ABOUT TONIO

Tonio is a global fintech platform enabling secure, user-friendly international money transfers and cross-border payment solutions. Tonio serves both individuals and businesses, offering seamless financial solutions worldwide.
As a regulated financial services provider in the UK, Tonio adheres to the Financial Conduct Authority (FCA) guidelines, ensuring compliance with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations. The Transaction Screening Manager will play a pivotal role in maintaining and enhancing Tonio’s compliance framework.

SKILLS AND EXPERIENCE REQUIRED

• Minimum of 5 years’ experience in transaction monitoring, AML compliance, or financial crime prevention within the regulated fintech sector.
• Previous experience of working in money remittance, e-money or similar
• In-depth understanding of UK AML/CTF regulations, Money Laundering Regulations 2017, and the Proceeds of Crime Act 2002.
• Previous experience of managing internal and external SARs and dealing with the NCA effectively.
• Strong demonstrable experience with transaction monitoring systems and the ability to design and implement effective monitoring rules, as well as update them in line with regulatory changes, where required
• Strong experience of reviewing AML/CTF regulations and updating internal policies and monitoring rules accordingly to ensure ongoing compliance.
• Strong analytical and problem-solving abilities, with attention to detail in identifying and investigating suspicious activities, and managing the SARs process end-to-end
• Excellent verbal and written communication skills, capable of articulating complex compliance issues clearly and effectively.
• Professional certifications are advantageous but not essential
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• Develop, implement, and regularly update automated rules within the transaction monitoring system to detect and flag suspicious activities, aligning with FCA expectations for effective transaction monitoring.
• Oversee the end-to-end SAR process, ensuring timely identification, investigation, and reporting of suspicious transactions to the National Crime Agency (NCA), in compliance with the Proceeds of Crime Act 2002.
• Stay abreast of changes in AML/CTF regulations and update internal policies and monitoring rules accordingly to ensure ongoing compliance.
• Lead, mentor, and train junior transaction monitoring staff, fostering a culture of compliance and continuous improvement within the team.
• Work closely with the Head of Compliance and Money Laundering Reporting Officer (MLRO) to integrate relevant FCA, NCA, and HM Treasury regulatory updates into Tonio’s procedures.
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