Complex Financial Crime Investigator

Complex Financial Crime Investigator

Hybrid

Manchester

Operations

Full Time - 2 days per week in the Manchester office

XYZ Building 2, Floor 1, Suite 5, Hardman Boulevard, M3 3AQ

Jaja is a UK‑based consumer finance business with a simple mission: to empower customers to buy, borrow and build using smart tech, strong data, and clear design. We launched our digital credit card in 2018 and we’re continuing to grow, with new products and experiences in the pipeline. Our goal is to strip out unnecessary complexity and give people more control over their money — or as we put it, Make Simple.

Our values guide how we work:
Care Deeply. Adapt & Thrive. Challenge Everything. Go For It. Own It. Make It Simple. We’re scaling quickly, and there’s a lot of exciting change happening across the business.

The Complex Financial Crime Investigator is responsible for investigating cases of Fraud and Financial Crime, often involving criminal networks. The successful candidate will have experience in SAR reporting and complex fraud investigations involving large network analysis and visualisation. Working closely with the team manager and wider Financial Crime function, the investigator will ensure that investigations are completed to highest standards in a timely manner.

• End-to-End Complex Investigations:
  Reviewing and investigating complex fraud and financial crime cases, and money laundering concerns from start to finish, in line with regulations internal policies and industry standards.
• Compliance & Reporting:
  Creating detailed reports for internal stakeholders and external reporting obligations, collaborating closely with the Head of Fraud and the Money Laundering Reporting Officer (MLRO).
• Strategy
  
  Collaboration:
  
  Partnering with Fraud and Financial Crime Strategy Leads to observe emerging crime trends and provide crucial feedback loops to evolve mitigation strategies.
• Team Operations:
  Working autonomously but with oversight from Team Leads to ensure regulatory compliance and robust risk management

• 2+ years of experience working in financial crime investigations.
• Experience filing SARs and/or preparing MG11 statements.
• Ability to investigate large datasets to identify complex networks.
• Strong understanding of UK AML/CTF regulation.
• Ability to communicate clearly, with excellent time management and prioritisation skills.
• Excellent at working with rapidly shifting priorities in a fast-paced environment.
• Strong understanding of fraud & financial crime typologies.
• Proactive, innovative, and customer-focused mindset.
• AML or fraud certification (ICA, ACAMS, CFE).

• Experience using graph databases or link analysis tools (i2 Analyst Notebook, Neo4j, Tiger Graph)
• Experience using Tableau
• Working knowledge of SQL

This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever.

We have a collaborative team structure fueled by an exciting mix of people, welcoming experienced people from the industry with both feet on the ground and tech‑savvy dreamers who pave way for the new stuff. Come as you are and be yourself!

• The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever
• Competitive salary
• Pension contributions, including Salary Exchange facility
• Annual bonus potential
• Private medical cover provided by Vitality (optional benefit)
• 25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days).
• Your birthday off each year as an additional day's holiday
• 4x life insurance cover
• Access to our confidential Employee assistance programme