Transaction Monitoring Team Lead

Millions of people across Europe want better ways to build long-term wealth, but traditional investing often feels complex or out of reach.

Mintos is solving that. We've built a platform that makes investing in income-generating assets simple, transparent, and accessible. And we're expanding fast.

We're currently on our way to obtaining a banking licence from the European Central Bank (ECB). It will open new possibilities and help us build even more trust, which is key to long-term wealth building.

What you'll do

As our Transaction Monitoring Team Lead, you'll lead a team of experienced analysts who review alerts and investigate unusual activity, helping ensure our AML/CTF framework meets both today's regulatory expectations and the standards required of a future bank.

This is a hands-on leadership role for someone who enjoys combining expert judgement, people leadership, and regulatory compliance, and who wants to help scale AML practices in a fast-growing fintech. If you’re excited about making investing more accessible, we'd love to hear from you.

You will:

• Lead the transaction monitoring process for Mintos clients, from alert review and investigation to escalation and reporting of suspicious activity, ensuring full compliance with applicable AML/CTF regulations.

• Own the quality, timeliness, and consistency of alert handling and investigations across the team.

• Own the TM scenarios, rules, and thresholds: tune and test them, and document the rationale so it stands up to regulator and audit scrutiny.

• Continuously improve the efficiency, risk management, and effectiveness of TM by leveraging technology, automation, and AI-driven tools.

• Foster a strong culture of ownership, accountability, and integrity within the team, coaching and developing each analyst.

• Contribute to the evolution of AML/CTF processes and controls beyond TM, including monitoring coverage for new products and payment types.

• Provide advice and guidance on AML/CTF laws and regulatory requirements to internal stakeholders.

Your professional skills and background

Must-haves

• 4–5 years of experience in AML/CTF within the financial or fintech sector, including hands-on transaction monitoring and team leadership experience.

• Deep knowledge of AML/CTF and Sanctions frameworks, particularly transaction monitoring, typologies, red flags, and suspicious activity reporting.

• Experience with TM systems and with tuning and validating rules, scenarios, and thresholds.

• Experience improving AML processes, ideally through technology, automation, or AI-based tools

• Hands-on mentality and willingness to actively drive initiatives that improve effectiveness and efficiency of processes.

• An analytical mindset and willingness to work with data to support decisions.

• Strong communication and interpersonal skills, with the ability to explain complex topics in an easy way.

• Excellent written and verbal communication skills in English; Latvian language skills are an advantage.

What we offer

💸Competitive salary and stock options. Your experience and contribution matter, and we reflect that in fair compensation. You’ll also receive equity so you can share in the value you help create.

🤹Flexibility that fits real life. We do our best work side by side, so our offices are at the heart of how we collaborate. We also know life doesn’t always follow a schedule, so we offer flexibility where it’s needed, including up to 90 days a year working from another country, with your manager’s approval. Arrangements vary by location and team.

🌴Generous vacation policy. Rest and recovery are essential. We don’t limit vacation to the minimum required by law. Take the time you need to recharge and come back refreshed.

🧠Learning and growth. An annual €1,200 learning budget to support your professional and personal growth. Whether you want to explore something new or deepen your expertise, we’ll support you along the way.

☕Very well equipped office. Comfortable environment matters. When in the office, enjoy the parking, showers, kitchen with snacks and drinks, massage chair, nap room and others.

Proud to be recognized for fairness
Mintos was recognized by Figure Baltic Advisory for fairness and equality in compensation and representation, achieving 3rd place in 2025.

International team of 200+ people from 17+ countries

Join a diverse team where different perspectives and experiences are valued. We work across Europe, share ideas openly, and collaborate to solve meaningful challenges together.

Mintos is an equal opportunity employer. We're committed to building a diverse team and creating an inclusive workplace for everyone. If you need accommodations during the interview process, contact us at people@mintos.com.