AML Financial Crime Investigator

What We’re All About at Kroo

Kroo has a big vision. To be the first bank that is both trusted and loved by its customers. We’re helping people take control of their financial future and achieve their goals, whilst making a positive impact on the planet. Here at Kroo, doing what is right is in our DNA. We act with integrity, transparency and honesty. We think big, dream big, and relentlessly pursue our goals.

We like to be bold, break new ground, and we never stop learning. But most importantly, we are on this journey together.

We are a multi-disciplined team of experienced technology, banking, customer experience, marketing, and legal professionals who share a passion for the company’s mission and believe in a collaborative approach to creating the greatest social bank. We are building a diverse team of inquisitive people who want to understand customer needs and behaviour so we can develop innovative products that change people’s lives for good.

We’re searching for a resourceful and enthusiastic Financial Crime Investigator, who will amongst other things, support the day-to‑day operations of the First Line Financial Crime Operations function. The Kroo is growing and we’d love to hear from you if you’re interested in joining us on our journey!

As a Financial Crime Investigator, your key responsibility is to strengthen our financial crime prevention efforts. This role is pivotal in identifying, investigating, and mitigating potential financial crime risks including money laundering, terrorist financing, and fraud. You will have a keen eye for detail, strong analytical skills, and a thorough understanding of regulatory compliance related to financial crime. Other responsibilities include:

• Alert Investigation:
  Conduct thorough investigations of transaction monitoring alerts to identify and assess suspicious activity. This includes investigating sanctions, Politically Exposed Persons (PEP), and adverse media alerts.
• AML/CTF and Fraud Management:
  Manage and execute Anti‑Money Laundering (AML), Counter‑Terrorist Financing (CTF), and fraud investigations from initiation to conclusion. This includes the preparation and submission of Suspicious Activity Reports (SARs) to relevant authorities.
• Trend Analysis:
  Proactively analyse data to identify emerging trends in financial crime, utilising findings to enhance detection and prevention strategies.
• Collaboration and Liaison:
  Collaborate with other financial institutions and law enforcement agencies as necessary. Maintain effective communication with other business departments to support financial crime prevention efforts.
• Customer Service Support:
  Handle escalations from the Customer Service team, providing expert advice on actions required to mitigate risks and resolve issues.
• Process Improvement:
  Support the continuous optimisation of financial crime prevention processes, systems, and procedures, ensuring they remain effective and compliant with regulatory standards.

While not essential, the following experience and qualifications are highly desirable in our ideal candidate for this position:

• Experience in Financial Crime Prevention:
  Proven experience in investigating and mitigating financial crime risks, including money laundering, terrorist financing, and fraud.
• Regulatory Knowledge: A strong understanding of Anti‑Money Laundering (AML), Counter‑Terrorist Financing (CTF), sanctions, and compliance regulations.
• Analytical
  
  Skills:
  
  Exceptional analytical and problem‑solving skills with the ability to identify suspicious activity and trends.
• Alert Investigation Expertise:
  Hands‑on experience in investigating transaction monitoring alerts, sanctions, Politically Exposed Persons (PEP), and adverse media cases.
• Reporting
  
  Skills:
  
  Proficiency in preparing and submitting Suspicious Activity Reports (SARs) to relevant authorities.
• Data Analysis:
  Ability to conduct trend analysis to proactively identify emerging financial crime risks and improve prevention strategies.
• Collaboration
  
  Skills:
  
  Experience working with law enforcement, other financial institutions, and internal departments to support financial crime prevention efforts.
• Customer Service Acumen:
  Abili…