What is our mission?:

Orbital is on an exciting mission to revolutionise global cross-border payments by innovatively combining traditional fiat banking rails with stablecoins over blockchain rails for a variety of use cases. Our class leading B2B payments platform offers multi-currency e-money accounts (corporate IBANs) combined with a suite of digital assets services. Our company sits at the frontier of payments & fintech, by intersecting blockchain and traditional (fiat) financial services, and is leading the way to bridging those two worlds for corporate enterprises globally. 

We believe blockchain technology is firmly here to stay, and we want to be the first to bring a combined offering of fiat & crypto payment services under one exciting platform. Learn more about our team and company story here.

What is the purpose of this role in the delivery of our mission? 

As a Transaction Monitoring Lead, you will play a vital role in protecting the integrity of our payments platform by identifying and investigating suspicious activities across fiat and cryptocurrency transactions. Your work will ensure we meet regulatory obligations, prevent financial crime, and support our company’s mission to maintain a secure and trusted environment for our customers and partners.

What are the key responsibilities of the role: 

• Team management: You will make sure that all shifts are covered and overtime is logged correctly. 

• Training of new employees: You will assist in training of new employees who work on transaction monitoring tasks as well as help other workers of the company navigate risk affected payments and tools. 

• Transaction Monitoring: Conduct daily monitoring and review of fiat and cryptocurrency transactions to detect unusual or potentially suspicious activity in accordance with internal policies and regulatory requirements.

• Alert Investigation: Investigate transaction monitoring alerts by analysing transactional behaviour, assessing patterns, and determining the legitimacy of flagged activities.

• Suspicious Activity Reporting: Escalate findings and prepare detailed reports, including Suspicious Activity Reports (SARs), ensuring all documentation is accurate and submitted within required timeframes.

• Data Analysis: Analyse transaction data to identify emerging trends, typologies, or unusual patterns that could indicate potential financial crime, including money laundering or fraud.

• Merchant & Customer Review: Conduct reviews of new and existing customers, including merchants, as part of ongoing monitoring efforts; assess transactional behaviour and evaluate financial documentation when necessary.

• System Feedback & Optimization: Contribute to the development and enhancement of transaction monitoring systems by providing feedback on alert quality, system performance, and emerging risks.

• Cross-Team Collaboration: Collaborate with compliance, and MLROs to support investigations, share findings, and ensure a unified approach to identifying and mitigating transaction-related risks.

• Industry and Regulatory Awareness: Stay informed about regulatory updates, financial crime trends, and best practices in transaction monitoring across fiat and cryptocurrency sectors.

• Record Keeping: Maintain detailed, accurate records of investigations, escalations, and decisions in line with internal procedures and regulatory expectations.

• Ad-hoc Support: Provide additional support to the compliance team as needed, including participating in special investigations or project work.

What is the scope of accountability for the role:

• Institutionalize Key Risk Indications (KRI) and Key Performance Indicators (KPI) framework for business. 

• Analyze root cause analysis and assist in the development and completion of risk mitigation strategies. 

• Monitor, Review and communicate the impact of risk profile of future initiatives

What are the essential skills, qualifications and experience required for the role? 

• You hold a tertiary education degree

• You have at least 2+ years of professional experience in a similar role, preferably with Banking and FinTech Industries and experience in merchant underwriting and risk with a merchant processor/acquirer, payment facilitator, SaaS provider or fintech company.

• You have a solid understanding of the process, risk, and control design concepts and governance from operational risk management or audit perspective.

• You have an understanding of know-your-customer (KYC) requirements, tools and best practices.

• You have knowledge of both consumer (B2C) and commercial (B2B) payments.

What are the desirable skills, qualifications and experience that would be beneficial for the role?

• At least a flawless English language ability with outstanding communication & presentation skills.

• A strong problem-solving skills and willingness to roll up your sleeves.

• A positive and flexible attitude to work, particularly with new initiatives.

• A strong analytical skill, attention to detail, highly organised.

• Empathetic to the needs and challenges of our merchants.

• Decisive, yet open to continual learning.

• Comfortable interacting directly with our merchants and payment processing partners.

• Strong at time management, able to multitask and prioritise tasks appropriately.

• At least familiar with data query languages, such as SQL or similar.

• Experience of Fintech industry