Who We Are
At Pepper Money, we're dedicated to helping people succeed, whether it's buying a family home, a dream car, developing professionally, or growing their business. We've become one of the largest, most trusted, and award‐winning non‐bank lenders in Australia and New Zealand. Over our 26 years, we've achieved a lot, but our proudest accomplishment is helping over half a million Australians reach their goals with our ever‐expanding lending options.
The Role
As our Compliance Manager (AML), you'll be responsible for leading the day‐to‐day delivery of Pepper Money's AML/CTF compliance framework across Australia and New Zealand, ensuring we meet our regulatory obligations including identifying and mitigating financial crime risks.
You'll be the technical expert your team turns to in relation to Pepper Money's AML/CTF requirements, working closely with the Senior Compliance Manager and Head of Compliance.
Key Responsibilities
Leading, coaching and developing a team of Compliance Officers by building technical AML/CTF and broader financial crime capability
Overseeing the identification, investigation and reporting of suspicious matters within required timeframes
Providing support to the business and team to ensure customer due diligence requirements are met for individual and non‐individual customers
Supporting the ongoing review, uplift and maintenance of AML/CTF procedures, controls and guidance materials
Assisting with the preparation of compliance reporting for senior management and governance forum
About you
You're an experienced AML professional who knows the financial crime landscape inside and out, and you love bringing your team along with you.
You take real pride in getting the work right: evidence‐based, well‐documented and always aligned to Pepper Money's regulatory obligations and policies and procedures.



You're just as comfortable coaching a team member through their first SMR as you are reviewing a complex investigation or customer structure yourself.
Qualifications
Solid experience in AML/CTF compliance within financial services
Demonstrated success in the development and management of high‐performing teams
Solid working knowledge of Australia's AML/CTF Act and Rules including customer due diligence, ongoing customer due diligence and enhanced customer due diligence requirements (NZ AML expertise a bonus)
Experience in transaction monitoring, identifying unusual matters, completing investigations, and Suspicious Matter Reports
Confident reviewing and decisioning complex matters ensuring decisions are well‐reasoned and clearly documented
A proven ability in managing and developing a team, building technical capability and driving consistency
Experience with procedure and guidance reviews and enhancement
Strong communicator, comfortable engaging with third‐party providers and senior stakeholders alike
Our Benefits
Development:
a full suite of development opportunities and a great team to learn from
Recognition:
Celebrate efforts with our Spice Reward and Recognition Program and diversity through our DE&I; initiatives
Flexibility:
Embrace our hybrid working model, flexible parental leave policies and purchased leave options
Health and Wealth:
Free gym membership, discounted health insurance policies, novated leasing and staff loan rates to manage your mind, body and wallet!
Referral Bonus:
Earn $**** for referring great people.
In our environment, collaboration is vital. Our values are the heartbeat of our success, driving everything we do: Can Do, Balanced, Real.
If this role sounds like it's for you and you have the relevant experience we want to hear from you. For more information on Pepper visit .
Pepper is proud of our inclusive and diverse workplace built over the last 26 years. Diversity is embedded in our people practices, the way we communicate and connect with each other, and it is recognised throughout our values.
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📌 Compliance Manager (Aml) (New South Wales)
🏢 Australian Compliance Institute
📍 New South Wales