Senior Financial Crime Operations Manager

Role Title: Senior Financial Crime Operations ManagerReports to: Head of Fraud and Head of Financial Crime Operations Location: SofiaJob Type: Full Time Permanent About EMLEML Payments is a global leader in the fintech space. Our mission is to create awesome, instant, and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Our Purpose is to inspire transformative digital change for our customers and communities. As an issuer and processor, we provide our clients and partners with innovative alternatives to traditional banking solutions for reloadable and non-reloadable programs. We are agile, we are innovative. We take a partnership approach; we tailor solutions and place a strong focus on operational excellence. Our place is one of collaboration, teamwork & innovation. But, above all, it’s one that embraces difference. And rather than have you blend in, we want to help you unleash your full potential. The team you’ll be joining Every day, our team tackles some of the most complex and evolving threats related to money laundering, fraud, terrorist financing and sanctions. We operate at speed and scale, monitoring transactions, investigating suspicious patterns and safeguarding our customers, EML and the global financial system. This isn’t your average operations team. We are global in scope with specialists in data analytics, investigations, fraud and anti-money laundering. We collaborate with law enforcement, distributors and internal business units to ensure every risk is assessed and our customers are protected. Operating across multiple jurisdictions, the department works closely with Compliance, Technology, Customers and Commercial teams to own and manage financial crime risk in the first line of defence (1LOD). The RoleAs a Senior Financial Crime Operations Manager, you will lead a high-performing team responsible for end-to-end management of fraud, anti-money laundering (AML) transaction monitoring and chargeback processes. You will bring operational excellence to ensure robust controls, drive continuous improvement and maintain regulatory compliance across multiple jurisdictions. What you’ll doLead, manage and mentor a team of analysts conducting fraud, AML transaction monitoring and chargeback processing for several regulated entities across EML. Establish clear performance goals, conduct regular 1:1s and oversee training and development programs. Allocate resources to effectively balance workload across the various functions under your management. Monitor case aging and resolution to ensure SLAs are met and backlogs are actively avoided. Ensure consistent quality in case documentation, evidence gathering and decision rationale. Handle complex case escalations from team members and work with payment schemes on large scale fraud cases. Speak to customers to proactively resolve fraud and chargeback cases in a timely manner. Prepare and deliver management and regulatory reports on workload, case quality and case outcomes. Drive enhancements to detection rules, scoring models and automated workflows in fraud, AML and chargeback platforms. What you’ll bringExperience leading or supervising a team conducting AML, fraud and chargeback processes in an operational, 1LOD environment. Knowledge of ecommerce fraud, card-not-present fraud and friendly fraud on card payment products. Solid understanding of chargeback rules, payment schemes (Visa, Mastercard and Discover).Good understanding of regulatory expectations around AML, sanctions and financial crime in an international setting. Strong analytical and investigative skills with a good attention to detail. Ability to identify suspicious activity and make sound, risk-based decisions. Excellent written and verbal communication skills for clear case documentation and escalation.The ability to think independently with the confidence to make decisions and recommendations on fraud and chargeback cases.Excellent attention to detail, organisation skills and the ability to manage multiple priorities in a fast-paced environment. Familiar with financial crime tools and platforms such as Threat Metrix and Featurespace. An enthusiastic self-starter who is proactive, collaborative and open to change. What you will be offeredAdd benefits depending on location using the Advert benefit list Company Culture and Values Our place is one of collaboration, teamwork & innovation. But, above all, it’s one that embraces difference. And rather than have you blend in, we want to help you unleash your full potential. Company Structure EML is an ASX listed company head quartered in Brisbane, Australia, with approximately 480 employees throughout Australia, Europe, the UK, and America. EEO Statement Integrated into our Core Values is EML's commitment to diversity and inclusion. EML is committed to being a globally inclusive company where all people are treated fairly, recognised for their individuality, promoted based on performance and encouraged to strive to reach their full potential. We believe in understanding and respecting differences. This concept encompasses but is not limited to human differences with regard to race, ethnicity, religion, gender, culture, and physical ability. Every individual at EML has an ongoing responsibility to respect and support a globally diverse environment.