Senior Internal Audit Manager – Compliance, Fraud & AML​/CFT

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Senior Internal Audit Manager – Compliance, Fraud & AML/CFT

Ebury Madrid Office
- Hybrid: 4 days in the office, 1 day working from home per week

Role Overview

The Senior
Audit Manager – Compliance, Fraud & Financial Crime (AML/CFT) is a subject matter expert responsible for delivering independent, objective 3rd Line of Defense assurance over regulatory compliance, fraud risk management, and financial crime frameworks.

This profile requires a seasoned assurance professional with deep technical expertise in anti-money laundering (AML), counter-terrorist financing (CFT), sanctions, fraud prevention and detection, customer due diligence (CDD/EDD), transaction monitoring, and regulatory reporting across cross-border financial services, payment institutions, and banking environments.

Qualification Area

Ideal Candidate Specification

Experience Level

5+ years in Internal Audit, 2nd Line Compliance Assurance, or Big 4 Risk Advisory

Core Qualifications

CAMS / CISA / ICA Diploma in Financial Crime Governance / ACA or CIA

Industry Focus

Payment Institutions, Electronic Money Institutions (EMIs), Fintech platforms, Financial Institutions.

Regulatory Familiarity

EU AML Directives (AMLD), FATF Standards

Job Purpose

The Senior
Audit Manager – Compliance, Fraud & Financial Crime (AML/CFT) plays a pivotal role in providing assurance on the integrity and compliance of the organization’s control framework. The primary mission is to evaluate the adequacy, efficiency, and compliance of the internal control framework for Financial Crime Compliance (FCC) and Fraud Risk Management across all business units and international branches.

The role involves managing end-to-end audit life cycles, evaluating regulatory compliance risks, conducting root-cause analysis on control gaps, and ensuring robust follow-up of managerial remediation commitments.

Key Responsibilities

• Lead and execute complex thematic and branch-level AML/CFT audit engagements in accordance with international internal audit standards (IIA) and regulatory expectations.
• Prepare comprehensive Terms of Reference (ToR) defining audit scopes, objectives, resource allocations, and fieldwork testing timelines.
• Perform risk-based testing across key financial crime and fraud domains, including Customer Due Diligence (CDD/SDD/EDD), Ultimate Beneficial Owner (UBO) identification, Politically Exposed Persons (PEPs) management, Sanctions screening, internal and external fraud prevention controls, and Transaction Monitoring alert handling.
• Evaluate the alignment between local operational practices and group-wide financial crime policies.

• Assess the design and implementation of Business-Wide Risk Assessments (BWRA) and Overall Risk Assessments (ORA).
• Review regulatory reporting processes to local Financial Intelligence Units (FIUs) / Money Laundering Reporting Officers (MLROs) to ensure accuracy, completeness, and timeliness.
• Monitor and evaluate remediation actions stemming from past internal audit findings, external reviews, and supervisory inspections.
• Participate as an independent assurance representative in key risk and compliance steering committees.

• Draft clear, concise, and impact-oriented internal audit reports containing…