Senior Transaction Monitoring Associate

At Verto, we're on a mission to democratise global finance and empower businesses in Emerging Markets to reach the world. Founded by British-Nigerian entrepreneurs Ola Oyetayo and Anthony Oduu, our roots in Africa provided a firsthand understanding of the significant challenges businesses face with cross-border payments, ranging from illiquid currencies and high fees to slow transactions. This deep-rooted insight is why Africa remains a core focus, as we're committed to bridging the gap between emerging and developed markets and fostering global economic growth.

What started as an FX solution for the Nigerian Naira has evolved into a market-leading platform, enabling thousands of businesses to seamlessly transfer billions of dollars annually. We believe that where you do business shouldn’t determine your success or ability to scale. We're creating equal access to the easy payment and liquidity solutions that are already a given in developed markets.

We're not alone in realising this crucial need; we're backed by world-class investors including Y-Combinator, Quona, and MEVP. With Verto receiving the Milken-Motsepe Prize, appearing on CNBCs list of fastest growing UK companies, the Deloitte Fast 50 and Sifted’s fastest-growing UK tech companies, we are building a seamless cross-border payment future.

Join us as we continue to grow and transform global finance.

We are seeking a driven and results-oriented Senior Transaction Monitoring Associate to tackle financial crime and fraud prevention in global payment systems, with a specific focus B2B in emerging markets.

This is your chance to play a leading role in our Transaction Monitoring team, moving beyond purely “review” type activity to become a key contributor to how we manage our client’s risk and their experience. You will help drive innovation, lead high risk investigations and ensure Verto has the right tools to detect money laundering, terrorist financing, fraud and market abuse. We are looking for a builder, not just an operator. If you thrive on autonomy, fast-paced delivery, and want to be part of a rapidly scaling Fintech, this is the role for you.

• Architecting the Roadmap: Supporting the design, build, and enhancement of the Transaction Monitoring (incl. Fraud) capability, ensuring delivery aligns with Verto’s aggressive growth trajectory.

• Mastering the Tools: Acting as a key calibrator of our advanced TM and fraud tools. Your technical proficiency will reduce false positives while ensuring no major incidents slip through.

• Elite Investigations: Leading complex, high-stakes payment investigations and serving as the primary liaison with law enforcement and external partners to ensure recovery and accountability.

• Deputy Team Lead: Deputise as the technical mentor and lead, leveling up your teammates' skills and serving as the 'North Star' for complex decision-making across the global monitoring team.

• Acting as Risk Owner: Serving as the dedicated Risk Owner for our scaling products (incl. Cards and Pay-By-Link), optimising security while ensuring seamless client adoption.

• Partnering with Product: Collaborating directly with the Product team to design and embed "security-by-design" features, making risk management a core function of our platform.

• Driving Intelligence: Constantly monitoring industry best practices and emerging trends to keep Verto two steps ahead of bad actors.

• Owning Card Risk: Taking ownership of the chargeback management lifecycle, analysing trends, defending submissions, and managing Visa/Mastercard alerts.

• 3 - 6 years within a Transaction Monitoring function, with specific experience of managing junior team members.

• Experience gained in a high-growth FinTech or payments environment is preferred.

• A proven track record of building or enhancing a Transaction Monitoring function (not just operating within one).

• Strong knowledge of fraud risk management and an understanding of managing a chargeback process.

• An investigative mindset with experience liaising with law enforcement or external partners.

• Strong analytical skills, with the ability to analyse large datasets to identify patterns and trends.

• A collaborative spirit with the ability to influence non-technical partners (Sales, Product) on complex risk issues.

• Some data analytics experience is preferred.

• A growth mindset and desire to work independently to deliver results fast.

• Love asking “why?”

• Value solving problems over just completing tasks

• Understand sync vs. async communication practices

• Thrive in ambiguity and change

• Actively seek feedback

• Prioritise impact over activity

• Are fun to work with - we love good humour!

• Mission-Driven Impact Work: Be at the forefront of simplifying cross-border payments, directly contributing to a borderless future for global businesses, particularly in emerging markets.

• High Performance & Ownership: We empower you to take risks, be results-driven, and take ownership. Act fast, deliver impactful results, and make the impossible possible. We set you up for success.

• Collaborative & Supportive Environment: We work "as one," sharing successes and failures openly. We foster a transparent, supportive atmosphere where everyone does their best. A community of colleagues from varied backgrounds, who care deeply about their craft, collaborate with purpose, and enjoy the journey together.

• Industry Competitive Compensation & Benefits: We compensate our employees in recognition of the great value they bring to the business; our compensation and benefits package are competitive in the industry across all our geographies. This includes performance based salary reviews, comprehensive health and wellness benefits, generous paid time off and flexible working arrangements to support your career and life.

• Our Core Values: Our core values mirror the focus we have, energy we bring to work and shared expectations within the team.

  • Champion the Mission: We are driven by curiosity and belief to solve cross-border payments pain points globally.

  • Be the Best: We are open, take appropriate risks, adopt a results-driven approach, and are the best at what we do.

  • Work as One: We are transparent with sharing failures and mistakes as well as successes.

  • Go the Extra Mile: We deliver beyond what is possible. We make impossible possible.

  • Customer First: We are creative in solving existing problems and bold in designing a new and better experience for customers.

  • Run with It: We are determined, seek challenges, take ownership of tasks, act fast and deliver results.

Verto is an equal opportunities employer and we value diversity. Anyone seeking employment at Verto is considered based on Merit, Competence, Qualifications and their Talent. We are proud to be a truly international team and we do not discriminate in our hiring process.