About the Role

ACE Money Transfer is looking for a diligent, detail-oriented AML Officer to join our Compliance team and help protect the business and our customers from financial crime.

Reporting to the Team Leader of the AML unit, you will help the unit meet its responsibilities. You will investigate complex and unusual transactions, carry out enhanced due diligence (EDD) and deal directly with customers to verify the source of funds. You will also be a point of guidance for the Compliance and Customer Services teams, resolving escalated queries and helping customer-facing staff make the right decisions.

This role is central to keeping ACE compliant with AML/CTF requirements, and it plays a direct part in making sure that every payment we release is safe and legitimate. It suits someone who is analytical, careful and motivated to build a career in financial crime compliance.

Responsibilities

Escalated Queries & Guidance

• Handle queries escalated to the team through tickets.
• Guide customer-facing staff on escalated matters and give clear resolutions to the Compliance and Customer Services teams.

Transaction Review & Processing

• Release transactions for payout when they comply with the rules, and hold them until they qualify when they do not.
• Investigate complex or unusual transactions and customer behaviour, and carry out enhanced due diligence where needed.

Screening & Enhanced Due Diligence

• Assess sanctions and politically exposed person (PEP) screening alerts escalated to the second stage.
• Carry out additional EDD measures for customers who breach thresholds, including confirming the source of funds and obtaining proof of funds.

Suspicious Activity Reporting

• Report any suspicion identified while handling queries or transactions to the Money Laundering Reporting Officer (MLRO).

Knowledge, Training & Projects

• Keep your knowledge of relevant policies, procedures and SOPs up to date.
• Complete periodic AML/CTF training and any other training you are assigned.
• Take on specific compliance projects assigned by the Team Leader or the Manager Compliance.
• Carry out other job-related duties and special projects as assigned.

Requirements

Qualifications & Experience

• Bachelor’s degree in Finance, Business, Law or a related field.
• Previous experience in a similar AML, KYC or compliance role is preferred.
• Understanding of AML/CTF concepts, including sanctions and PEP screening, enhanced due diligence and source-of-funds checks, is an advantage.
• Comfortable working with ticketing systems and transaction monitoring tools.

Soft Skills & Leadership

• Attention to detail: accurate and thorough in every task.
• Problem-solving: identifies issues and develops effective solutions.
• Communication: excellent written and verbal skills, including when dealing directly with customers.
• Teamwork: proven ability to work well within a team and across departments.
• Integrity and discretion: handles sensitive customer information and suspicions confidentially.
• Sound judgement: knows when to release, hold or escalate.

Job Details

• Location: Kharian, Pakistan
• Job Type: Onsite 
• Working Hours / Shift: 01:00 to 10:00 PM PKT

About ACE Money Transfer

ACE Money Transfer is a UK-based multinational fintech headquartered in Manchester, United Kingdom. We provide fast, secure and affordable online remittance services to customers in 29 countries across the UK, Europe, Canada and Australia, and we enable cross-border money transfers to 100+ countries worldwide.

Every day, our platform helps people support their families, pay for education and build better futures across borders. As part of the wider ACE Group, we combine a fast-paced growth culture with strong regulatory standards and a commitment to innovation in digital payments.

At ACE you will work with talented, diverse teams across multiple regions and take real ownership of work that matters. You will also help shape the future of global money movement.

Learn more: ACE Money Transfer Company Profile