Financial Crime Screening Analyst

Modulr

Compliance Onboarding Analyst Edinburgh, UK Full time In office 4 days/week * Are you someone who thrives on curiosity, loves experimentation, and constantly seeks innovative ways to solve problems? * Do you want to be hands-on in embedded payments, while continuously learning and developing in a dynamic environment? * Do you want to play an important role in one of Europe's fastest-growing fintech companies? If the answer is yes, we'd love to connect with you! Who We Are Our vision is a world where all businesses are powered by embedded payments. Modulr enables businesses, from SMEs to Enterprise, initially across the UK and Europe to efficiently pay-in, collect and disburse funds instantly via a range of payment schemes, accounts, and card products. Find out more about us on our website and careers site. What You'll Do * Conduct Customer Due Diligence (CDD) for both individual and corporate clients, including Simplified and Enhanced Due Diligence, screening and reviewing for adverse media, sanctions, and Politically Exposed Persons (PEP) profiles. * Review and update customer records in accordance with FCA guidelines, UK/EU AML directives, and internal risk policies. * Collect, verify, and assess KYC/KYB documentation, including ID, address proof, and ownership structures. * Perform sanctions, PEP, and adverse media screening, escalating any hits or anomalies per escalation protocols. * Complete Client Risk Assessments and produce clear, well-reasoned outputs. * Collaborate with internal and external teams to resolve gaps or discrepancies in onboarding cases. * Ensure accurate documentation of all due diligence activities, maintaining audit readiness and GDPR compliance. * Identify and suggest improvements to the CDD onboarding process, including automation opportunities.   Who You Are The ideal CDD Introduced Onboarding Analyst will be comfortable operating in a high-volume, regulated environment and bring a genuine interest in financial crime and FinTech. What you'll need * Minimum 2 years of experience in CDD, KYC, AML, or financial crime roles within a regulated financial institution or fintech. * Solid understanding of UK/EU AML regulations, including JMLSG guidance and FCA expectations. * Familiarity with various client types and structures, including corporates, trusts, partnerships, and beneficial ownership. * Strong analytical skills and attention to detail, with a proven ability to manage high volumes of work accurately and to deadline. * Experience using screening and data tools such as Orbis, Moody's, or equivalent platforms. * Excellent written and verbal communication skills. * Proficiency in Excel, CRM/KYC platforms, and document management systems. * Ability to work independently with accountability, while collaborating effectively within a team to achieve shared goals. Nice to haves * Experience across multiple jurisdictions or client types (e.g., trusts, partnerships). * Familiarity with EU business structures and cross-border AML frameworks. * A curious mindset and drive to explore how automation or technology can improve CDD processes.   What We Offer You * Share Options – We offer a Company Share Option Plan (CSOP), giving you the opportunity to benefit from any increase in share value in the event of a sale, merger, or flotation. * Bonus – Our annual discretionary bonus, paid in May for the previous year, is based on both company and individual performance. * Flexible benefits – £1,000 to spend on benefits to suit you, including private medical insurance, gym membership, dental etc. * Wellbeing app – confidential, on-demand access to therapy, coaching, counselling, management training or mindfulness sessions with accredited professionals, with company-funded hours and top-up options available. * Holidays – 33 days annual leave (including bank holidays) plus your birthday off. In the UK, Christmas Day, Boxing Day, and New Year's Day are fixed holidays. You can choose the remaining days to suit your personal schedule. * Learning opportunities – Our two-day onboarding programme, ModStart, helps equip you for success. Learning doesn't stop there; we'll continue to support your development through various channels. * Company-Wide Events – Participate in collaborative and engaging events with colleagues across the business. * Bike to work / E-bike scheme   ModInclusion At Modulr, we're committed to building a diverse, equitable and inclusive culture where everyone feels they belong and can bring their whole self to work. We welcome applications from candidates of all backgrounds as we believe it's the right thing for our people, our business, and the community we operate in. By submitting your CV, you consent to us using your personal data to assess your application, contact you, or share your CV with relevant hiring managers. You can request removal of your data at any time by emailing peopleops@modulrfinance.com - though this will withdraw you from consideration for the role.

