Responsibilities
- Own the end-to-end KYB lifecycle, including onboarding, remediation, and periodic reviews.
- Analyse, verify, and map complex corporate structures, including ownership hierarchies and control relationships, to identify Ultimate Beneficial Owners (UBOs).
- Perform risk-based screening using modern compliance tools, including sanctions, PEP, and adverse media checks across entities and associated individuals.
- Assess and review source of wealth and source of funds.
- Identify and evaluate financial crime risk indicators, including jurisdictional, sectoral, behavioural, and reputational risk factors.
- Partner with Sales and customers to streamline digital onboarding journeys.
- Investigate transaction monitoring alerts and identify suspicious activity.
- Recognise financial crime typologies across payments and FX (e.g. structuring, layering, rapid movement of funds, mismatches with stated business activity)
- Prepare internal escalations and Suspicious Activity Reports (SARs) for MLRO review.
- Maintain high-quality, audit-ready case management records within compliance systems
- Identify trends across alerts and feeding these back into rule tuning and risk assessments
- Drive automation and process improvements across financial crime.
- Support the MLRO with MI, reporting and ad hoc regulatory requests
- Help maintain and evolve policies and procedures to ensure alignment with FCA expectations and evolving regulatory standards
- Contribute to building a scalable, technology-driven compliance function that grows with the business
Requirements
- 2+ years' experience in Financial Crime, AML, KYB, or Compliance within a UK-regulated fintech, payments, EMI, or banking business.
- Strong knowledge of UK AML/CTF regulations, including the Money Laundering Regulations, JMLSG guidance, and FCA expectations.
- Hands-on experience with KYB/KYC platforms and digital onboarding tools.
- Strong analytical skills and a risk-based approach to decision-making.
- Experience investigating transaction monitoring alerts and financial crime typologies in payments and FX environments.
- Tech-savvy, analytical, and naturally curious - you enjoy solving problems, not just spotting them
- Collaborative by default, happy to jump into cross-functional projects and make things happen
- Passionate about process improvement, automation, and building scalable compliance operations.
Benefits
- A team that delivers. Sharp, down to earth people who get the job done and enjoy doing it together.
- A Soho home base. Central London, in the middle of it all.
- A market ready to move. 96% of the FTSE 500 hedge their FX risk. Only 4% of SMEs do. We're built to close that gap and it's ours to win.
- A product people love. No dead software. No shelfware. Customers set it, trust it, and stay.
Work Arrangement
On-site — London
Additional Information
- Hiring process: 2–3 stages, including at least one in-person interview and a short technical task
- Based in London, with a 5-day office culture
- Candidates must have the right to work in the UK
