Transaction Monitoring Team Lead

About the role

Mintos is a fintech building a platform for investing in income-generating assets, currently preparing to obtain a banking licence from the European Central Bank. As Transaction Monitoring Team Lead, you will lead a team of experienced analysts who review alerts and investigate unusual activity, helping ensure the AML/CTF framework meets today's regulatory expectations and the standards of a future bank. This is a hands-on leadership role combining expert judgement, people leadership and regulatory compliance.

Key responsibilities

• Lead the transaction monitoring process for Mintos clients, from alert review and investigation to escalation and reporting of suspicious activity, in full compliance with AML/CTF regulations.
• Own the quality, timeliness and consistency of alert handling and investigations across the team.
• Own the TM scenarios, rules and thresholds: tune and test them, and document the rationale so they stand up to regulator and audit scrutiny.
• Improve the efficiency, risk management and effectiveness of TM using technology, automation and AI-driven tools.
• Foster a culture of ownership, accountability and integrity, coaching and developing each analyst.
• Contribute to AML/CTF processes and controls beyond TM, including monitoring coverage for new products and payment types.
• Advise internal stakeholders on AML/CTF laws and regulatory requirements.

Required profile

• 4-5 years of experience in AML/CTF within finance or fintech, including hands-on transaction monitoring and team leadership.
• Deep knowledge of AML/CTF and sanctions frameworks, including typologies, red flags and suspicious activity reporting.
• Experience improving AML processes, ideally through technology, automation or AI-based tools.
• Analytical mindset, strong communication skills, and excellent written and spoken English; Latvian is an advantage.

Required skills

• Experience with TM systems and tuning and validating rules, scenarios and thresholds.
• Ability to explain complex topics simply and to work with data to support decisions.

What we offer

• Competitive salary and stock options.
• Flexibility, including up to 90 days a year working from another country with manager approval.
• Vacation beyond the legal minimum.
• Annual learning budget of €1,200.
• Well-equipped office with parking, showers, kitchen, massage chair and nap room.