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Company Description Checkout.com is one of the most exciting fintechs in the world. We process payments for companies that shape the digital economy. Using flexible and scalable technology, we help businesses around the globe to boost acceptance rates, reduce processing costs, combat fraud, and turn payments into a major revenue stream. Headquartered in London, with 16 offices worldwide, Checkout.com is trusted by leading brands such as Sony, Shein, Sainsbury's, Wise, Patreon, GE Healthcare, Rail Europe, and The Financial Times. We empower passionate problem-solvers to collaborate, innovate and do their best work. That's why we're on the Forbes Cloud 100 list and a Great Place to Work accredited company. And we're just getting started. We're building diverse and inclusive teams around the world - because that's how we create even better experiences for our merchants and our partners. And we need your help. Join us to build the digital economy of tomorrow. Job Description The Role Checkout.com is looking for a Financial Crime Compliance Manager responsible for support of new product launches and expansion of existing products to new markets in line with financial crime requirements. The job involves product risk assessment and coordination of requirements implementation from a financial crime lens. The successful candidate must deeply understand AML/CTF and work closely with analytics, engineering, compliance, operations, and commercial teams. How You'll Make An Impact <ul><li>Shape AML/CTF requirements for new products by interpreting regulations and analysing feedback from regional MLROs, product stakeholders, and other teams.</li><li>Take ownership of your product's lifecycle stages, including timely product risk assessment, effective communication, defining and documenting requirements, approvals and record keeping etc</li><li>Build strong partnerships with business, product, and technology stakeholders</li><li>Work with other product and engineering leaders to ensure alignment with their roadmaps and delivery</li><li>Gain a deep understanding of Checkout.com 's customers and business</li><li>Foster a team culture that upholds Checkout.com's operating principles</li></ul>Qualifications <ul><li>Experience working with issuing programs implementation or management (is a must), acquiring, alternative payment methods, payouts (is a plus) etc</li><li>Experience working with Schemes Wholesale Programs, corporate cards, Issuing as a Service, Card Programme Management etc</li><li>5+ years of experience in product compliance/product risk assessment/product advisory within financial crime compliance</li><li>Good knowledge of PSRs, MLRs, PSD2 etc and ability to interpret regulations, assess the impact on new products implementation and collate AML/CTF controls requirements</li><li>Ability to effectively communicate with stakeholders across different levels and functions within Product, Engineering, Operations, Compliance Advisory etc</li></ul>Additional Information Hybrid Working Model: All of our offices globally are onsite 3 times per week (Tuesday, Wednesday, and Thursday). We've worked towards enabling teams to work collaboratively in the same space, while also being able to partner with colleagues globally. During your days at the office, we offer amazing snacks, breakfast, and lunch options in all of our locations. Apply without meeting all requirements statement If you don't meet all the requirements but think you might still be right for the role, please apply anyway. We're always keen to speak to people who connect with our mission and values. We believe in equal opportunities We work as one team. Wherever you come from. However you identify. And whichever payment method you use. Our clients come from all over the world - and so do we. Hiring hard-working people and giving them a community to thrive in is critical to our success. When you join our team, we'll empower you to unlock your potential so you can do your best work. We'd love to hear how you think you could make a difference here with us. We want to set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. We'll be happy to support you. Take a peek inside life at Checkout.com via <ul><li>Our Culture video <a href="https://youtu.be/BEwnpHuadSw" target="_blank">https://youtu.be/BEwnpHuadSw</a></li><li>Our careers page <a href="https://www.checkout.com/careers" target="_blank">https://www.checkout.com/careers</a></li><li>Our LinkedIn Life pages bit.ly/3OaoN1U </li><li>Our Instagram<a href="https://www.instagram.com/checkout_com/" target="_blank">https://www.instagram.com/checkout_com/</a></li></ul>

Financial Crime Compliance Manager - Card Issuing

SMBC: A trusted partner for the long term Our internal opportunities aim to grow you professionally and personally. Be curious, expand your network and explore how your skills and knowledge can transfer into different roles and areas of SMBC. Even if your experience doesn't perfectly align with the job description 100%, we still welcome your application. Find the resources and support available to help you transition your career and flourish on our Internal Mobility page. Section 2 - Purpose of Job <ul> <li>To provide advice and guidance to the London business and support functions as well as EMEA Local office MLROs on financial crime compliance matters.</li> <li>To provide advice and guidance on the regulatory and legal expectations with respect to financial crime compliance.</li> <li>To provide advice and guidance on the design and operation of financial crime systems and controls, by which the EMEA region interdicts and mitigates financial crime risk.</li> <li>Management of Financial Crime service provision to EMEA offices. </li> <li>To support the RCCO and regional MLROs to develop the regional financial crime strategy.</li> <li>To undertake the role of Nominated Officer for SMBC BI and SMBC London Branch.</li> </ul>Section 3 - Background <ul> <li>As a regulated financial institution, the Bank has an obligation to establish and maintain policies, procedures, systems and controls to mitigate and effectively manage the financial crime risk. The Bank has operations across the EMEA region and is required to consider extraterritorial laws, and accordingly must maintain a coordinated and aligned approach to the framework taking this into account. </li> </ul> <ul> <li>The role holder covers all financial crime taxonomies excluding Sanctions and has a multi-disciplinary remit, covering various business areas and geographies.