AML Ops Lead - Transaction Monitoring

RightCard Payments Limited

Job Overview

Location

Nigeria

Job Type

Full-time

Full Job Description

📋 Description

• Lead, coach, and develop a team of AML analysts by providing regular feedback, tailored coaching, and early performance support.
• 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.
• 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.
• Proactively identify issues and inefficiencies in processes and drive solutions through a mix of partnerships, technology, process, and procedure changes.
• 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.
• Partner with compliance on complex or high-risk cases and represent the team's findings clearly when escalating to senior stakeholders.
• 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.
• Flag control weaknesses, high-risk cases, or tooling/process issues to leadership promptly and clearly, following agreed protocols.
• Minimum 4-6 years of total AML or Compliance operations experience
• Hands-on experience in AML transaction monitoring or financial crime investigations in a remittance, payments or remittance-adjacent environment, with direct exposure to high-volume alert queues.
• Proven track record leading or supervising a team of analysts, with clear examples of coaching people through performance challenges, not just managing output.
• Working knowledge of OFAC, FCA and FINTRAC regulations and the ability to make defensible, risk-based decisions under each framework.
• Adaptability to global operational needs and ability to work in a rapidly changing business and regulatory environment.
• Experience identifying and fixing operational inefficiencies, whether through better workflows, smarter tooling or changed team habits.
• Strong written communication skills for internal escalations, audit responses and regulatory documentation.
• Strong stakeholder management and communication skills with the ability to engage senior stakeholders confidently, including in difficult conversations
• Experience across multiple product types (remittance, credit, savings or multi-currency accounts) within the same compliance function.
• Familiarity with AI-assisted transaction monitoring tools or case management platforms.
• A relevant professional qualification such as CAMS, ICA Diploma or equivalent.
• Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this.
• At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact.
• Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded.
• Join us to make a meaningful difference, where high performance is a lifeline for millions.
• You can connect with us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android.

🎯 Requirements

• Minimum 4-6 years of total AML or Compliance operations experience
• Hands-on experience in AML transaction monitoring or financial crime investigations in a remittance, payments or remittance-adjacent environment, with direct exposure to high-volume alert queues.
• Proven track record leading or supervising a team of analysts, with clear examples of coaching people through performance challenges, not just managing output.

🏖️ Benefits

• Opportunity to make a meaningful difference in the lives of millions of people
• Collaborative culture where knowledge is shared, issues are escalated early, and continuous learning is encouraged.
• Strong written communication skills for internal escalations, audit responses and regulatory documentation.
• Strong stakeholder management and communication skills with the ability to engage senior stakeholders confidently, including in difficult conversations

Skills & Technologies

Android

Senior

Onsite

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RightCard Payments Limited

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About RightCard Payments Limited

RightCard Payments Limited operates Lemfi, a digital remittance platform enabling immigrants in the UK, Europe, Canada and the US to send money to Africa, Asia and Latin America quickly and at low cost through mobile apps and local payout networks.

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