Senior Internal Audit Manager – Compliance, Fraud & AML/CFT

<div class="content-intro"><p>Ebury helps ambitious businesses unlock global growth, and we take the same approach with our people. We encourage innovation and movement, collaboration and problem-solving, and foster an environment where everyone can feel they belong, are valued, supported and empowered to succeed.</p>
<p>If you’re a collaborator who wants to help transform how businesses operate globally, get in touch - we’d love to discuss how Ebury can accelerate your career so you can shape the future.</p></div><p><span style="text-decoration: underline;"><span style="font-size: 10pt;"><strong>Senior Internal Audit Manager – Compliance, Fraud &amp; AML/CFT</strong></span></span></p>
<p><span style="font-size: 10pt;"><strong>Ebury Madrid Office - Hybrid: 4 days in the office, 1 day working from home per week</strong></span></p>
<p><span style="font-size: 10pt;"><strong>Role Overview</strong></span></p>
<p><span style="font-size: 10pt;">The<strong> Senior</strong> <strong>Audit Manager – Compliance, Fraud &amp; Financial Crime (AML/CFT)</strong> is a subject matter expert responsible for delivering independent, objective 3rd Line of Defense assurance over regulatory compliance, fraud risk management, and financial crime frameworks.</span></p>
<p><span style="font-size: 10pt;">This profile requires a seasoned assurance professional with deep technical expertise in anti-money laundering (AML), counter-terrorist financing (CFT), sanctions, fraud prevention and detection, customer due diligence (CDD/EDD), transaction monitoring, and regulatory reporting across cross-border financial services, payment institutions, and banking environments.</span></p>
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<p><span style="font-size: 10pt;"><strong>Qualification Area</strong></span></p>
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<p><span style="font-size: 10pt;"><strong>Ideal Candidate Specification</strong></span></p>
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<p><span style="font-size: 10pt;">Experience Level</span></p>
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<p><span style="font-size: 10pt;">5+ years in Internal Audit, 2nd Line Compliance Assurance, or Big 4 Risk Advisory</span></p>
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<p><span style="font-size: 10pt;">Core Qualifications</span></p>
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<p><span style="font-size: 10pt;">CAMS / CISA / ICA Diploma in Financial Crime Governance / ACA or CIA</span></p>
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<p><span style="font-size: 10pt;">Industry Focus</span></p>
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<p><span style="font-size: 10pt;">Payment Institutions, Electronic Money Institutions (EMIs), Fintech platforms, Financial Institutions.</span></p>
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<p><span style="font-size: 10pt;">Regulatory Familiarity</span></p>
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<p><span style="font-size: 10pt;">EU AML Directives (AMLD), FATF Standards</span></p>
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<h1><span style="font-size: 10pt;"><strong>Job Purpose</strong></span></h1>
<p><span style="font-size: 10pt;">The <strong>Senior</strong> <strong>Audit Manager – Compliance, Fraud &amp; Financial Crime (AML/CFT)</strong> plays a pivotal role in providing assurance on the integrity and compliance of the organization’s control framework. The primary mission is to evaluate the adequacy, efficiency, and compliance of the internal control framework for Financial Crime Compliance (FCC) and Fraud Risk Management across all business units and international branches.</span></p>
<p><span style="font-size: 10pt;">The role involves managing end-to-end audit lifecycles, evaluating regulatory compliance risks, conducting root-cause analysis on control gaps, and ensuring robust follow-up of managerial remediation commitments.</span></p>
<h2><span style="font-size: 10pt;"><strong>Key Responsibilities</strong></span></h2>
<h3><span style="font-size: 10pt;"><strong>Audit Planning &amp; Execution</strong></span></h3>
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<li style="font-size: 10pt;"><span style="font-size: 10pt;">Lead and execute complex thematic and branch-level AML/CFT audit engagements in accordance with international internal audit standards (IIA) and regulatory expectations.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Prepare comprehensive Terms of Reference (ToR) defining audit scopes, objectives, resource allocations, and fieldwork testing timelines.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Perform risk-based testing across key financial crime and fraud domains, including Customer Due Diligence (CDD/SDD/EDD), Ultimate Beneficial Owner (UBO) identification, Politically Exposed Persons (PEPs) management, Sanctions screening, internal and external fraud prevention controls, and Transaction Monitoring alert handling.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Evaluate the alignment between local operational practices and group-wide financial crime policies.</span></li>
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<h3><span style="font-size: 10pt;"><strong>Regulatory &amp; Governance Assurance</strong></span></h3>
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<li style="font-size: 10pt;"><span style="font-size: 10pt;">Assess the design and implementation of Business-Wide Risk Assessments (BWRA) and Overall Risk Assessments (ORA).</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Review regulatory reporting processes to local Financial Intelligence Units (FIUs) / Money Laundering Reporting Officers (MLROs) to ensure accuracy, completeness, and timeliness.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Monitor and evaluate remediation actions stemming from past internal audit findings, external reviews, and supervisory inspections.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Participate as an independent assurance representative in key risk and compliance steering committees.</span></li>
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<h3><span style="font-size: 10pt;"><strong>Reporting &amp; Stakeholder Engagement</strong></span></h3>
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<li style="font-size: 10pt;"><span style="font-size: 10pt;">Draft clear, concise, and impact-oriented internal audit reports containing prioritized findings and actionable recommendations.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Engage with local Compliance Officers, MLROs, Senior Management, and Business Line Leaders to validate findings and agree on realistic remediation plans.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Support the Head of Internal Audit in preparing quarterly Audit Committee presentations, regulatory reporting packs, and board-level dashboards.</span><strong style="font-size: 10pt;">Technical Competencies &amp; Experience Requirements</strong></li>
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<h3><span style="font-size: 10pt;"><strong>Professional Experience</strong></span></h3>
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<li style="font-size: 10pt;"><span style="font-size: 10pt;">Minimum of 5 years of experience in internal audit, external audit (Big 4), or second-line compliance monitoring within a regulated financial institution or payment service provider.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Proven experience conducting end-to-end financial crime audits covering international operations or branch structures.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Demonstrated experience handling regulatory remediation reviews and responding to supervisory findings (e.g., EU National Competent Authorities).</span></li>
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<h3><span style="font-size: 10pt;"><strong>Education &amp; Certifications</strong></span></h3>
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<li style="font-size: 10pt;"><span style="font-size: 10pt;">Bachelor’s or Master’s degree in Law, Finance, Economics, Business Administration, or a related field.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Professional certification in Financial Crime/Anti-Money Laundering or Fraud Risk (e.g., CAMS - Certified Anti-Money Laundering Specialist, CFE - Certified Fraud Examiner, ICA International Diploma in Governance, Risk and Compliance / AML).</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Recognized auditing or accounting qualification (e.g., CIA - Certified Internal Auditor, ACA/ACCA, or CISA - Certified Information Systems Auditor) is highly preferred.</span></li>
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<h3><span style="font-size: 10pt;"><strong>Technical Skills &amp; Competencies</strong></span></h3>
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<li style="font-size: 10pt;"><span style="font-size: 10pt;">Deep knowledge of global AML/CFT standards, fraud risk management frameworks, sanctions compliance regimes, and relevant European directives/regulations.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Strong familiarity with financial crime technology architectures, including screening engines, rules configuration, and automated transaction monitoring systems.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Proficiency in data analytics tools (e.g., SQL, AuditBoard, Jira, Excel) to perform data-driven auditing and sample verification.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Exceptional analytical skills with the ability to identify systemic root causes behind operational and control breakdowns.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Fluency in English (written and spoken) is required; additional European languages are an advantage.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;">Senior Stakeholder Management. Proven track record in presenting audit findings to Executive Committees, Audit Committees, and liaising with external auditors and regulatory bodies.</span></li>
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<p><span style="font-size: 10pt;"><strong>Why Ebury?</strong></span></p>
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<li style="font-size: 10pt;"><span style="font-size: 10pt;"><strong>Competitive Starting Salary</strong> with an <strong>annual discretionary bonus</strong><strong> </strong>that truly rewards your performance from day one.</span></li>
<li style="font-size: 10pt;"><span style="font-size: 10pt;"><strong>

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