AML Lead

Company: Trade Pe

Location: Mumbai (Onsite)

Type: Full-time

Experience: 8–12+ years

About Trade Pe

Trade Pe is a fast-growing fintech company in the cross-border banking space, building modern infrastructure that simplifies and accelerates global trade transactions. We are creating the backbone for global trade payments, trade banking, and digital tools that empower exporters and importers to scale seamlessly.

Our mission is to give businesses access to faster, compliant, and cost-efficient international payment flows along with integrated trade solutions — from collections and remittances to FX, guarantees, documentation support and trade finance products.

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 Pe's 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

• 8–12+ 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.

Why Join Trade Pe?

• Own and shape the AML/TBML framework for India's first trade focused neobank.
• Balance regulatory rigor with digital innovation in cross-border payments.
• High-impact leadership role with direct visibility across regulators, banks, and global standards.