Team Lead – Transaction Monitoring

About the role

The Team Lead Transaction Monitoring will oversee the detection and investigation of suspicious activities, ensuring compliance with AML/CFT regulations and internal policies. This role combines leadership, analytical investigation, and system improvement within a banking environment.

Key responsibilities

• Review and investigate transaction monitoring alerts within defined TATs to identify AML/CFT, fraud, sanctions, and proliferation financing risks.
• Analyze customer transactions against risk profiles, source of funds, and expected activity, recommending actions such as EDD, STR filing, account restrictions, or escalation.
• Ensure compliance with SBP AML/CFT/CPF regulations, internal policies, and regulatory requirements through thorough investigations and documentation.
• Monitor and enhance transaction monitoring systems, scenarios, thresholds, and rules, including participation in UAT and system improvement initiatives.
• Supervise and mentor Transaction Monitoring Officers, conduct quality assurance reviews, and maintain productivity and investigation quality standards.
• Prepare MIS reports, dashboards, KPIs, and management reporting on alert trends, investigations, STRs/CTRs, and compliance performance.
• Collaborate with Compliance, Risk, Operations, IT, auditors, regulators, and business units while supporting training, audit remediation, and continuous process improvement.

Required profile

• Minimum graduation (Master's degree preferred).
• At least 5 years of relevant banking experience, preferably in Transaction Monitoring, AML/CFT Compliance, or Financial Crime Compliance.
• Sound knowledge of AML Act, SBP AML/CFT/CPF Regulations, FATF Recommendations, and regulatory reporting requirements.
• Strong understanding of transaction monitoring systems, AML/CFT applications, and alert management.
• Knowledge of suspicious transaction patterns, money‑laundering typologies, terrorist‑financing indicators, and financial‑crime risks.
• Excellent analytical, investigative, report‑writing, and problem‑solving abilities.

Required skills

• Microsoft Excel
• Microsoft Word
• Microsoft PowerPoint
• AML/CFT monitoring systems
• Transaction monitoring systems