About The Role

About Us

SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto 'Make Life Simple' inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.

SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, colour, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.

Join us to shape the future of digital payment in India and unlock your full potential.

What’s in it for YOU

SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
Dynamic, Inclusive and Diverse team culture
Gender Neutral Policy
Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
Commitment to the overall development of an employee through comprehensive learning & development framework

Role Purpose

Serve as the primary techno-functional bridge between AML Operations, IT, QA, and external solution vendors. This role is responsible for driving end-to-end AML system architecture, transaction monitoring platform optimization, watchlist screening feeds, regulatory rule deployment, quality assurance, and leading the transition towards next generation AML monitoring powered by IT automation, AI/ML models and intelligent workflow tools.

Role Accountability

Business Analysis & Techno-Functional Translation

Translate complex AML/CFT regulatory mandates, FIU guidelines, and business requirements into detailed functional specifications (BRDs/FRDs) and platform configurations.
Collaborate with business analysts and operations teams to evaluate workflow bottlenecks and design scalable technical solutions.

AML Solution Architecture & Vendor Governance

Partner with AML solution providers and IT teams to manage core AML platforms, rule engines, and User Access Management (UAM) protocols.
Conduct periodic model tuning, system validation, and threshold optimization exercises to maximize detection efficacy while minimizing false positives.
Lead IT automation initiatives to reduce manual tasks, speed up turnaround time, and explore AI/ML solutions for transaction monitoring.

Regulatory Rule Implementation & Watchlist Management

Spearhead the deployment and testing of Red Flag Indicators (RFIs), transaction monitoring scenarios, and sanction screening logic.
Ensure daily maintenance, delta ingestion, and automated checks for third-party watchlist/PEP feeds (e.g., Dow Jones, World-Check).
Implement audit and inspection recommendations pertaining to IT controls, model validation, and system logic.

Quality Assurance (QA), UAT & Release Management

Lead the AML QA and UAT processes for new system releases, hotfixes, data integrations (e.g., BBPS, payment aggregators etc.), and patch updates.
Ensure zero-defect implementation and adherence to change management governance.

System Resilience, DR/BCP & Operational Support

Drive adherence to DR/BCP protocols for all AML platforms by actively planning, executing, and documenting periodic DR drills.
Serve as the single point of contact (SPOC) for resolving critical AML application incidents and production issues within defined SLAs.

Innovation & Emerging Risk Technology

Scan industry benchmarks and technological advancements to identify automation, AI/ML, and workflow enhancement opportunities for Financial Crime Compliance vertical.

Measures of Success

Budget and timeline adherence in project implementation
Timely remediation of all AML application issues
Process Efficiency (Transaction Monitoring/Watchlist Processing)
Timely and successful closure of DR activities
Timely implementation of Regulatory requirements with respect to AML solutions
Process adherence as per MOU

Technical Skills / Experience / Certifications

Specialized experience in AML systems implementation, Financial Crime Compliance platforms, transaction monitoring system governance with hands-on experience in leading IT automation projects, AML tool implementation, or AI/ML-driven compliance solutions
Strong understanding of credit card architectures, core banking systems, batch processing, API integrations, and database querying (SQL).
Knowledge of PMLA, RBI AML/KYC master directions, and FIU reporting frameworks.

Competencies critical to the role

Stakeholder management
Cross-functional collaboration
Problem-solving
Quality assurance rigor

Qualification

Bachelor’s / master’s degree in engineering, Computer Science, Information Technology or any relevant discipline.
Preferred Certifications: PMP / Prince2, CAMS (Certified Anti-Money Laundering Specialist), or Agile/Scrum Master.