Customer Journey Expert - Transaction Monitoring

GJA: 16

Your role & work environment

Money laundering, Tax evasion and Financial & Economic Crime (FEC) as a whole is affecting our economy & social welfare by distorting prices, stimulating (cyber)crime, diverting resources and weakening economic & social policies. Significant amounts of dirty money are circulating and criminals are looking for any opportunity to recycle the profits of their crimes through the financial sector. Our Financial Crime Prevention (FCP) Tribe plays a key role in the fight against FEC.

At FCP, our work environment is inspiring and people & delivery focused. To achieve this, we listen to and lead our people. We relentlessly improve the data driven approaches to FCP and invest in the data proficiency of our team members. We leverage artificial intelligence capabilities, continuously reduce non-value-added process steps, and seek to simplify and automate all processes of the FCP journey whilst being compliant at the same time. We are ambitious!

You will be working within the Transaction Monitoring squad.

The squad has end-to-end ownership of the transaction monitoring (TM) processes. It relies on analytical tools and processes to identify unusual and potentially suspicious customer behaviour. The analytical tools process millions of transactional records daily to highlight such customer behaviour, for treatment by FCP investigators. 

The team ensures the correct implementation, configuration, updates and operationalization of analytical tools and processes. We achieve this via data-driven and risk-based methodologies to ensure adherence to both ING's risk appetite and regulatory requirements.

We work and coordinate with many stakeholders (in Belgium, Amsterdam Global HQ, and other international ING Hubs) to implement required changes & ensure that the process runs efficient and effective daily.

Your key responsibilities as a (senior) CJE Transaction Monitoring

As a Customer Journey Expert (CJE) it is your responsibility to ensure all TM processes are efficient and customer-oriented, as well as the shortest time-to-market of new solutions, by leveraging on innovation and smart data, while taking all regulatory requirements into consideration.

You are E2E owner of KYC processes

• You have (or are willing to gain) a profound understanding of the Transaction Monitoring process. You build knowledge on current and future data, tooling, processes & risk landscape
• You maintain and continuously improve E2E processes related to Transaction Monitoring.
• You assess and identify gaps between our current processes and new regulatory requirements, as well as operational efficiency opportunities. You implement the right solutions.
• You take ownership of one or more projects, depending on size. You ensure all required impact assessments (operational, risk, data, tooling) are conducted and have a smooth rollout of change.
• You take the lead in interactions within the FCP tribe as well as the coordination with other tribes and stakeholders (in Belgium & abroad).
• You ensure that risk mitigating actions are implemented within the deadline.
• You monitor & keep oversight on 1LOD TM operations performed in the ING hubs.

We look for

A colleague with a talent for taking it on and making ithappen, enthusiasm for helping others to be successful and a knack for always being a step ahead. In other words, you strive to bring fresh ideas to life and embrace challenges in a fast changing and complex environment. You are a naturally collaborative person who listens and invests in others to achieve common goals. You love to challenge the status quo and are eager to propose creative solutions to problems.

As a senior FCP Customer Journey Expert, you ideally:

• Have an academic degree
• Have at least 5 years of relevant work experience
• Have previous experience leading projects or change. Green/black belt certification is a plus
• Have good knowledge of the risk governance framework (GDPR/DPO, IRM, ORM, Compliance)
• Have strong analytical skills and problem-solving mindset
• Have a good amount of common-sense
• Have strong stakeholder management skills
• Have a good understanding of the AML regulatory landscape and a risk-mindset
• Are keen to improve processes using data (science) & automation
• Are fluent in English (written & oral) and have knowledge of Dutch or French.

We offer you

A clear purpose, a unique offer and a range of flexible compensation and other benefits:

• Personal growth & challenging work with endless opportunities to realise your ambitions
• An informal, dynamic environment with innovative colleagues supporting your endeavours
• A progressive and agile way of working, where new ideas are valued ahead of convention

Furthermore, within the FCP Tribe, you can count on a range of opportunities to invest in your personal and professional growth with:

• Challenging, strategic and highly visible projects to support or take the lead in 
• The possibility to participate in courses and trainings (e.g., ACAMs certification)
• Working in an international environment