be an escalation point for the Financial Crime Operations team for complex cases and queries. 

• Ensure procedures and best practice are always followed. 

• Establish key risk indicators, metrics and dashboards for management and board reporting. 

• Deputise for the Head of Financial Crime Operations when required. 
  
  

What you will bring

• Proven experience leading AML Transaction Monitoring operations in a regulated financial services or payments environment.

• Demonstrated ability to manage large‑scale alert volumes, complex investigations, and senior escalations.

• Strong experience with financial crime technology, including tuning, optimisation, and oversight of third‑party tools.

• Demonstrated expertise in client onboarding and screening activities, including KYB and KYC, as required.

• Practical, working knowledge of global AML, CTF, and regulatory requirements, with confidence applying them operationally.

• Experience driving control improvement, remediation, and operatioal change in a first‑line environment.

• Strong stakeholder management skills, including engagement with Compliance, Technology, and sponsor banks.

• Commercially aware, with an understanding of how transaction monitoring controls impact customer experience, scalability, and cost.

• Excellent written and analytical skills, with the ability to produce clear, regulator‑ready explanations.

• Professional qualifications such as CAMS, ICA, or equivalent are highly desirable.

What we offer

• 25 days' annual leave, with an additional 5 days available once your annual leave is used
• Paid birthday leave and 2 paid volunteering days a year
• Enhanced parental leave: 12 weeks for primary carers and 4 weeks for secondary carers
• Private medical insurance fully covered by EML, including 24/7 GP phone and video access, specialist consultations, diagnostics and treatment
• An Employee Assistance Programme with up to 6 confidential counselling sessions a year
• A workplace pension scheme with company contributions 5% and employee minimum 3%, salary sacrifice scheme also available
• Income protection of up to 75% of salary and life insurance at 4× annual salary
• A Cycle to Work scheme through tax-efficient salary sacrifice
• Support with one relevant professional membership a year

About EML

EML Payments is a global leader in the fintech space. Our mission is to create awesome, instant, and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Our Purpose is to inspire transformative digital change for our customers and communities. 

As an issuer and processor, we provide our clients and partners with innovative alternatives to traditional banking solutions for reloadable and non-reloadable programs.

Our commitment to Equal Employment Opportunity

Integrated into our Core Values is EML's commitment to diversity, equity and inclusion. EML is committed to being a globally inclusive company where all people are treated fairly, recognised for their individuality, promoted based on performance and empowered to reach their full potential. We are agile, we are innovative. We take a partnership approach; we tailor solutions and place a strong focus on operational excellence. Our place is one of collaboration, teamwork & innovation. But, above all, it’s one that embraces difference. And rather than have you blend in, we want to help you unleash your full potential. 

Disclaimer
Offers are conditional on satisfactory pre-employment background screening, which may include a criminal record check. Any disclosures are assessed fairly and in line with local law.