Senior Anti-Money Laundering & Fraud Risk Lead – Data-Driven Financial Crime Prevention

Senior AML & Fraud Risk Lead – Data-Driven Financial Crime Prevention📍 Utrecht, Netherlands (Hybrid)💰 Competitive salary💼 Permanent position🌍 EU-based candidates only - Does not sponsor visaAbout the CompanyThis innovative financial technology organisation provides secure, real-time payment verification solutions trusted by major European banks and financial institutions. Their mission is to make digital transactions safer, faster, and more transparent, preventing fraud before it happens.As the company scales across Europe, it is investing in next-generation financial crime prevention and risk intelligence. To lead this growth, they’re seeking a seasoned professional who can combine strategic AML expertise with hands-on data analysis to develop smarter, data-driven fraud detection frameworks.About the RoleAs Senior AML & Fraud Risk Lead, you’ll be responsible for designing, implementing, and continuously improving the organisation’s financial crime prevention ecosystem. You’ll work across compliance, risk, and technology teams to integrate KYC, onboarding, and fraud detection into a unified approach that enhances trust without compromising agility. This is a leadership role for someone who thrives on building frameworks from scratch, using data to guide decision-making, and bridging strategy with execution.Key ResponsibilitiesDevelop and execute a comprehensive AML and fraud risk strategy aligned with company growth and regulatory requirements. Define and enhance KYC and digital onboarding processes, ensuring compliance while optimising user verification flows. Build, monitor, and refine fraud detection rules and transaction monitoring models. Analyse behavioural, transactional, and operational data to detect anomalies and emerging fraud trends. Strengthen the Risk Control Framework and ensure adherence to Wwft, FATF, and DNB standards. Collaborate with engineers and data teams to embed fraud and AML logic into core systems and platforms. Liaise with regulatory authorities and prepare clear, data-backed risk reports. Mentor analysts and support the development of a data-informed risk culture.Requirements5–8 years of experience in AML, fraud, or financial crime prevention within fintech, payments, or regulated financial services.Proven experience in building or improving AML/Fraud frameworks, including KYC, onboarding, and identity verification flows.Strong understanding of digital identity verification systems and eKYC solutions.Skilled in data analysis - proficient with SQL, BI dashboards (Looker, Power BI), or analytical tools.Deep knowledge of fraud typologies, transaction monitoring systems, and control frameworks.Excellent communication and stakeholder management skills. Comfortable bridging compliance and technical domains.Full professional proficiency in English; Dutch is an advantage.Preferred ExperienceBackground in integrated risk or enterprise risk management.Experience with automation, rule-based detection, and real-time alert systems.Familiarity with KYC vendors, onboarding API integrations, or identity verification platforms.Knowledge of Python or other scripting tools for investigative analysis.Why This Role MattersThis is a cornerstone role for someone who wants to shape the future of digital trust, combining compliance rigour with innovation. You’ll design how financial integrity, fraud prevention, and digital onboarding work together in a fast-moving, data-driven payments environment.