Group AML & Fraud Manager

Group AML & Fraud Manager About Us: At IPF Digital, we’re building a better world through financial inclusion. IPF Digital is a global financial services provider on a mission to build a better world through financial inclusion. We deliver innovative, customer-focused digital lending solutions. As part of our journey, we’re seeking an experienced Group AML & Fraud Manager, a strategic and hands-on leader who will strengthen our defenses against financial crime and drive excellence in fraud and AML risk management across our global digital markets. What You’ll Do You’ll lead the Group Fraud and AML function — setting direction, ensuring compliance, and empowering local teams to protect the organisation from financial loss, prosecution, and reputational harm. Acting as a trusted partner to Country Managers and Senior Leadership, you will bring deep subject-matter expertise, operational discipline, and the confidence to influence at every level. Key Responsibilities Design and execute IPF Digital’s global fraud and AML strategy, ensuring alignment with regulatory frameworks and business objectives. Act as the senior expert and advisor to leadership, providing insight, recommendations, and assurance on fraud and AML risks. Oversee investigations into significant fraud and money-laundering cases, ensuring learnings are cascaded across the business. Drive continuous improvement in risk frameworks, controls, and reporting to keep fraud and AML risks within appetite. Lead fraud and AML education, awareness, and capability-building across the organization. Stay ahead of regulatory developments and ensure timely implementation of new AML and fraud requirements. Represent the function at the Board and senior stakeholder level, influencing decisions and shaping long-term strategy. Lead and develop a team across multiple markets, fostering a high-performing, collaborative culture. Knowledge & Experience Degree-level education in law, economics, or business. In the absence of such a degree, completion of relevant professional training and certifications is essential. Professional qualifications and completed courses demonstrating suitability for the role. Proven experience within the banking or financial sector; prior AML-related work experience is highly desirable. Strong understanding of AML principles, financial regulations, and industry best practices. Excellent critical and analytical thinking skills, with the ability to manage deadlines and perform under pressure. Strong communication, persuasion, and teamwork skills, combined with high stress tolerance and accountability. Demonstrated ability to make sound decisions, maintain confidentiality, and uphold professional integrity. Impeccable reputation, no history of bankruptcy, licence revocation, criminal convictions, or administrative sanctions. Must not be subject to any prohibition on business activities or have provided false information to authorities. Ethical conduct and trustworthiness with no circumstances that could indicate a lack of good repute. What can we offer you Competitive salary and annual bonus; Wide benefits package; Opportunity to work in a dynamic and fast-paced environment; Chance to make a real impact on the growth and success of the company. At IPF Digital, you’ll work in a fast-moving, international environment where your expertise will directly shape the company’s ability to protect, grow, and innovate. You’ll have the autonomy to make an impact — leading global initiatives, building talent, and championing integrity at every level. Please be aware that we will conduct background checks for the final candidates as part of the recruitment process . Here's how our team describes our culture: "The culture at IPFD is driven by our shared values. People are put first; we accept differences and encourage individuality. Due to our flat business structure, we enjoy collaborating. Although recognition is highly valued, failure is also accepted. Enjoying some good times together is also highly encouraged!" Sounds good? :) Then Please Apply, and let's meet up. ;) Department Credit & Risk Locations Estonia Remote status Hybrid Employment type Full-time Employment level Professionals About IPF Digital Your first day at IPF Digital - what you can expect and how to prepare