Financial Crime Specialist

We’re Atom bank

The bank that’s on a mission to make finance faster, simpler and way more human.

We’ve ditched the stuffy banking model to build something that actually works for our customers, whenever and wherever they need us.

To make this happen, we’re looking for like-minded people who can help us reach our goals and think differently.

If you’re ready to build the future of banking, we’d love to meet you.

We really value in-person collaboration so this role requires weekly time in our Newcastle office.

Atom is the UK’s first app-based bank, and our Operations team is at the core of what we do. The Fraud and Financial Crime team serves as our first line of defence, safeguarding the bank against fraud and money laundering. While this role sits within our Operations team, it isn’t a traditional casework position.

We are looking for a Financial Crime Specialist with a heavy technical focus. You will spend around 95% of your time optimising, documenting, and testing our transaction monitoring and fraud prevention systems, ensuring our first line of defense is robust, up-to-date, and fully scalable. If you are driven by system logic, process documentation, and fine-tuning rules alongside IT and vendor partners, this is the role for you.

You’ll take ownership of our Fin Crime tech ecosystem from day one. You’ll lead the end-to-end review, testing, and documentation of our system configurations, setting robust operational standards that enhance our detection capabilities and keep us ahead of evolving threats.

• System Review & Documentation
  :
  Meticulously test and review all financial crime systems, producing comprehensive configuration documentation and proposal reports for leadership.
• Rule Tuning & Change Management
  :
  Partner with internal IT and external software suppliers to refine transaction monitoring logic, build new rules, and lead User Acceptance Testing (UAT).
• Fraud Prevention & Intelligence
  :
  Oversee transaction monitoring platforms, integrating industry data from databases like CIFAS and SIRA to enhance detection capabilities.
• Control Testing
  :
  Support our Risk and Control Self-Assessment (RCSA) framework by documenting and evaluating internal control tests.
• Ad-hoc Investigations
  :
  Provide expert advice and support to the wider team on rare, highly complex escalated casework when needed.

• Significant demonstrable experience in a financial crime, transaction monitoring, or operational/conduct risk role within regulated banking.
• Deep understanding of various types of fraud, money laundering techniques & other financial crime risks.
• Hands-on experience with Transaction Monitoring Systems (e.g., Actimize, Lexis Nexis, or similar platforms) and fraud databases like CIFAS.
• Proven ability to translate financial crime typologies into system logic and coordinate change delivery alongside technical teams.
• Exceptional written communication with a knack for creating clear, precise technical documentation and configuration reviews.
• Experience optimising fraud prevention systems

• Salary up to £55k D.O.E.
• Flexible Hybrid & Remote working
• 4-day work week
• Annual Share Option – performance-related
• Incredibly generous company pension scheme (maximum of 13% of Atom input – you can put in more)
• ‘All About Me’ fund: £200 per year to spend on personal development.
• 22.5 days annual leave plus public holidays
• Private Medical Insurance, Health Cash Plan & Life Insurance
• Enhanced Parental Leave
• Electric Vehicle Scheme

PLEASE NOTE:
You must have the legal right to work in the UK to apply for this role as Atom is unable to support Visa Applications/Sponsorship

Atom is an equal opportunities employer. We value you as an individual and therefore disregard race, religion/belief, gender, sexual orientation, maternity/pregnancy, age, gender reassignment, marriage/civil partnership and disability in any hiring decisions we make. Atom will always adhere to the Equality Act 2010.

All roles within Atom must adhere to the Conduct Rules as set out by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA)

As part of Atom bank’s commitment to the FCA’s Consumer Duty, Atom will, take all reasonable steps to avoid causing foreseeable harm to customers, take all reasonable steps to enable customers to pursue their financial objectives and act in good faith.