Aion Bank

WHAT WE DO? UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 20 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub. We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center. Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals. We are looking for a Financial Crime Prevention Analyst to join us at this pivotal moment, share our vision, and help shape the future of European banking. WHAT YOU WILL BE DOING? * Operate Anti-Money Laundering / Anti-Fraud systems and tools, processing and analysing relevant data * Analysing the cases in Know Your Customer, performing the Customer Due Diligence (CDD) on retail and business customers in accordance with regulatory and internal guidelines * Analysing the high risk onboarding processes, behavioral patterns, indicators of fraud, adverse media and sanction screening to prevent money laundering, terrorist financing and fraudulent account openings * Contributes to the development and implementation of Financial Crime prevention processes, tools, procedures * Support the Financial Crime Prevention team in resolving issues and finding effective and efficient solutions to Anti-Money Laundering / Anti-Fraud risks * Follow up the latest legal changes and ensure the control frameworks and procedures are in line with the current legal requirements SKILLS YOU SHOULD HAVE * 3 years of experience in Anti-Money Laundering / Anti-Fraud processes * Strong technical financial crime prevention knowledge, skills and experience, Up-to-date knowledge on industry trends and you can implement best industry practice to maintain the company’s competitive advantage * Understanding of market place Financial Crime prevention issues, systems, data mining / analytical tools, and KYC automated solutions * Demonstrated ability to plan, implement, monitor and review the protective and preventive measures required to minimise risk of breaching Anti-Money Laundering / Anti-Fraud regulations * A university degree, preferably from finance/banking/economy or law/administration sector * English min level - B2 , Polish - C2  * Organised and task-oriented approach, ability to plan and execute in short- and long-term * An approach of "Leading by example" - you appreciate the importance of your role in providing guidance to others * Well-developed problem solving and analytical ability to determine root causes and identify appropriate corrective actions and plans * Comprehensive understanding of money laundering schemes and their symptoms * Ability to work outside of typical business hours as work on shifts apply (our service is open for 8hrs shift per day mostly on Mon-Fri, possible weekend shifts agreed in advance) WHAT WE OFFER You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.  Unless limited by banking regulations we offer a flexible form of contract. You will be provided an Individual Development Budget, dedicated to enhancing your professional skills. If your role permits, we also offer flexible work location: home/office —  according to your preference.  You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package.  We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support.  We co-sponsor your Multisport card and cover 50% of its cost.  You will work on computer equipment that delivers the best user experience — Apple MacBook.  Our office in Warsaw offers healthy snacks throughout the day.  OUR PROCESS We keep our recruiting process simple.  Step 1: Talk with one of our Recruiters about your to date experiences and ambitions Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment OUR NOTE TO YOU We are an equal opportunity employer. We stand together in nurturing a workplace that welcomes diverse thinking and inclusive behaviors. By embracing diversity of thought and making all voices heard regardless of background, we drive innovation, sustainable growth, and new business opportunities. This inclusive approach enhances our work climate, directly boosting our people's productivity, well-being, and engagement. Our Values - Integrity, Ownership, Caring - are more than just words. They are actions. Mandates. Pledges. When we all commit to these shared Values, we will deliver for our clients. And delivering for our clients - in any way, large or small - is how we fulfil our Purpose. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table. We appreciate your time and application. Please note that we reserve the right to contact selected candidates. Good luck!

LHV Bank

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards.  Customers can conveniently access these services through the LHV App, enabling secure account opening and management. We are currently seeking a Senior Anti-Financial Crime & Onboarding Analyst, to support both our Anti-Financial Crime (AFC) efforts and client onboarding. This is primarily an office-based role, requiring a minimum of two days per week in either the Manchester or London office. Additional travel to these offices may occasionally be required. About the job The Senior AFC and Onboarding Analyst supports the delivery of effective first line financial crime controls and client onboarding activities within SME Lending. The role is responsible for assisting with KYC, EDD, sanctions screening, onboarding including quality assurance, and ongoing process improvements to support the continued growth of the franchise while maintaining strong control standards. Reporting to the Anti-Financial Crime & Onboarding Manager the role will work closely with Head of SME Product, Risk and Financial Crime, Lending Managers, Operations, and Compliance, to ensure onboarding is completed efficiently, consistently, and in line with internal policies and regulatory expectations. In this role, you will play a pivotal part in the frontline defence against financial crime, serving as a subject matter expert and point of reference for team members. You’ll be responsible for assisting with and overseeing the quality and accuracy of due diligence performed by the frontline team, ensuring high standards are consistently met. You’ll work in close partnership with internal stakeholders and external partners to strengthen and evolve our AML and KYC processes, and assist the AFC and Onboarding Manager in providing regular updates via preparation of MI on financial crime risk. If you’re a KYC professional seeking an opportunity to shape policies and procedures, support team development, and share your expertise across the wider function we’d be excited to hear from you. Key Responsibilities * As a 1st Line Anti-Financial Crime & Onboarding Analyst you will be responsible for supporting customer due diligence (CDD), enhanced due diligence (EDD), and transaction monitoring activities to ensure the Bank's compliance with anti-money laundering (AML) and Know Your Customer (KYC) regulations. You’ll play a critical role in identifying and mitigating financial crime risk at the frontline of customer interaction. * Supporting AML/KYC reviews on new and existing customers in line with internal policies and regulatory requirements. * Review and assess the suitability of customer documentation including corporate structures, identification documents, source of funds/source of wealth evidence and lending-related information. * Utilise internal onboarding and monitoring systems, together with third-party screening tools to conduct and assess sanctions, PEP, adverse media and background checks. * Manage and monitor investigations of alerts from monitoring systems conducted by the frontline, escalating suspicious activity as appropriate. * Liaise with internal teams to obtain missing information or resolve KYC issues. * Contribute to the overall continuous improvement and development of the AML/KYC Operations by supporting the implementation of internal controls, process improvements and documentation updates. * Assist in the preparation of internal reports and MI relating to Financial Crime and AML. * Stay current on AML/CTF legislation, typologies, and regulatory expectations. * Provide guidance and day-to-day support to frontline colleagues on AML/KYC requirements and onboarding best practice. Required Skills * Previous demonstrable experience in a KYC, AML, or compliance role within a financial institution (preferably with experience in Commercial/SME Lending). * Working knowledge of the UK regulatory environment, including the Money Laundering Regulations, JMLSG Guidance, and FCA Handbook. * Familiarity with screening and case management tools e.g. LexisNexis, ComplyAdvantage, RiskNarrative, Dow Jones. * Team player with a proactive attitude and ethical mindset. * Ability to work under pressure and manage workload in line with SLAs. * Strong communication skills including the ability to forge new connections with existing stakeholders and escalate risks diligently in line with agreed processes. * Keen eye for detail and problem solving with an investigative mind and the desire to find solutions to problems independently and quickly using a risk-based rationale in line with relevant legislation.   Some of our benefits (only applicable to UK based roles not Internship programmes)  * Competitive salary &lots of opportunities to learn, grow and progress professionally. * Open and inclusive culture.   * Hybrid working. * Fantastic offices and great working environment. * Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)  * Health cash Plan (Medicash health plan Level 3) * 6% employer pension contribution. * Life assurance – 4 x salary. * Income protection insurance – 75%   * 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year. * Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.  * Enhanced family friendly and family forming policies. * Access to a wide range of retail discounts.  * Team Socials.