</li> <li>The role holder is required to have close collaboration with the Regional Chief Compliance Officer, Chief Operating Officer, Chief Risk Officer and other Senior Management, Executive/Local Management Committee members, Local Compliance Officers, Money Laundering Reporting Officers, Chief Representative Officers, Head Office Compliance, PD-ITSD and Internal Audit.</li> <li>The role-holder is responsible for reviewing highly sensitive and confidential information. </li> <li>The role holder will work jointly with the EMEA Head of Sanctions to deliver a joint approach to investigation and intelligence gathering and the subsequent dissemination.</li> </ul>The role holder will: <ul> <li>Act as a point of contact to receive internal Suspicious Activity Reports. Take appropriate action following the receipt of an internal Suspicious Activity Report in accordance with relevant laws, regulations and polices. To determine and document whether a Suspicious Activity Report is required to be made to the relevant authorities.</li> </ul> <ul> <li>Identify where there is an impact to other areas of SMBC, communicating and acting as appropriate.</li> <li>Be the subject matter expert on financial crime related matters (excluding KYC and Sanctions) and act in an advisory capacity within the second line of defence. </li> <li>Further develop and enhance the Financial Crime Compliance framework, including enterprise wide fraud risk. Ensure the Financial Crime framework remains fit for purpose in according with regulatory expectations including acting upon new and emerging threats/risks, findings (both internal and external) etc. Make recommendations for, and where appropriate implement improvements to the financial crime systems and controls,</li> <li>Implement and oversee the delivery and adherence to wider financial crime training.</li> <li>To act as the point of contact for the authorities and the regulators regarding money laundering and financial crime issues.</li> </ul>Section 4 - Facts / Scale <ul> <li>Number of reports/team members: Currently 12</li> <li>Main interfaces/relationships: All Financial Crime Groups across EMEA including all MLRO's. Regular interface with the Regional Chief Compliance Officer, Chief Operating Officer, Chief Risk Officer and other Senior Management, Executive/Local Management Committee members, Local Compliance Officers, Money Laundering Reporting Officers, Chief Representative Officers, Head Office Compliance, PD-ITSD and Internal Audit.</li> <li>Role holder to provide advice, guidance and support to all the EMEA offices and financial crime teams relating to financial crime compliance matters.</li> <li>Monitor UK regulatory and legislative changes ensuring necessary communication and change implementation as required across the EMEA region.</li> <li>Have the oversight and coordination of significant financial crime investigations, collaborating on sanctions investigations as required. </li> <li>Represent the Bank at external forums </li> </ul>Section 5 - Accountabilities &amp; Responsibilities <ul> <li>Analyse and interpret the financial crime regulations and laws across applicable financial crime risk taxonomies ensure compliance to enforce effective management, oversight and implementation of financial crime polices required to meet the legal and regulatory expectations.</li> <li>Responsible for relevant Financial Crime Policies and Procedures/Standards.</li> <li>Investigate and escalate breaches of financial crime controls (including employee breaches).</li> <li>Manage, review and implement recommendations from external / internal audits and risk assessments.</li> <li>Strengthen the Financial Crime systems and controls function by continued review, development and enhancement of systems and policy / guidance in line with regulatory requirements and industry best practice.</li> <li>Identify and address any training needs across all departments within the 3 lines of defence framework. Co-ordinate and deliver training on relevant financial crime matters including new and existing systems and controls. </li> </ul>Develop and strengthen relationships with internal and external stakeholders to promote best practice and ensure a good understanding of financial crime requirements. Section 6 - Knowledge, Skills, Experience &amp; Qualifications <ul> <li>Educated to degree level (with a relevant degree) and a professional qualification(s) in financial crime. </li> <li>Experience in implementing enterprise wide Financial Crime risk management frameworks</li> <li>Expertise in Financial Crime risk taxonomies including Fraud, AML and CTF including associated investigations.</li> <li>Fully conversant with, and working knowledge of, industry practice and tools used to combat fraud, money laundering, terrorist financing and other areas of financial crime.</li> <li>Able to provide specific and targeted advice and guidance, subject matter expertise, and to liaise with other stakeholders to ensure effective working relationships are built and maintained.</li> <li>Ability to work well under pressure ensuring all deadlines are met, whilst maintaining excellent attention to detail at all times.</li> <li>Thorough experience of dealing with financial crime at an international level.</li> <li>Experienced decision maker, with the ability to influence and motivate at all levels.</li> <li>Excellent written and verbal skills.</li> <li>Experienced in formal report writing that can be used to communicate investigative reports, policies, procedures, processes and training to a wide-ranging audience whilst being adaptive to needs on a case by case basis. </li> <li>Ability initiate and implement changes to improve efficiency.</li> <li>Ability to collaborate effectively and work with others to drive change. </li> </ul>We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing our sustainable growth as an organisation. If you're in need of reasonable adjustment to the recruitment process due to disability or long-term condition, just let your recruiter know.

