Team Lead, Transaction Monitoring

Tranglo is seeking a highly motivated and experienced Transaction Monitoring Team Lead to oversee the day-to-day transaction monitoring operations across its global remittance business. This role is critical in safeguarding the organization from financial crime risks by ensuring timely and effective detection of suspicious activities, particularly within the cross-border payments landscape, where transaction flows span multiple jurisdictions, currencies, and regulatory regimes.

**Key Responsibilities**:
**Transaction Monitoring Operations**:

- Oversee daily monitoring and investigations of alerts triggered by the AML system for potential ML/TF or targeted financial sanctions (TFS) breaches.
- Ensure real-time and post-transaction monitoring of:

- Transactions flagged against sanction and watchlists
- Transactions breaching risk thresholds or monitoring rules
- Suspicious cross-border transactions involving high-risk corridors, entities, or typologies
- Manage alert clearance, case escalation, and suspicious transaction report (STR) preparation and submission.
- Ensure robust controls and surveillance are in place to **detect unusual patterns or red flags associated with cross-border remittance transactions**, including structuring, rapid movement of funds, layering, or usage of high-risk corridors.
- Collaborate with analytics and IT teams to **optimize rule parameters and detection logic tailored to cross-border use cases**, such as correspondent relationships, settlement models, or third-party disbursements.

**Process Improvement & System Enhancement**:

- Continuously enhance the transaction monitoring program and related SOPs to align with regulatory expectations and operational realities.
- Drive tuning of monitoring rules to reduce false positives while maintaining high detection effectiveness.
- Work with system enhancement team to incorporate new risk indicators, jurisdictions, or typologies into the monitoring platform

**Reporting & Regulatory Engagement**:

- Oversee preparation of periodic reports, including management information (MI), regulatory metrics, and internal dashboards on alert volumes, typologies, and STRs filed.
- Assist in regulatory inspections or internal audits related to transaction monitoring controls and cross-border payment surveillance.

**Stakeholder Engagement**:

- Liaise with internal departments (e.g., Operations, Technology, CDD, Legal) and external parties (e.g., corresponding parties, law enforcement, regulators) to support investigations and maintain strong AML controls.
- Participate in product development discussions to assess AML implications.
- Support AML training initiatives and foster a strong compliance culture across the organization.

**Qualifications & Requirements**:

- Bachelor's degree or equivalent in Finance, Business, or related field.
- 4-6 years of relevant experience in AML, transaction monitoring, fraud investigations, or financial crime compliance.
- Prior experience in leading or managing a team of AML analysts is essential.
- Professional certifications such as CAMS, ICA, or equivalent are highly desirable.
- Strong understanding of AML/CFT laws, regulations, and international standards (e.g., FATF).
- Familiarity with payment systems, emerging markets, high-risk industries, and correspondent banking is an advantage
- Deep knowledge of AML/CFT red flags, risk typologies, and transaction behavior analytics—especially in **cross-border payment ecosystems**.
- Strong investigative and analytical mindset with attention to detail.
- Effective communication and interpersonal skills across functions and cultures.
- Ability to work under pressure and manage competing priorities.
- Competence in using AML monitoring systems, data analytics tools, and case management platforms.

Location: Bangsar South, KL

Malaysian