Head of Compliance Operations

TransferGo is a growing fintech scale-up on a mission to make the world a fairer place for migrants. We strive to provide tailored, more affordable financial services that make people's hard-earned money go further. Now in our 13th year, with close to 400 employees in offices across Europe and the UK, we’re crafting a brilliant, relevant product that makes a difference in people's lives and the well-being of their families. 

We’ve come this far by building a talented, diverse workforce on a fair culture and our strong values. Having this strong team of employees, we can serve those who really need our product to make their lives better. 

About the team: Our Operations Compliance team is at the heart of ensuring our customers — both private and business — enjoy a safe, secure, and seamless experience while we meet the highest regulatory standards. We manage AML/CFT compliance, customer risk prevention, and fraud mitigation across the full customer lifecycle: onboarding, ongoing due diligence, offboarding, and beyond.

Key collaborators: You’ll work closely with our Regulator Compliance function, MLRO Officer, Product teams, and cross-functional leaders.

What You’ll Do

This is a high-impact leadership role where you’ll shape how compliance is executed operationally, balancing regulatory demands with efficiency and customer experience. You’ll have direct visibility with senior stakeholders, influence strategic decision-making, and lead an expert team to deliver excellence in a fast-growing, forward-thinking fintech environment.

As Head of Compliance Operations, you will:

• Lead, mentor, and develop the AML compliance and fraud risk team to deliver on operational excellence and regulatory obligations.
• Organize and oversee AML/CFT and general compliance activities related to customer risk management — from onboarding to ongoing due diligence, triggering events, and offboarding.
• Monitor customer behaviour for suspicious activity or potential fraud, ensuring timely and appropriate action.
• Translate new regulations and MLRO policies into actionable procedures, ensuring your team is equipped to comply and operate effectively.
• Streamline processes to improve customer experience while minimising risk.
• Partner with cross-functional teams to embed compliance risk prevention measures into new products and services from the design stage.
• Report on customer risk metrics, trends, and incidents to senior management and regulators.
• Apply workforce management standards for efficient operations.
• Contribute to training programs that raise awareness of risk prevention best practices.

What You’ll Bring

• Proven experience (5+ years) in AML and/or fraud risk management, compliance, or related roles within the fintech or financial services industry.
• Strong understanding of AML and fraud typologies, detection techniques, regulatory requirements, and industry best practices.
• Proficiency in data analysis tools and techniques, with the ability to interpret complex datasets and identify patterns indicative of fraudulent activity.
• Excellent communication and interpersonal skills, with the ability to collaborate effectively across different teams and levels of the organization.
• Strong problem-solving skills and attention to detail, with the ability to analyze complex situations and develop practical solutions.
• Ability to work under pressure in a fast-paced environment and adapt to changing priorities and requirements.
• Experience handling complex money laundering, terrorist financing, consumer fraud cases in digital banking or money remittance and being able to provide necessary guidance to the operational teams.

What we believe
At TransferGo, we offer competitive rewards to all people. We know that recognition is about more than just money, and we’ve fostered a culture of kudos to shine a light on the great work throughout the business, and the people making it all happen. We hold regular in-person events to connect with each other and help all our TransferNauts to grow with a generous training allowance. We believe that empowering people makes for a happier and more effective workforce. This means we enable anyone who wants to pursue initiatives that deliver real value for our migrant customers.

What We Offer:

• Competitive Salary: Starting from €5833 - €8050 (gross) per month, depending on experience
• Comprehensive Benefits: Including a generous holiday allowance, competitive healthcare insurance, and a wellbeing package from day one
• Annual Development Budget: €1,000 to invest in your personal and professional growth
• Hybrid Working Environment: Flexibility to work from home and in the office, with most team members in the office 2 days a week
• Pet-Friendly Office: If you’re near one of our offices, bring your furry friend along!
• Inclusive Culture: Regular in-person events, fostering a strong sense of community and collaboration
• Empowerment and Ownership: We believe in empowering our people to take initiative and drive meaningful change

At TransferGo, we are committed to the equal treatment of all current and prospective employees. We will not tolerate discrimination on the basis of age, disability, sex, sexual orientation, pregnancy and maternity, race or ethnicity, religion or belief, gender identity,  marriage, civil partnership or any other protected category. We are proud of our diverse and inclusive culture and we strongly encourage suitably qualified applicants from a wide range of backgrounds to apply and join TransferGo. We look forward to meeting you!

Please note that all data collected will be handled in accordance with our candidates privacy policy (https://www.transfergo.com/privacy-policy/overview) and will only be used for the purpose of evaluating your candidacy. The data will be securely stored and deleted according to retention timeframe set in the candidates privacy policy. If you have any questions or concerns regarding this, please feel free to reach out by replying or via dpo@transfergo.com