Financial Crime Analyst

Financial Crime Analyst

Compliance, UK Remote

Overview

Reporting directly to the Financial Crime Manager, the purpose of this role is to provide support to the wider Financial Crime function through the performance of detailed financial crime investigations and supporting activity. The types of investigations will be varied and will come from a number of different sources including internal reporting and information received from external partners and law enforcement agencies.

Investigations will include but are not limited to:

• Internal suspicious activity reports (ISARS)
• Customer application referrals (Red Flags)
• Fraud related complaints
• Transaction monitoring exceptions

In addition, the post holder will act as a first point of contact for all day-to-day financial crime related issues within the business and will liaise with customers, law enforcement and other external agencies to ensure that the business satisfies information requests within the required timescales.

As a key member of the team, the post holder will work closely with internal stakeholders of all levels to help to raise awareness of financial crime risks within the business and will be comfortable sharing their knowledge and expertise with others through the participation in and delivery of internal training material.

Key responsibilities

• Conduct detailed and accurate financial crime investigations using multiple sources of information to ensure appropriate and balanced conclusions are reached.
• Ensure all investigations are recorded accurately in order that 3rd parties should be able to establish the investigation process and rationale for conclusions reached.
• Take all reasonable steps to ensure our customers do not suffer financial detriment or distress as a result of fraud.
• Identify potential consumer vulnerability or coercion during investigations, ensuring outcomes align with the FCA Consumer Duty.
• Draft high-quality external Suspicious Activity Reports (SARs) for review and submission to the National Crime Agency (NCA) by the Nominated Officer.
• Review and respond to formal information requests from Law Enforcement Agencies (LEAs) in accordance with the Data Protection Act (Schedule 2).
• Accurately record, update, and manage fraud loadings on the CIFAS portal within industry standard timeframes.
• Act as a key point of contact within the business for all financial crime related issues.
• Ensure workload is prioritised and deadlines are consistently met.
• Ensure all department logs are up to date and information is recorded accurately.

Your skills & experience

Essential

• Good knowledge of financial crime gained from working in a similar role, ideally within UK retail financial services, consumer credit, or fintech.
• Demonstrable knowledge of the UK financial crime landscape, including POCA 2002, the Money Laundering Regulations, and FCA guidance.
• Experience of Transaction Monitoring Investigations.
• Experience conducting root-cause investigations across application fraud, first-party fraud, and account takeover.
• Experience of using CIFAS, Credit Reference Agencies, and Identity Verification (ID&V) tools.
• Ability to prioritise and manage own workload to achieve deadlines and quality standards.
• Attention to detail and accuracy of work.
• Able to apply common sense and judgement, with strong commercial awareness.
• Ability to work independently with minimum supervision.
• Understanding of business and wider financial services.
• Able to communicate effectively with all stakeholders (Written, verbally, face to face and remotely).
• Honest and ethical with high levels of integrity.
• Takes pride in their work and the contribution that they make to the business.
• Inquisitive and questioning mindset, able to spot trends.
• Approachable and collaborative.
• Experience of PEP / Sanctions investigations.

Desired

• Financial Crime related qualification (e.g., ICA Certificate/Diploma in AML or Financial Crime Prevention, ACAMS).

About us

Evergreen Finance London Ltd (EGFL) T/A Moneyboat is a UK-based direct lender that launched its journey in 2014. We set out with a clear vision: to make our mark as a company that puts transparency, affordability, and quality service at the heart of everything we do.

We thrive in today's dynamic FinTech space by valuing flexibility, creativity, and innovation. We work hard to create and deliver best-in-class experiences that truly support our customers, giving them the confidence they need to live life to the full.

Vision, Mission & Values

Our vision, mission, and values are the engines that drive the amazing work we do. They form the foundations of Evergreen's brand and strategy, guiding every decision and action.

We firmly believe that when people have access to the financial resources and knowledge that are right for them, they can achieve great things. Our existence is to ensure they get access to a solution that's right for them, even when others might have refused to help.

As the Head of Compliance (SMF16), you will ensure that our core values are embedded in our operations, transforming regulatory requirements into customer trust and business excellence.

Our Core Values are, Accountability, Care, Diligence, and Collaboration.

Benefits

• Time-off on Birthday
• Gym benefits
• Childcare benefits
• Life assurance
• Health cash plan
• Aviva pension
• Professional subscription benefits

**Please note that AI technology may be used as part of our recruitment and selection process to evaluate applications. All final hiring decisions continue to be made by our human recruitment team

Any personal data provided during the application and recruitment process will be processed securely and used solely for the purpose of assessing your suitability for the role, in accordance with our Privacy Policy and UK Data Protection regulations

Originally posted on Himalayas