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Overview
Join Xapo as the Head of AFC, leading financial-crime operations in a fully remote role. Drive metrics, optimize processes, and ensure compliance across regulated entities. At Xapo Bank, diversity is at the heart of who we are. We're a fully distributed team of over 160 Xapiens that work remotely from 50+ countries around the world. Our mission is to create a world that enjoys economic freedom and wealth protection, no matter where you live or who is running your country. We work hard, think globally, and inspire each other to learn and grow, committed to changing the way things are done. Although headquartered in Gibraltar, this is a full-time, 100% remote position.
What you'll do
- •Own the AFC operating model: Design, scale, and run the end-to-end first-line process for alerts, RFIs, onboarding review, screening, and monitoring across both entities.
- •Operate inside appetite: Hold the operation firmly within Board-ratified appetite bands; make definitive judgments inside those bands and escalate strictly by exception.
- •Move the metrics: Take total accountability for our AFC metric set—including open-alert volume and aging, manual-review rates, automated clearance, false-positive and blocked-payment ratios, and iSAR timeliness/quality.
- •Balance cost and risk: Partner with the CFO to map the capital and cost-to-serve impact of the operation, ensuring financial-crime effectiveness and cost are managed as one unified balance sheet.
- •Represent the first line in Product Groups: Sit on the Growth and Payments Business Unit PGCs as the operational KYC/AML owner, taking direct responsibility for the financial-crime rules that drive friction.
- •Lead and clear bottlenecks: Line-manage and continuously develop our AFC analysts, cross-training the team to actively remove single-person dependencies that route decisions upward.
- •Optimize user friction: Continuously tune the manual-review model so it stops delaying customer approvals by days or causing onboarding drop-offs over the weekends.
- •Build quality into the trendline: Encode lessons from incidents and near-misses directly back into first-line standards so issues do not recur.
- •Leverage AI responsibly: Partner with our CISO and AI teams to systematically raise automated clearance rates and cut false positives through a governed model.
- •Own the data: Produce the business-essential reporting that doesn't exist today—showing manual-review volumes, cost-to-serve, and remediation against appetite so stakeholders never have to reconstruct our numbers from the outside.