Financial Crime

**About the Role**:
As Zai’s next **Financial Crime Fraud Manager (Level 3 - MLRO / AML Compliance Officer)**, you’ll be our in-house detective, data wrangler, and compliance crusader, all rolled into one. You'll keep us ahead of the curve by monitoring customer activity, identifying financial crime risks, and ensuring our AML/CTF program operates seamlessly and effectively.

Reporting directly to the Chief Risk Officer, you'll play a pivotal role in guiding Zai through the evolving regulatory landscape. Working closely with the CRO and wider Compliance squad, you'll be keeping Zai safe, compliant, and future-ready. This role is a solo mission, no direct reports, just a whole lot of impact.

**Why Zai?**:
Zai is a leading payment platform provider, backed by a global banking powerhouse, **Standard Chartered**. Zai is a pioneer in real-time payments. We were the first non-bank to connect merchants to the NPP and have been powering large scale payment solutions for over a decade.

Processing **billions of dollars in monthly payment volume**, we're scaling fast and we’re just getting started. As we grow, we’re looking for sharp minds to join our Risk Compliance team in a hybrid role based out of Melbourne HQ.

**What You’ll Be Doing**:
Making a lasting Impact:

- ** Be a data detective**: Analyse transactions and user activity to detect suspicious patterns linked to money laundering, fraud or financial crime.
- ** Be our compliance champion**: Monitor customer activity, report suspicious activity, and ensure compliance with AML/CTF regulations.
- ** Work like Sherlock**: Investigate alerts, assess incidents, and determine if escalation is needed and dig deep to uncover the real story behind the risks.
- ** Collaborate like a boss**: Team up with Risk, Tech, and other business units to create a unified approach to managing financial crime risks.
- ** Shape the future**: Contribute to the launch of new products, features, and market expansions by making sure innovation stays compliant from day one.
- ** Lead the framework**:Maintain and evolve our AML/CTF compliance program, including ongoing merchant monitoring and onboarding reviews aligned with banking partner requirements.
- ** Be the go-to**: Act as the primary contact for compliance related queries, resolving issues collaboratively across the business.
- ** Run the risk radar**: Conduct risk assessments across first-line functions and recommend preventative and remedial actions to mitigate fraud and AML/CTF breaches.
- ** Nail the audits**: Prepare for and manage audits and regulatory reviews ensuring we stay sharp, transparent, and review ready.
- ** Own the risk lens**: Partner with the CRO to maintain and evolve Zai’s risk based approach for AML, covering customers, products, and services.

**What We are Looking For?**:

- 3+ years of experience in a Financial Crime role, ideally within a payments or fintech environment
- Proven anti-fraud focus and strong understanding of AML/CTF frameworks
- Solid command of SQL and Excel for data analysis and rule-building
- Exceptional communication skills, you can translate risk into clear, actionable language
- Able to execute and deliver to a high level of quality and within required timeframes
- Exceptional communication skills with the ability to influence and engage others through clear, logical, and well reasoned arguments.
- Experience with facilitating Fraud Prevention or Transformation projects would be highly regarded
- Highly organised, with strong time and project management skills
- Comfortable challenging the status quo and driving change

Bonus points if you:

- Have experience working in a startup or scale-up
- Are deeply familiar with AML/CTF regulations and best practices.
- Know your way around Tableau, PowerBI, R, SAS, Python, or similar tools

**Perks**:

- Competitive salary package and benefits
- ️ 5 weeks of annual leave as standard
- 12 weeks paid parental leave
- Once-off working from home allowance
- Salary sacrificing options
- Work remotely from anywhere in the world for 4 weeks every year
- An innovative, inclusive, and collaborative team culture
- A beautiful CBD office (opposite Southern Cross Station)- ️ A flexible, fun work environment where you’ll learn every day

We're looking for someone with a sharp mind, a keen eye for detail, and a passion for keeping things secure. If you're ready to join the fight against financial crime and make a real impact we want to hear from you.

**Equal Opportunity at Zai**: