Financial Crime Compliance Executive

Job Description
- Financial Crime Compliance Executive (MER
00049O2)

Description

At Mercedes-Benz Financial Services, our passion lies not only in the finance solutions we provide, but in the people who make them possible. We're enthusiastic, forward-thinking and dedicated to shaping the future of mobility with sustainable solutions and outstanding customer experiences.

Together, we create an inclusive workplace where everyone feels they belong, can contribute and be their best self. Our culture is built on respect and equal opportunity. We celebrate the diversity of our teams, recognising that different perspectives and experiences strengthen who we are, what we do and how we do it.

At MBFS, we are proud to be a Menopause Friendly Accredited Employer, reflecting our ongoing commitment to creating a supportive and inclusive workplace. We offer wellbeing support options and resources for colleagues experiencing menopause and to those who are supporting someone through it.

This role offers the opportunity to make a meaningful impact by strengthening our approach to financial crime compliance and helping protect the business and our customers from financial crime risk. We're looking for someone who demonstrates sound judgement, attention to detail and the confidence to challenge and influence stakeholders, with experience or knowledge of financial crime regulation, AML, transaction monitoring and risk-based controls.

Working within a highly regulated and collaborative environment, you'll help to provide effective second-line oversight, identify emerging risks and strengthen financial crime controls, contributing to robust regulatory compliance and a strong risk culture across the business.

• Maintain the AML Directives, in line with MLR 2017, POCA, Terrorism Act and JMLSG.
• Act as 2
  
  LOD SME for 1
  
  LOD on complex customers, source of funds and UBO / dealer introducer risk; recommend high-risk / out-of-appetite decisions to the DMLRO.
• Operate and challenge the CRA methodology, country ratings and risk-tiering; recommend model changes.
• Support delivery of the annual BWRA.
• Support 2
  
  LOD oversight of screening and adjudicate escalated matches.
• Challenge 1
  
  LOD alert investigations, scenario coverage and tuning; recommend new / retired rules to the DMLRO.
• Produce TM MI (volumes, ageing, SAR conversion, false-positive rate) and escalated systemic issues and emerging typologies.
• Triage, investigate and decision internal SARs; prepare DAMLs and external SARs for MLRO / DMLRO approval.
• Own the SAR register and manage engagement with NCA / UKFIU, NaVCIS and police (including production orders).
• Set and challenge 2
  
  LOD control expectations for fraud (application, identity, dealer-facilitated) and CIFAS / Hunter use.
• Support the ABC programme and Criminal Finances Act 2017 tax‑evasion facilitation controls; run related thematic reviews.
• Deliver the annual FCC monitoring / assurance plan – thematic reviews, control testing and QA of 1
  
  LOD case files.
• Own the FC issues, breaches and events register and provide independent 2
  
  LOD input into Internal Audit and regulator engagement.
• Manage FCWG papers and minutes; support Compliance / Risk committees and chair the FCWG in the DMLRO’s absence.
• Deliver DMLRO / MLRO MI, FCA / HQ AML / FLA / 3??.
• Own the FCC training programme and horizon‑scan FCA, JMLSG, FATF, OFSI, HMT, NCA, FLA and UK Finance updates.

The requirements for this role are highlighted below. If your experience looks a little different and you believe you have transferable skills that would help you succeed in this role, we'd love to hear from you.

• Broad financial crime compliance…