Job Overview

[Employer hidden — sign up to reveal] Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of [Employer hidden — sign up to reveal], a listed financial services provider headquartered in Estonia. [Employer hidden — sign up to reveal] operates under a full UK banking licence granted in May 2023.

We are looking for a proactive and dynamic Financial Crime Analyst to join our growing Retail Banking team at [Employer hidden — sign up to reveal]. This is a critical role in protecting both our customers and the business from financial crime, with a strong focus on APP scams, AML investigations and broader financial crime risks.

Key Responsibilities

• Conduct end-to-end investigations into potential financial crime, with a primary focus on anti-money laundering, including the review of customer profiles and transactional behaviour, escalating where suspicious activity is identified.
• Conduct investigations into fraud typologies, including Authorised Push Payment (APP) scams and card fraud, including contacting customers directly where required to support investigations.
• Review and disposition alerts from internal fraud and transaction monitoring systems, identifying potential fraud and money laundering risks.
• Review and investigate screening alerts, including sanctions, PEP and adverse media alerts, and escalating true matches where appropriate.
• Support KYC related processes, including onboarding, periodic reviews and Enhanced Due Diligence (EDD) for higher-risk customers.
• Contribute to the continuous improvement of AML and financial crime controls, processes, and policies based on investigation outcomes and emerging risks.
• Collaborate with teams across the bank (e.g. Customer Operations, Product, Compliance) to strengthen AML controls and financial crime defences.
• Maintain accurate records of investigations and ensure timely reporting to meet both regulatory and internal standards.

Essential Skills & Experience

• Proven experience in AML and fraud investigations within a UK retail banking environment.
• Strong knowledge of relevant UK regulations, including AML, fraud prevention, and KYC requirements.
• Experience conducting investigations using internal alerts and external intelligence sources.
• Familiarity with the UK Money Laundering Regulations, Proceeds of Crime Act (POCA), and APP fraud reimbursement frameworks.
• Analytical mindset with the ability to interpret complex patterns and emerging risks.
• Clear and confident communicator, both written and verbal.
• Ability to work independently, prioritise workload, and use initiative in a fast-paced environment.
• Competency using internal case management tools and external systems (e.g., fraud prevention databases, transaction monitoring platforms).

Desirable Experience

• Conducting end-to-end investigations into AML and fraud, including complex or high-risk cases.
• Conducting sanctions and PEP investigations, including false positive analysis and escalation of true matches.
• Using transaction monitoring systems and handling monitoring alerts.
• Performing Enhanced Due Diligence (EDD) on high-risk customers.
• Exposure to UK fraud typologies (e.g. APP scams, mule activity) and their link to money laundering risk.

Benefits (UK based roles)

• Competitive salary & lots of opportunities to learn, grow and progress professionally.
• Open and inclusive culture.
• Hybrid working.
• Fantastic offices and great working environment.
• Vitality Health Plan (includes private health insurance, travel insurance, gym discounts).
• Health cash Plan (Medicash health plan Level 3).
• 6% employer pension contribution.
• Life assurance – 4 x salary.
• Income protection insurance – 75%.
• 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year.
• Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.
• Enhanced family friendly and family forming policies.
• Access to a wide range of retail discounts.
• Team Socials.