Financial Crime Risk Analyst

GoCardless is a global bank payment company. Over 100,000 businesses
, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.

GoCardless processes US $130bn+ of payments annually, across 30+ countries
; helping customers collect and send both recurring and one-off payments
, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks
, we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds
, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we re all about supporting you
! We’re committed to making our hiring process inclusive and accessible
. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!

And remember: we don’t expect you to meet every single requirement. If you’re excited by this role,
we encourage you to apply!

We’re part of the Risk Organisation and are at the forefront of GoCardless’ global expansion. We ensure that GoCardless adopts, implements and maintains innovative and appropriate processes and controls, paving the way for our company to deliver superb products in a compliant manner.

The Financial Crime Risk Analyst will report directly to the Group MLRO and will play both a regional and global role. The Financial Crime Risk Analyst will be primarily tasked with supporting the build out and maintenance of effective AML/CTF and sanctions systems and controls to ensure compliance with laws and regulations in the U.K. and other GoCardless locations.

• Closely follow legal, compliance, and regulatory developments in relation to AML/CTF and sanctions in the Fintech industry, to ensure our controls processes keep pace;
• Advising on CDD escalations based on internal policies and procedures;
• Monitoring and responding to AML / Sanctions related escalations in JIRA;
• Review and approval of high risk customers at onboarding (e.g. PEPs);
• Review and approval of requests for waivers, dispensations and minor policy exceptions from the first line defence;
• Escalating complex cases to Financial Crime Risk Managers and/or the MLRO;
• Compiling Financial Crime MI for senior management, analysing trends and recommending enhancements to first line controls;
• Support the delivery of targeted financial crime training to the Compliance Operations and Sales teams on areas that are identified as requiring improvement;
• Support the execution of the firm’s annual financial crime Enterprise Risk Assessment, including risk identification, inherent risk assessment and control evaluation;
• Draft annual external reports to regulatory authorities, and liaise with the FCA, NCA and other external agencies where applicable;
• Promoting a culture of good financial crime management across the firm;
• Support on the Financial Crime Risk roadmap project to design and deploy control enhancements throughout the company.

• You have at least 1-2 years experience in financial crime within an FCA regulated financial services firm or consultancy;
• You have good knowledge of JMLSG, FCA, FATF, Wolfsberg Group etc. guidelines and requirements;
• You have strong analytical skills and attention to detail;
• You have experience in executing internal controls;
• You have a demonstrable hunger for knowledge and eagerness to take on further responsibilities;
• You take the initiative and are able to prioritise different tasks effectively within a fast-paced environment;
• You have strong writing and presentation skills.
• You have a professional qualification from an internationally recognised body (e.g. ICA, ACAMS);
• You have worked within a fast growing, scale-up business;
• You have experience designing Financial Crime controls from scratch, and supporting their implementation.
• You have good knowledge of French and/or US financial crime regulations

Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to…