Group Head of Transaction Monitoring

Group Head of Transaction Monitoring 

Company Overview

ONE.io was founded in 2017 as an OTC digital asset trading desk, serving high-net-worth individuals, corporates, and institutional clients globally. Recognising that our clients – generally in sectors underserved by the traditional banking system – were facing tremendous difficulty in the movement of fiat funds, we undertook to resolve this industry pain point by shifting our focus toward the provision of payment services. We subsequently acquired our PI licence from the FCA in 2020, and launched our proprietary payments platform in 2021.

Today we provide a unified end-to-end financial services solution for corporate clients through our core propositions - ONE.io Connect (Payments Platform), ONE.io Fusion (OTC Crypto Trading and Crypto Gateway). We leverage a strong network of banking partners and regulatory licenses to serve clients effectively on a global scale.

Through a single onboarding journey with us, clients get access to a full suite of products and services, including named IBANs in multiple fiat currencies, foreign exchange, and access to payment rails including SWIFT, SEPA, Faster Payments and CHAPS.

The ONE.io Group is very culture-driven and employees live by our values which include:

• Ingenuity: Constantly improving with creativity and confidence
• Integrity: Brave and tenacious in pursuit of equality
• Unity: A team empowered by shared beliefs and commitment
• Dedication: Intuitive to our customers needs and accountable for our actions

Role Overview

You will be the architect and leader of the Transaction Monitoring (TM) function for One.io. This role requires a strategic leader capable of managing a team of three while building a data-driven engine that bridges traditional fiat banking and high-velocity crypto markets. You will ensure every transaction through our gateway meets the highest global regulatory standards.

Key Responsibilities

Team Leadership
Directly manage and mentor a team of three TM analysts. You will be responsible for the quality of their investigations, their ongoing training, and ensuring a culture of objective validation and independent verification.

Policy and Procedure Architecture

Design and implement the comprehensive suite of TM Policies and Procedures for both Fiat (EFT/Travel Rule) and Crypto (On-chain forensics). You will translate BVI and international law into clear, technical operational manuals.

Risk Assessment and Strategy

Compose the TM-specific elements of the Business Wide Risk Assessment (BWRA). You will calibrate monitoring rules and thresholds to address inherent risks including organized money laundering, sanctions evasion, and illicit gambling proceeds.

Stakeholder and OTC Collaboration

Act as the primary compliance partner to the OTC trading desk, ensuring high-value trades are monitored in real-time without compromising speed. You will coordinate closely with the MLROs in BVI, Canada, and the UK to ensure global intelligence sharing

Fiat and Crypto Oversight

Manage the monitoring of fiat wire transfers alongside digital asset movements. You will oversee the selection and optimisation of our RegTech stack, including blockchain forensics tools and automated fiat monitoring systems.

Reporting and MI 

Define suspicion criteria and manage the escalation path to the MLRO. You will provide the CCO with high-grade Management Information (MI) that demonstrates the effectiveness of our internal controls.

Skills and Experience

• Experience: Relevant and demonstrable experience in Transaction Monitoring within Fintech or Digital Assets, with proven leadership experience.
• Technical Knowledge: Expert understanding of the BVI VASP Act, BVI AML/CFT Code, and FATF Recommendations 15 and 16.
• Crypto Forensics: Proficiency in on-chain monitoring and blockchain analytics tools.

• Communication: Ability to navigate the demands of high-pressure OTC traders while satisfying regional regulators.

• Mindset: Resilient and adaptable to a fast-moving, high-stakes environment.

What you’ll get in return:

• Vitality Health Insurance
• Enhanced Parental Leave
• Perks at Work Reward Platform
• Unlimited holiday policy
• Continuous learning and development opportunities
• Flexible working
• Competitive remuneration
• And more…

ONE prides itself on being an equal opportunities employer. We will always hire people based on merit and will never discriminate against someone based on gender, race, religion, or background.

Unfortunately, we cannot offer sponsorship at present. This is a UK based role.