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: 

• Work closely with compliance teams, including Money Laundering Reporting Officers (MLROs), to support investigations and ensure a consistent approach to risk identification and mitigation.

• Perform daily reviews of both fiat and cryptocurrency transactions to identify unusual or potentially suspicious activity, in line with internal policies and applicable regulatory requirements.

• Analyse transaction monitoring alerts by reviewing behavioural patterns and transactional data to assess the legitimacy of flagged activities.
  
  

• Escalate and document findings appropriately, preparing comprehensive Suspicious Activity Reports (SARs) and ensuring timely and accurate submission in accordance with regulatory standards.
  
  

• Examine transaction data to identify emerging trends, typologies, and anomalies that may indicate financial crime such as money laundering or fraud.
  
  

• Conduct due diligence on new and existing customers, including merchants, as part of ongoing monitoring. Evaluate transactional behaviour and financial documentation when required.
  
  

• Provide feedback to improve the performance and effectiveness of transaction monitoring systems, including the quality of alerts and identification of emerging risk areas.
  
  

• Ensure adequate shift coverage and accurate logging of overtime across the team to maintain operational efficiency.
  
  

• Support the onboarding and training of new team members involved in transaction monitoring activities. Provide guidance to employees across the company on navigating risk-impacted payments and using relevant tools.
  
  

• Stay up to date with relevant regulations, industry trends, and evolving financial crime risks within both fiat and crypto environments.
  
  

• Maintain clear and accurate records of investigations, escalations, and decisions in compliance with internal policies and regulatory requirements.
  
  

• Assist the compliance team with special projects, investigations, or additional tasks as required.

What is the scope of accountability for the role:

The Transaction Monitoring Lead will build and manage a clear framework for tracking key risk and performance indicators. They will investigate root causes of risk issues and help shape practical solutions. The role also includes monitoring the impact of upcoming initiatives on the company’s risk profile and sharing insights with key stakeholders to guide smart decisions.

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

• Degree educated or equivalent in a relevant field.
  
  

• Minimum of 2 years of experience in a similar role, ideally within banking or fintech. Background in merchant underwriting and risk, particularly with a merchant processor, acquirer, payment facilitator, SaaS provider, or fintech company, is strongly preferred.
  
  

• Strong understanding of operational risk management or audit practices, including process analysis, risk assessment, control design, and governance principles.
  
  

• Familiarity with know your customer (KYC) requirements, tools, and industry best practices.
  
  

• Working knowledge of both consumer (B2C) and commercial (B2B) payment systems and processes.

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

• Exceptional command of the English language, with excellent communication and presentation skills
  
  

• Strong problem-solving abilities with a hands-on, proactive approach
  
  

• Positive, adaptable attitude, especially when working on new or evolving initiatives
  
  

• Highly analytical and detail-oriented, with strong organisational skills
  
  

• Empathetic and customer-focused, with an understanding of the needs and challenges faced by merchants
  
  

• Confident decision-maker with a growth mindset and openness to continuous learning
  
  

• Comfortable engaging directly with merchants and external payment partners
  
  

• Effective time management skills, with the ability to multitask and prioritise effectively in a dynamic environment
  
  

• Familiarity with data query languages such as SQL or similar tools
  
  

• Experience in the fintech industry, ideally in a fast-paced or high-growth environment