Compliance Operations Manager, Transaction Monitoring

• Title:
  
  Compliance Operations Manager, Transaction Monitoring
• Team:
  Compliance
• Reports to:
  
  Chief Risk Officer
• Location:
  
  Remote, United States or Latin America
• Employment type:
  
  Full-time
• Direct reports:
  None at start; builds and leads a team of TM analysts as volume scales

Caliza is commercial banking infrastructure for companies that operate across borders. Most global businesses still piece together several banks, FX providers and spreadsheets to move money. Caliza replaces that with one platform and API: hold USD accounts, collect and pay in 33+ currencies, and convert between fiat and stable coins, over local rails, SWIFT or stable coins, in minutes instead of days. On top of that, we’re building the treasury layer: programmable accounts, approval policies, automated reconciliation and working capital, run by a customer’s finance team or their AI agents.

Our customers are importers, exporters, FX brokers, payment companies and fintechs across the Americas, Europe, Africa and Asia. We’re licensed and regulated across our core markets, and our team has built financial infrastructure at Visa, Nubank, EBANX, Flutterwave, Upstart, Intuit and Silicon Valley Bank.

Initialized Capital, Better Tomorrow Ventures, Abstract Ventures, New Form Capital, QED Investors, Valor Capital and Quona Capital, along with the founders of Flutterwave, Chipper Cash, Rappi, Pomelo, Dock, Remesa Online and Anchorage.

Own the real-time transaction monitoring implementation. Partner with Engineering to constantly update requirements, run user acceptance testing, and continue to enhance TM tooling, ensuring it continues to be best in class.

Write and tune AML rules, scenarios, and thresholds across fiat and stablecoin flows and across our corridors (US, Brazil, Mexico, and others), mapped to a documented typology coverage assessment.

Run above- and below-the-line testing and ongoing tuning to cut false positives without leaving coverage gaps.

Update documentation for the TM program: policies, procedures, investigation playbooks, QA standards, and model and rule validation, including preparing for independent validation and audit.

Define TM metrics for Compliance leadership and the Board: alert volumes, aging, disposition rates, SLA adherence, and filing timeliness.

Run daily alert triage, investigation workflow, case management, and disposition tracking.

Review held and pended transactions, decide release, return, or escalation, and follow up with customers and integrator partners for information and documentation.

Detect and investigate fraud patterns, including account takeover, authorized push payment and social engineering scams, mule activity, and first-party fraud.

Lead SAR and STR decisioning and filing for the US (FinCEN), Bermuda (Financial Intelligence Agency), and relevant LATAM jurisdictions such as Brazil (COAF) and Mexico (UIF), meeting each regime's deadlines and continuing-activity review requirements.

Manage sanctions‑adjacent escalations and requests from law enforcement and partner banks (for example, 314(a) and 314(b) requests and RFIs), in coordination with Compliance and Legal.

Act as the primary point of contact for TM‑related questions from regulators, examiners, auditors, and correspondent and sponsor banks.

Build a culture of clear documentation, sound judgment, and fast, well‑reasoned decisions.

6+ years in AML, BSA, or financial crime compliance, with at least 3 years focused on transaction monitoring at a fintech, payments company, money services business, crypto business, or bank.

Hands‑on experience implementing or migrating a TM system: writing…