Financial Crime Analyst

Join ANNA Money as a Financial Crime Analyst and become a vital part of our mission to maintain the safety and integrity of our financial services. In this role, you will analyse various financial transactions to identify potential fraudulent activities and ensure compliance with all regulatory standards. You will work closely with our compliance and legal teams to investigate suspicious behaviours and contribute to the enhancement of our preventative measures.

• Monitor and analyse customer transactions for signs of financial crime (fraud and money laundering)
  • Continuously review customer transactions for suspicious activities that may indicate money laundering, fraud, or other financial crimes.
  • Use automated monitoring tools to flag unusual patterns, such as large cash deposits, transfers to high‑risk jurisdictions, or unusual behaviour inconsistent with a customer’s profile.
  • Apply a risk‑based approach, prioritising high‑risk customers and sectors.
  • Develop behavioural profiles to detect deviations that may suggest illicit behaviour.
• Conduct thorough investigations into flagged transactions and accounts
  • Investigate flagged transactions to assess the nature and intent behind the activity.
  • Follow an investigative framework that includes gathering documentation, analysing the customer’s history, and reviewing transaction context.
  • Identify red flags such as structuring, layering, or multiple accounts tied to suspicious entities.
  • Maintain detailed records of findings for regulatory reporting and internal audits.
• Collaborate with internal teams to develop strategies for improved detection and prevention of financial crime
  • Work cross‑functionally with compliance, risk, IT, and other relevant teams to enhance systems and controls.
  • Hold regular meetings to align on detection strategies and share insights.
  • Use feedback from investigations to improve detection systems, such as tweaking rule thresholds or incorporating machine learning models.
  • Combine data from different departments to detect patterns that may be missed in isolated silos.
• Prepare comprehensive reports documenting findings and recommended actions
  • Document investigation outcomes, outlining evidence, analysis, and proposed actions such as filing Suspicious Activity Reports (SARs) or terminating accounts.
  • Use consistent templates to ensure reports are clear, detailed, and aligned with regulatory requirements.
  • Highlight actionable insights that guide next steps, including enhancing controls or escalating cases to senior management.
• Stay up to date with industry regulations, best practices, and emerging trends in financial crime prevention
  • Keep abreast of changes in financial crime regulations, enforcement actions, and new criminal techniques.
  • Attend industry conferences, training programs, and webinars on AML and financial crime prevention.
  • Subscribe to bulletins or newsletters from regulators such as FATF, FinCEN, or local authorities.
  • Participate in networking groups to share knowledge and insights.
• Assist in training staff on compliance and financial crime awareness initiatives
  • Support the development and delivery of training programs that raise awareness about financial crime and ensure compliance with AML requirements.
  • Tailor training content to different departments and use case studies to illustrate key risks and red flags.
  • Schedule periodic refreshers and updates as regulations evolve or new threats emerge.
• Manage escalations from junior analysts
  • Handle issues or questions raised by junior analysts when they encounter complex AML cases.
  • Establish a clear escalation process and document resolutions to build a knowledge base.
  • Provide coaching and guidance to enable junior analysts to become more independent.
• Analyse and review junior analysts’ work
  • Conduct regular reviews of the work done by junior analysts to ensure accuracy and compliance with AML regulations.
  • Implement quality control processes, including spot checks and formal assessments.
  • Offer constructive feedback and develop checklists to ensure consistent reviews.
• Proactively identify AML trends
  • Monitor emerging trends in money laundering techniques and keep the team equipped to address…