AML Compliance Manager

About Us
Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.

Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you.

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Job Description

Reporting to the Head of Compliance/MLRO, the AML Compliance Manager will be responsible for supporting the oversight, effectiveness, and continuous enhancement of the AML/CFT Compliance Framework. The role will provide expert advice on financial crime matters, oversee risk assessments and monitoring activities, and contribute to the implementation of regulatory requirements and compliance initiatives.

The role will require you to:

AML Framework and Governance

· Support the ongoing development, implementation, and enhancement of the AML/CFT Compliance Framework.

· Maintain and strengthen AML/CFT policies, standards, procedures, and controls to ensure compliance with local and European regulatory requirements.

· Translate Visa Group policies and standards into practical procedures and controls applicable to regulated entities.

· Support governance activities by preparing management information, risk assessments, and compliance reporting for senior management and relevant governance forums.

· Contribute to strengthening the overall financial crime control environment through continuous improvement initiatives.

Risk Assessment and Controls

· Lead and coordinate AML/CFT risk assessment activities, including the annual Systematic Integrity Risk Assessment (SIRA).

· Identify emerging financial crime risks and recommend appropriate mitigating measures.

· Assess the design and operating effectiveness of AML/CFT controls and propose enhancements where required.

· Monitor remediation activities and provide independent challenge to ensure identified risks are addressed effectively and sustainably.

· Support risk-based decision-making through data analysis, trend monitoring, and risk reporting.

Monitoring, Testing and Assurance

· Manage and continuously improve AML/CFT monitoring and compliance testing programmes.

· Conduct thematic reviews and control effectiveness assessments.

· Monitor the implementation of actions resulting from audits, regulatory examinations, compliance reviews, and risk assessments.

· Report key findings, trends, risks, and remediation progress to relevant stakeholders.

· Support the preparation of documentation required for internal and external assurance activities.

Regulatory Compliance and Change Management

· Monitor regulatory developments and emerging financial crime trends that may impact the business.

· Support the implementation of regulatory change programmes, including the forthcoming EU AML Package, AML Regulation (AMLR), and AML Authority (AMLA) framework.

· Conduct regulatory gap assessments and assist with implementation planning and remediation activities.

· Support responses to regulatory inquiries, inspections, and information requests.

· Maintain awareness of industry developments and best practices within AML/CFT compliance.

Advisory and Subject Matter Expertise

· Act as a trusted AML/CFT subject matter expert for business and compliance stakeholders.

· Provide ongoing guidance and support to analysts and other stakeholders on AML/CFT requirements and expectations.

· Support investigations and decision-making relating to unusual transactions, suspicious activity, and financial crime risks.

· Deliver AML/CFT training and awareness initiatives across the organization.

· Share knowledge on emerging risks, typologies, regulatory developments, and industry trends.

Stakeholder Management and Reporting

· Prepare and present AML/CFT-related management information and reporting to Compliance leadership and senior management.

· Build effective working relationships with stakeholders across Compliance, Risk, Legal, Operations, Product, Technology, and Business functions.

· Support Board and senior management reporting by providing clear, concise, and risk-focused insights.

· Collaborate effectively with regional and global Compliance teams to ensure alignment with enterprise-wide objectives.

Qualifications

Experience

· Minimum 5-8 years of AML/CFT, Financial Crime Compliance, or Regulatory Compliance experience within banking, payments, fintech, e-money institutions, or broader financial services.

· Experience operating within a second-line Compliance or Financial Crime function.

· Experience conducting AML/CFT risk assessments, compliance monitoring activities, and control effectiveness reviews.

· Demonstrated experience supporting regulatory change implementation and compliance enhancement initiatives.

· Experience engaging with senior stakeholders, auditors, and regulatory bodies is desirable.

Knowledge and Technical Expertise

· Strong knowledge of AML/CFT regulations and financial crime compliance requirements within the EU financial services sector.

· Good understanding of payment services, electronic money, and cross-border payments.

· Strong understanding of AML/CFT governance frameworks, risk management methodologies, and regulatory expectations.

· Knowledge of transaction monitoring, sanctions screening, customer due diligence (CDD/KYC), enhanced due diligence, and suspicious activity reporting requirements.

· Familiarity with the forthcoming EU AML Package, AMLR, and AMLA developments is highly desirable.

Skills and Competencies

· Strong analytical skills and the ability to apply sound risk-based judgement.

· Excellent stakeholder management and influencing capabilities.

· Proven ability to communicate complex compliance matters clearly and effectively.

· Strong project management, organizational, and prioritization skills.

· Ability to work independently while effectively collaborating across multiple jurisdictions and functions.

· High levels of integrity, professional scepticism, and attention to detail.

· Strong written and verbal communication skills in English.

Education and Certifications

· Bachelor's or Master's degree in Law, Compliance, Risk Management, Finance, Business Administration, or a related field.

· ACAMS, ICA, or an equivalent AML/Compliance qualification preferred.

· Fluency in English is required.

· Dutch language skills are not required but would be considered a significant advantage, given the interaction with the Dutch regulated entity and the Amsterdam-based Compliance leadership team.

Visa is an EEO Employer

Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

Visa welcome and encourages application from persons with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Why work here?

If you thrive on rapid growth and enjoy working alongside positive, driven teammates, you’ll feel right at home here.

Help us to uplift everyone, everywhere. Whether you’re starting your career, pushing your capabilities or are a seasoned professional, learn how we can partner to reimagine the world.

About Us

At Visa, we are driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid. Our evolving technology keeps us at the heart of the digital economy, connecting people to 80+ million businesses worldwide. Backed by a resilient, proven model, our expanding network fuels growth—for Visa and for your career.

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