Senior Financial Crime Investigator (Fintech)

TL;DR

Senior Financial Crime Investigator (Merchant Acquiring): Conducting due diligence and investigating suspicious activity for business customers with an accent on KYB and AML principles. Focus on identifying acquiring typologies, performing open-source research, and managing SAR submissions.

Location: Remote in the UK (or onsite in Cardiff/London)

Salary: £31,100 - £39,350

Company

A digital bank on a mission to make money work for everyone by simplifying traditional banking.

What you will do

• Conduct comprehensive KYB checks on new and existing business customers following regulatory guidelines.
• Review merchant applications, financial statements, and beneficial ownership information.
• Investigate red flags and suspicious activities identified during the customer due diligence process.
• Collaborate with Compliance, Legal, and Risk teams to clarify discrepancies and obtain information.
• Maintain accurate audit trails and risk assessments of due diligence activities.
• Report potential cases of money laundering and fraud to the Financial Crime Risk Team and authorities.

Requirements

• Must be based in the UK.
• Subject matter expertise in Merchant Acquiring, payment merchant services, or card scheme rules.
• Proven experience in KYC/KYB, AML, or compliance within the payments or financial services sector.
• Experience conducting end-to-end due diligence and investigations on SMEs and Corporates.
• Deep understanding of the UK Suspicious Activity Reporting (SAR) regime and POCA framework.
• Ability to conduct high-quality open-source research to corroborate customer profiles.

Nice to have

• Experience completing Enhanced Due Diligence (EDD) or writing and approving SARs.
• Track record of implementing control or process improvements.
• Professional qualification relevant to Financial Crime (e.g., ACAMS, ICA Diploma).

Culture & Benefits

• £1,000 annual learning budget for books, training, and conferences.
• Work-from-home setup provided, including Macbooks and extra support for remote workers.
• Incentive awards tied to individual performance.
• Inclusive work environment with a strong focus on diversity and equal opportunity.

Hiring process

• Application questions.
• Recruiter call.
• Final interview with the Team Manager.