Senior Financial Crime Officer at Pleo

Pleo is a modern spend management platform helping businesses control, automate, and understand company spending while delivering great experiences to customers and colleagues.

We are seeking a Senior Financial Crime Officer to be the bridge between regulatory expectation and practical execution, defining and documenting auditable risk controls that require close partnership with Product, Engineering, and our 2nd Line of Defence.

Do you thrive on translating complex financial crime risks and regulatory guidance into clear, scalable control frameworks, partnering cross-functionally with teams like Product and Engineering to embed them without direct people management? Keep reading!

What you’ll do:

Design, implement, and maintain financial crime prevention strategies and control frameworks for the 1st Line of defence
Project manage implementation of changes to current processes and innovative ways of working
Own and iterate libraries of standards and procedures to ensure clarity, usability, and audit readiness across markets
Translate case and alert insights into improvements, partnering with product and engineering team to identify and monitor risks
Perform root‑cause analyses on incidents and alerts; drive remediation actions and preventive controls end‑to‑end
Horizon‑scan emerging threats, typologies, and regulatory changes across AML, CTF, sanctions, trade-based money laundering and fraud; brief stakeholders and adapt frameworks accordingly
Build high‑quality MI and alert functions reporting to track control effectiveness and support governance forums and partners
Collaborate with 2LoD on assurance, testing, and risk assessments; address findings with pragmatic remediation plans
Contribute to vendor evaluations and model/rules governance, including change proposals, testing, and post‑implementation reviews
Complete and govern FC questionnaires from 3rd parties to continue compliance, maintaining a good relationship with our external stakeholders.
Coach and support colleagues across Framework and adjacent teams; champion high documentation standards and knowledge sharing

What you'll bring:

Proven experience designing and delivering Fincrime frameworks in fintech, payments, or financial services
Experience of change management/ project management at pace
Deep knowledge of fincrime risks, typologies, and controls.
Strong analytical skills and comfort working hands‑on with data to derive insights and shape rules, thresholds, and models
Excellent written communication and documentation craft; able to make complex topics simple, actionable and auditable
Skilled stakeholder manager who can prioritise, negotiate trade‑offs, and influence outcomes in a fast‑moving environment
Track record of improving operational processes and embedding continuous improvement
Strongly values customer experience and business enablement while upholding robust risk management

What is nice to have:

Experience in 2nd Line or Audit functions is a plus
Project/change management qualification e.g. PRINCE2
Financial crime certifications e.g. ACAMs, ICA
Experience with Data and analytics tools, e.g. Looker, BigQuery, writing SQL queries
Background in risk measurement and MI design for control effectiveness
Exposure to sanctions, proliferation financing, and EDD assessments

Show me the benefits!

Your own Pleo card (no more out-of-pocket spending!)
Lunch is on us - with catering in our Lisbon, Copenhagen and London offices or a monthly lunch allowance paid directly together with your salary in other markets 🍜
Private health insurance to ensure you’re fit in body and mind to do your best work
We offer 25 days of holiday + your public holidays
For our teams we offer remote working options
Option to purchase 5 additional days of holiday through a salary sacrifice
We’re trialling MyndUp to give our employees access to free mental health and wellbeing support with great success so far ❤️‍🩹
Paid parental leave - we want to make sure that we're supportive of families and help you feel that you don't have to compromise your family due to work 👶

Why join us?

Working at Pleo means you're working on something very exciting: the future of work. Our mission is to help every company go beyond the books. Pleo itself means ‘more than you’d expect’, and it’s been the secret to our success over the last 8 years. So it’s only fitting that we’d pass this philosophy onto our customers to help them make the most of their finances.

We think company spending should be delegated to all employees and teams, that it should be as automated as possible, and that it should drive a culture of responsible spending. Finance teams shouldn’t be siloed from the rest of the organisation – they should work in unity with marketing, sales, IT and everyone else.

Speaking of working in unity, our values tell the story of how we work at Pleo. We have four core values, the first of which is ‘champion the customer’, which means we address real pain points that businesses face. Next up is ‘succeed as a team’, which highlights how our strength lies in our diversity and trust in each other. We also ‘make it happen’ by taking bold decisions and following through to deliver results. Last but not least, we ‘build to scale’, creating lasting solutions that address today’s challenges and anticipate tomorrow’s needs.

So, in a nutshell, that's Pleo. Today we are a 850+ team, from over 100 nations, sitting in our Copenhagen HQ, London, Stockholm, Berlin, Madrid, Montreal and Lisbon offices —and quite a few full-time remotes in 35 other countries! Being HQ'd out of Copenhagen means we're inspired by things like a good work-life balance. If you don't work in the office with us, we'll help you set up the best remote setup possible and make sure you still have time to connect with your team.

About your application

Please submit your application in English; it’s our company language so you’ll be speaking lots of it if you join 💕
We treat all candidates equally: If you are interested please apply through our application system - any correspondence should come from there! Our lovely support isn't able to pass on any calls/ emails our way - and this makes sure that the candidate experience is smooth and fair to everyone 😊
We’re on a mission to make everyone feel valued at work. That’s only achievable if our team reflects the diversity of the world around us - and that starts with you, hitting apply, even if you are worried you might not tick all the boxes! We embrace and encourage people from all backgrounds to apply - regardless of race/ethnicity, colour, religion, nationality, gender, sex, sexual orientation, age, marital status, disability, neurodiversity, socio-economic status, culture or beliefs.
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