Finmo’s cloud-native platform is designed to eliminate the complexities of global payments and financial operations. Our next-generation Treasury Operating System (TOS) empowers global enterprises to seamlessly collect funds, make payments, manage cash flow and liquidity, mitigate financial risks, and ensure compliance—all within a unified interface.

Our mission is to revolutionize treasury operations by simplifying payments, automating essential financial functions, and empowering businesses to transact using the most efficient methods that optimize speed, convenience, and cost-effectiveness.

Built upon real-time payment networks, Finmo facilitates instant fund transfers, precise cash flow forecasting, optimized liquidity management, robust financial risk mitigation, and effortless regulatory compliance. By integrating these critical functions into a single, innovative platform, Finmo sets a new benchmark for financial technology solutions, ensuring clients achieve financial stability and sustained success beyond traditional fund transfers.

Founded in 2021, Finmo is headquartered in Singapore, with additional offices in Australia and India, and plans for further global expansion. We are a venture-backed company, supported by prominent investors, including Quona Capital, PayPal Ventures, and Citi Ventures. Our founding team comprises seasoned payment professionals with over two decades of experience in building global payment infrastructures and companies.

At Finmo, we are committed to upholding core values such as transparency, integrity, effective communication, continuous learning, data-driven decision-making, and customer-centricity. We foster a culture that encourages thoughtful risk-taking and problem-solving, aiming to balance perfection with timely execution.

For more information, please visit our website at www.finmo.net

As the Senior Manager, Anti-Financial Crime Compliance (AFCC), you will be a key leader within the Global Risk and Compliance (GRC) team, responsible for overseeing and enhancing Finmo’s Financial Crime Compliance (FCC) Program. This role will focus on ensuring Finmo’s adherence to global Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF) obligations, sanctions, and fraud prevention regulations, with a focus on cross border and treasury operations.

Reporting to the Director of Compliance, you will drive the development and operationalization of financial crime compliance frameworks, working closely with cross-functional teams to embed compliance into Finmo’s products and services. You will play a crucial role in managing compliance screening, transaction monitoring, fraud detection, customer onboarding, digital asset transactions and regulatory reporting.

This position requires deep expertise in AML/CFT practices, experience working with financial regulators, merchants, third party payment and banking partners, and a strong understanding of emerging financial crime risks including but not limited to digital assets compliance in the fintech and payments ecosystem.

Most importantly, you will be passionate about compliance, with a drive to contribute to and enhance the strong compliance culture and operational excellence across the company.

Key Responsibilities

Financial Crime Compliance Program Development & Oversight

• Lead the design, maintenance and enhancement of Finmo’s Anti-Financial Crime Compliance (AFCC) framework, ensuring alignment with international regulatory requirements, including MAS (Singapore), AUSTRAC (Australia), FinCEN (U.S.), FCA (UK), and EU guidelines.

• Oversee the ongoing development and implementation of AML/CTF transaction monitoring, sanctions screening, and fraud detection systems for both fiat and digital assets.

• Ensure effective governance over Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Know Your Business (KYB), and risk-based monitoring programs.

• Optimize Finmo’s financial crime detection systems, including rule calibration, risk-based profiling, and AI-driven transaction monitoring enhancements.

Regulatory Compliance & Risk Assessment

• Assist with Enterprise-Wide Risk Assessments (EWRA), financial crime risk reviews, and control self-assessments, ensuring continuous monitoring of emerging risks.

• Act as the subject matter expert (SME) on AML/CFT regulations, advising senior leadership on financial crime risks associated with Finmo’s payment infrastructure and digital asset offerings.

• Stay ahead of regulatory developments and enforcement trends across key markets, ensuring Finmo’s financial crime compliance policies evolve in response to new risks and requirements.

Transaction Monitoring & Investigations

• Lead investigations into suspicious transactions, working closely with law enforcement agencies, financial intelligence units (FIUs), and regulatory bodies.

• Review and analyze transaction monitoring alerts, ensuring timely escalations and accurate regulatory filings, such as Suspicious Transaction Reports (STRs) and Suspicious Activity Reports (SARs).

• Oversee the screening of customers, transactions, and counterparties against global watchlists, including PEP (Politically Exposed Persons) screening, sanctions screening, and adverse media checks.

• Utilize blockchain analytics tools to monitor on-chain activity, assess financial crime risks, and mitigate fraud related to digital asset transactions.

Cross-Functional Collaboration & Compliance Integration

• Partner with Product, Engineering, and Operations teams to embed compliance-by-design principles into Finmo’s technology solutions.

• Provide compliance guidance on new product development, digital asset integrations, and cross-border payment services, ensuring regulatory alignment.

• Provide inputs on compliance training programs to enhance financial crime awareness across all levels of the organization.

Regulatory Engagement & Reporting

• Oversee regulatory reporting obligations, ensuring timely and accurate filings of STRs, SARs, and other AML-related reports.

• Support internal and external audits, ensuring effective preparation, coordination, and response to regulatory reviews. 

Required knowledge and experience

• 7+ years of experience in AML/CFT compliance, financial crime investigations, or regulatory risk management within fintech, payments, banking, or digital asset services.

• In-depth knowledge of global financial crime regulations, including AML/CTF, sanctions compliance, anti-fraud frameworks, and financial intelligence reporting.

• Familiar with digital assets, blockchain analytics, and crypto compliance, including experience using blockchain forensic tools such as Chainalysis, TRM Labs, or Elliptic.

• Experience leading transaction monitoring, screening, and financial crime risk assessments in a payments or digital asset environment.

• Hands-on experience working with cross-functional teams (Legal, Product, Engineering, Risk, and Operations) to integrate financial crime compliance into business processes.

• Strong leadership skills with the ability to mentor and develop compliance teams while fostering a culture of compliance and operational excellence.

• Excellent analytical, communication, and stakeholder management skills, with the ability to influence senior leadership and external regulators.

Preferred Qualifications

• Industry certifications such as ACAMS, ICA, OCEG (Governance, Risk & Compliance), or equivalent AML/CTF certifications.

• Experience with regulatory audits and FIU engagement in major jurisdictions such as Singapore (MAS), Australia (AUSTRAC), the U.S. (FinCEN), and the UK (FCA).

• Knowledge of fraud risk management, cybercrime prevention, and emerging financial crime trends in the digital economy.

• Project management expertise (PMP, Lean Six Sigma, or equivalent) is a plus