EML Payments is a global payments company, headquartered in Melbourne, Australia, and listed on the Australian Securities Exchange. We build secure, instant payment solutions that connect our clients to their customers, wherever money is in motion. Our products include banking, credit and disbursement services, earned wage access, gifts, incentives and rewards, and FX solutions. We operate in more than 25 countries, we combine the energy of a start-up with deep leadership experience

What you will do

As a Senior Financial Crime Operations Manager, you will play a key role in shaping the future of financial crime operations as part of a wider global transformation. Reporting directly to the Director of Financial Crime Operations, you will take full accountability for the delivery of fraud, screening, AML transaction monitoring and chargeback processes in North America, while actively contributing to the evolution of how financial crime is managed across the organisation.

You will bring strong operational leadership to strengthen controls, embed best practice and drive continuous improvement, while ensuring alignment with both local regulatory, banking partner expectations and broader group standards.

• Lead and mentor a team of analysts in the US and Bulgaria, holding accountability for the delivery and outcomes of fraud, screening, AML transaction monitoring and chargeback operations in North America.
• Act as the primary escalation point in North America for complex financial crime cases, including large‑scale fraud events, and work directly with payment schemes, banking partners and internal stakeholders to drive resolution.
• Partner with Sales, Technology, Compliance and Operations to assess new business opportunities, providing clear, risk‑based operational input  on financial crime exposure.
• Maintain strong stakeholder engagement, proactively communicating developments, issues and blockers within the first line of defence, and presenting practical solutions to resolve incidents.
• Work with the Head of Fraud and Head of Financial Crime Operations on enhancements to detection rules, scoring models and automated workflows in fraud, AML and chargeback platforms.
• Engage directly with customers where required to support the timely  and effective resolution of financial crime and chargeback cases.
• Allocate resources to effectively balance workload across the  various functions under your management.
• Monitor case aging and resolution to ensure SLAs are met and  backlogs are actively avoided.
• Ensure consistent quality in case documentation, evidence gathering  and decision rationale.
• Prepare and deliver management and regulatory reports on workload, case quality and case outcomes.

What you will bring

• Experience leading a team conducting AML, fraud and chargeback processes in an operational, 1LOD environment.
• Knowledge of ecommerce fraud, card-not-present fraud and friendly fraud on card payment products.
• Solid understanding of chargeback rules, payment schemes (Visa, Mastercard and Discover).
• Good understanding of regulatory expectations around AML, fraud, sanctions and financial crime.
• Strong analytical and investigative skills with a good attention to detail.
• Ability to identify suspicious activity and make sound, risk-based decisions.
• Excellent written and verbal communication skills for clear case documentation and escalation.
• The ability to think independently with the confidence to make decisions and recommendations on financial crime and chargeback cases.
• Excellent attention to detail, organisation skills and the ability to manage multiple priorities in a fast-paced environment.
• Familiar with common financial crime tools.
• An enthusiastic self-starter who is proactive, collaborative and open to change.

What we offer

• 20 days' paid time off a year, plus 5 additional flex-time days once qualifying PTO has been used
• Paid birthday leave and 2 paid volunteering days a year
• Enhanced paid parental leave: 12 weeks for primary carers and 4 weeks for secondary carers
• Medical and prescription cover through Meritain, with EML paying 90% of the premium, including $0 preventive care and telemedicine
• Access to a Health Savings Account (HSA) through UMB
• Dental and vision cover through Guardian, with EML paying around 75% of the premium
• Employer-paid short-term disability (60% of salary) and long-term disability (60% of salary), with the long-term disability premium reimbursed by EML
• Employer-paid basic life and AD&D insurance ($30,000), with voluntary cover available for you and your family
• Support with one relevant professional membership a year

About EML

EML Payments is a global leader in the fintech space. Our mission is to create awesome, instant, and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Our Purpose is to inspire transformative digital change for our customers and communities. 

As an issuer and processor, we provide our clients and partners with innovative alternatives to traditional banking solutions for reloadable and non-reloadable programs.
Our commitment to Equal Employment Opportunity

Integrated into our Core Values is EML's commitment to diversity, equity and inclusion. EML is committed to being a globally inclusive company where all people are treated fairly, recognised for their individuality, promoted based on performance and empowered to reach their full potential. We are agile, we are innovative. We take a partnership approach; we tailor solutions and place a strong focus on operational excellence.  Our place is one of collaboration, teamwork & innovation. But, above all, it’s one that embraces difference. And rather than have you blend in, we want to help you unleash your full potential. 

Disclaimer
Offers are conditional on satisfactory pre-employment background screening, which may include a criminal record check. Any disclosures are assessed fairly and in line with local law.