AML Officer – Maternity Cover

• Support the UK entity across client onboarding, AML investigations, transaction monitoring escalations, sanctions screening, SAR preparation, periodic reviews, and AML process and procedure management
• Conduct and review client and merchant onboarding activities, including KYC, CDD, and EDD assessments
• Assess customer risk profiles, business activities, ownership structures, jurisdictions, source of funds/wealth, and other AML risk factors
• Conduct medium-level AML and financial crime investigations and manage escalations from Transaction Monitoring, Risk teams, and banking partners
• Review transaction activity and customer behaviour to identify unusual patterns, red flags, and potential financial crime risks
• Conduct and support sanctions screening and related investigations
• Prepare and draft Suspicious Activity Reports for escalation to the MLRO and submission to relevant authorities where appropriate
• Conduct periodic and annual AML reviews and update customer risk assessments
• Own, implement, maintain, and improve AML procedures, processes, and controls
• Support AML procedures for new products and business activities
• Apply UK AML/CTF requirements and FCA expectations to day-to-day activities
• Provide guidance to stakeholders on AML and financial crime risks
• Maintain accurate and confidential customer and AML records
• Escalate material findings, risks, and potential regulatory concerns to the Head of Compliance & MLRO UK
• Collaborate with Compliance, CDD, Onboarding, Risk, Transaction Monitoring, banking partners, and other stakeholders
• Stay informed about regulatory developments and evolving financial crime risks and adapt processes
• Complete TA, in-depth, and final interviews as part of the hiring process

• 5+ years of relevant AML / Financial Crime experience within financial services
• Proven hands-on experience across KYC/CDD/EDD, client onboarding, AML investigations, transaction monitoring, sanctions screening, and SAR/STR preparation
• Previous experience working within a UK AML and FCA-regulated environment
• Strong experience conducting client or merchant onboarding reviews and assessing AML and financial crime risks
• Experience handling AML investigations and escalations using a risk-based approach
• Experience preparing or drafting SARs/STRs and understanding the appropriate escalation process
• Experience maintaining, structuring, or improving AML processes and procedures
• Ability to work independently, take ownership of cases, and make sound decisions with limited day-to-day supervision
• Strong understanding of AML/CTF principles, financial crime risks, and UK regulatory expectations
• Analytical mindset with strong attention to detail and ability to identify inconsistencies and investigate beyond initial information
• Strong written and verbal communication skills in English
• High level of professional integrity, ethical judgement, and confidentiality
• Comfortable working in a fast-paced, regulated, and continuously evolving environment
• Experience with in Payments, E-money, EMI, Fintech, PSP, or other regulated financial-services environments
• Experience with acquiring, merchant services, or payment processing
• Experience with AML, sanctions, or transaction monitoring technology platforms such as Comply Advantage, Lexis Nexis, or similar
• AML certification such as ACAMS, ICA, or equivalent, or a commitment to obtain certification
• Experience supporting AML requirements, procedures, or controls for new products or business activities

Demonstrates extensive experience in AML and financial crime prevention, including KYC, CDD, EDD assessments, and transaction monitoring. Proficient in preparing Suspicious Activity Reports and maintaining compliance with UK AML/CTF regulations and FCA expectations.

• AML Investigations
• KYC/CDD/EDD Assessments
• Transaction Monitoring
• Suspicious Activity Report Preparation
• UK AML/CTF Compliance

• Client Onboarding
• Risk Assessment
• Financial Crime Risk Analysis
• AML Process Management
• Sanctions Screening

• Analytical Mindset
• Attention to Detail
• Strong Communication Skills
• Professional Integrity
• Decision-Making

• ACAMS
• ICA

Financial Services
• Payments
• E-Money
• Fintech
• Regulated Environment

• Comply Advantage
• Lexis Nexis
• AML Technology Platforms