AML Lead (Cross-Border Trade & Payments)

Role Overview

We are seeking an AML Lead to design and own our AML/CFT and TBML framework, embedding regulatory directions and requirements into Trade Pes policies, monitoring, and digital controls. Acting as

MLRO (or delegate), you will oversee risk assessments, STR/SAR filings, governance forums, and frontline training, ensuring robust regulatory compliance and proactive risk management in cross border

flows.

This is a high-visibility role, interfacing with regulators, AD-I banks, payment partners, and global correspondents to ensure India's regulatory expectations are embedded in a scalable, tech-led

compliance architecture.

Key Responsibilities

• Design and implement comprehensive AML/CFT policies in line with RBI, FIU-IND, FEMA, and FATF standards; regularly update frameworks to incorporate new typologies, TBML indicators, and red flags.
• Develop, strengthen, and oversee risk-based controls covering customer segmentation, CDD/EDD frameworks, and sanctions screening processes to ensure effective risk management across trade flows.
• Lead the deployment of AML technology platforms, building automated workflows for screening, monitoring, escalation, and regulatory reporting.
• Implement advanced transaction monitoring, including rule engines, trade-specific data integration (SWIFT, HS codes, invoice values, routes), and calibrated alerts to reduce false positives and strengthen TBML detection.
• Serve as primary liaison with FIU-IND, RBI, AD-I banks, and auditors; ensure timely STR/SAR filings, CTR submissions, EDPMS/IDPMS alignment, and closure of regulatory observations.
• Oversee audits, inspections, and governance forums, presenting a strong compliance posture to the Board and Audit Committee.
• Build and lead the AML team, driving investigations, advisory, and frontline training to embed a compliance-first culture across the organization.

KPIs

• Timeliness and regular acceptance of STR/SAR filings; closure of regulatory observations within SLA.
• Alert backlog managed within SLA; reduction in false positives; calibrated reduction of EDD caseload.
• Improved accuracy of TBML detection and monitoring outcomes.
• Full compliance with periodic KYC, sanctions, and audit timelines.
• Regulatory audits completed successfully with zero critical observations.

Ideal Background

• 812+ years in AML/financial crime compliance, with proven track record in trade/TBML risk management
• Deep knowledge of RBI KYC Directions, FIU-IND reporting, FEMA, PMLA, and cross-border reporting frameworks.
• Hands-on with AML platforms, sanctions screening, and SWIFT/trade data analytics and experience evaluating and implementing global AML/KYC monitoring solutions
• Strong credibility with regulators and bank partners; experience managing audits and regulatory interactions.
• CAMS/ACAMS, ICA, or equivalent certification preferred.
• Experience in evaluating and implementing global AML/KYC platforms and transaction monitoring solutions is a plus.