Financial Crime Specialist - Transaction Monitoring (AI)

Location: Manchester, United Kingdom; hybrid, with 3 days per week in the office. Work 7.5-hour shifts between 8:00 and 20:00, Monday to Friday, plus one full weekend every four weeks remotely from 9:00 to 17:30, with weekdays off in lieu. Some bank holiday work is required, with time off in lieu.

Company

hirify.global is a UK bank founded from a peer-to-peer lending business, focused on delivering customer-centred financial products and services.

What you will do

• Investigate transaction monitoring alerts across hirify.global products for money laundering, fraud, terrorist financing and other financial crime typologies.
• Own complex cases end to end, using contextual analysis, linked-account insights and risk mitigation to make timely, proportionate and well-evidenced decisions.
• Apply account restrictions and escalate suspicious activity in line with internal procedures and legal and regulatory obligations.
• Use AI-enabled monitoring tools, critically assess alerts, summaries and recommendations, and identify quality, risk and control concerns.
• Maintain accurate investigation records and handle sensitive inbound and outbound customer telephone and chat conversations professionally.
• Collaborate with Financial Crime, Fraud, Customer Support, Product and Risk to improve monitoring rules, customer questioning, operational controls and customer outcomes.

Requirements

• Proven experience investigating complex Transaction Monitoring and/or mule activity cases end to end, including alert decisions and appropriate suspicious activity escalations.
• Strong interest in technology-led environments and an understanding of how AI can support decision-making and improve outcomes.
• Sound understanding of UK financial crime requirements, including POCA, the Money Laundering Regulations and FCA expectations.
• Strong analytical judgement, with the ability to interpret complex information, identify relevant risks and produce clear, evidence-based rationales.
• Confidence challenging AI-generated summaries, recommendations and decisions while taking accountability for final outcomes.
• Excellent written and verbal communication skills, including the ability to handle sensitive customer conversations with care and professionalism.
• Ability to manage competing priorities in a fast-paced environment without compromising decision quality or control standards.
• Good understanding of retail banking products, including payments, savings and investment transactions.

Nice to have

• Experience investigating complex mule activity, linked-account networks and suspicious payment behaviour.
• Experience using AI-enabled tools for financial crime investigations or operational decisioning.
• ACAMS, ICA or an equivalent financial crime qualification.

Culture & Benefits

• Flexible ways of working within a hybrid arrangement.
• Weekday time off in lieu for weekend work and time off in lieu for bank holidays worked.
• AI is integrated into daily work, with an emphasis on building AI fluency.
• Behavioural and competency-based interviews must be completed without AI.
• AI use in technical interviews depends on the role and is communicated during the hiring process.

Hiring process

• Behavioural and competency-based interviews focus on personal experience, judgement and real situations; AI use is not permitted.
• Technical interview stages may allow or restrict AI use depending on the role, with expectations communicated by the Talent Partner.