Financial Crime Manager

PagoNxt Payments is Santander Group’s global payments platform, focused on providing tailored financial infrastructure for companies, banks, and fintechs — both inside and outside the Santander ecosystem. 

With operations in over 10 countries, our mission is clear: to simplify payments and empower businesses through secure, flexible, data-driven technology. 

We operate on a cloud-native architecture designed to scale and adapt to the needs of global organizations. Our platform supports international transactions, FX, multi-currency accounts, regulatory compliance, and fraud prevention — all under a unified approach. 

PagoNxt Payments combines the agility of a fintech with the reliability of a global bank. With teams across Spain, Brazil, Mexico, Portugal, the UK, and Germany, we are building the future of payments at global scale. 

If you want to be part of the next generation of financial solutions — this is the place. Imagine your future. Care for your career. Simplify your journey. 

This means you’ll have the opportunity to build impactful solutions, grow with real development opportunities, and thrive in a culture that values well-being, inclusion, and clarity. 
We combine flexibility, autonomy, and global collaboration — so you can focus on what matters, connect with purpose, and shape what’s next.

You’ll find space to grow, real opportunities to lead, and a culture where everyone belongs and contributes. Are you ready to be a Nxter? 

What you’ll do

Financial Crime Manager at our Risk & Compliance team, developing all the FCC controls and acting as second line of defence. PagoNxt Emoney is a company wholly owned by Santander that is launching digital solutions to support international activities of companies and FIs (clients of SAN Units and open market)

Main responsabilities:

• Support the development and strengthening of the second line of defence in the management of Financial Crime Compliance (FCC) risks.
• Ensure FCC compliance framework activities are carried out to the highest standards, including mapping key local regulations, providing day-to-day compliance advice, developing KPIs, and supporting FCC business risk assessments.
•  Perform quality assurance reviews over KYC/CDD, sanctions screening, and transaction monitoring processes and tools.
•  Oversight Regulatory Reporting, including but not limited to FTF, DMO, AMLA Requests
• Monitor and remain up to date with changes in local AML/CFT regulations and relevant international best practices.
• Support internal and external FCC audits, including preparation of documentation and follow-up actions.

Key internal counterparties:

• CDO, IT, Products and Operations, 1LOD FCC 
• Risks teams (corporation and countries, specially Control, Oversight and Regulators relations teams)
  

What we’re looking for

• 5+ years of experience in Financial Crime Compliance for Payments/Correspondent Relationships
• International experience. 
• Experience in digital / fintech environments will be valuable.
• Engineering, Mathematics, Economics, Business Administration, Law, Finance, or other relevant areas. ACAMs or ICA certification in Financial Crime

What can earn you extra points

• Financial Crime Compliance expertise, specially Correspondent Relationships, Payments and PSD2 services (AISP, PISP). - Tecnology and digital solutions. -Local Reporting
  

Next step

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