Products Specialist

Join us as a Payments Products Specialist, where you will be a payments product expert with a focus on Global Transaction Banking to sit within the Financial Crime Advisory team and provide specialist advice on wire transfer and payment products. The role will act as the advisory bridge between Payments Product, Coverage, Technology, Operations, Compliance, Legal, Risk and Financial Crime teams, ensuring that payment products, change initiatives and client propositions are designed, assessed, and delivered with appropriate consideration of financial crime, sanctions, regulatory, operational, and reputational risk.

The successful candidate will bring deep knowledge of domestic and cross-border payments, SWIFT, ISO 20022, correspondent banking, payment transparency, and emerging payment risks, and will be able to provide practical, risk-based advice that supports safe growth, effective governance, and client outcomes. This role is suited to an experienced payments product expert who wants to operate within a Financial Crime Advisory team, using deep product knowledge to advise, challenge and support the business on wire transfer and payment products.

The successful candidate will combine technical payments expertise with strong financial crime judgement and the ability to provide practical, proportionate, and commercially aware advice across product governance, change, and risk management activity. To thrive in this role you will have payments product expertise, financial crime advisory judgement, regulatory awareness, commercial pragmatism, constructive challenge, stakeholder influence, clear communication, and strong control mindset.

Key Responsibilities include:

• Act as the financial crime risk product expert for wire transfers and payments within Financial Crime Advisory, advising on product design, new product approvals, product enhancements, strategic change, and decommissioning activity.
• Provide practical advice on financial crime, sanctions, and regulatory considerations across payment products, including Wire Transfer Regulations, payment transparency, UK Money Laundering Regulations, FATF Recommendation 16, correspondent banking obligations, and cross-border payment risks.
• Challenge and support risk assessments for payment products, channels, jurisdictions, third-party integrations, and transformation initiatives, ensuring appropriate controls are considered across screening, monitoring, due diligence, data quality, and payment transparency.
• Represent Financial Crime Advisory in product governance forums, payment risk discussions, and strategic change programmes, providing clear advisory input, constructive challenge, and senior management‑ready updates.
• Partner with Product, Technology, Operations, Compliance, Legal, Risk and Financial Crime teams to ensure payment products are commercially viable, operationally deliverable and aligned to policy, regulatory and control expectations.
• Support capability building by translating complex payment product and financial crime requirements into clear guidance, training, and practical advice for stakeholders.

To be successful in this role you will have:

• Significant experience in payments, wire transfer products, product management, product risk or Financial Crime Advisory within a banking, transaction banking, or payments environment.
• Deep understanding of SWIFT MT, ISO 20022, domestic and cross‑border payments, correspondent banking, payment transparency, and financial crime risks associated with payment products.
• Experience advising on product governance, new product approvals, regulatory change, strategic transformation, or payment technology initiatives.
• An understanding of AML, sanctions, payment screening, transaction monitoring, customer…