PERM - CPD - Head of Financial Crime Compliance - Executive Director

Financial Crime Analyst (Maternity Cover - FTC) About Railsr Railsr is the world's leading global embedded finance experience platform that gives customers the ability to prototype, build and scale financial products. Railsr is in growth mode with hundreds of clients globally, end-users in the multi millions, Venture Capital funding from top firms like Clocktower Ventures and Visa and the most globally-enabled, digitally-native product in the FinTech platform space. Railsr is continuing to grow its product capabilities and international expansion. It's an extremely exciting time and the potential for companies to use Railsr to power and deliver their customer's financial experiences is enormous. The Opportunity This role will focus around the firm's Fraud &amp; Police Requests activities. As a Financial Crime Analyst you will be responsible for assisting the financial crime team leader in a number of duties focused on supporting the business to improve and evolve its AML framework, particularly in the police and law enforcement communications, SARs and Fraud work. You may also be required to assist other areas of the business, conduct reviews of customers fraud and money laundering risk as and when required. You are expected to manage tasks and projects with a data-driven and holistic approach. The position is a mix between working in Railsr offices in London and remotely. This role reports into the Financial Crime Manager Responsibilities: <ul><li>You will be responsible for being the point of contact for assisting police and law enforcement agencies with the ongoing inquiries, offering guidance and direction in carrying out large investigations. This may involve using a variety of different systems and platforms including CIFAS, UK Finance and our own internal platforms. </li><li>Translate data into fraud trends and see the hidden story behind it.</li><li>Communicate efficiently and clearly - the ideal candidate will be confident in delivering training sessions to multiple different areas of the business. You will also have good presentation skills, Be ensuring that training is engaging and memorable.</li><li>Carry out risk assessments where required. Your role will be dependent on taking risk based approaches with justification, therefore you will need to be able to measure risk appropriately.</li><li>Retrieves and reviews financial transactions to identify activity commensurate with customer relationships that pose a higher risk of money laundering or terrorist financing.</li><li>Demonstrates proficiency in research and investigative practices associated with an experienced analyst and assess customers for BSA risk and assign risk rating.</li><li>Conducts periodic reviews of daily work from all groups by random sampling to test for accuracy, timeliness and completion, and reports results to management.</li><li>Assist with data entry of SAR filing information and SAR writing.</li><li>Conduct proactive and reactive AML Investigations.</li><li>Investigate PEPs, Sanctions and adverse media alert escalations.</li><li>Be a strategist - you will be required to direct operational members of staff in groups, therefore you will need to be able to assign certain tasks to team members to deliver in a correct and efficient manner.</li></ul>Your Profile Attitude &amp; Behaviours <ul><li>Be a team player. As you will be at the forefront of key decision making you will need to work with many different stakeholders. This will require you to respect and listen to their points of view</li></ul><ul><li>Be comfortable working as an individual and taking ownership of your tasks</li></ul>Skills &amp; Experience <ul><li>Have a previous experience in working in e-money and similar FI Fintech platforms.</li><li>Previous experience in financial crime and compliance; ideally interaction with the police and law enforcement agencies.</li></ul><ul><li>Have previous experience with large investigations. The ideal candidate will be able to demonstrate the ability to direct and carry out investigations involving multiple persons.</li><li>A strong background in using basic IT platforms.</li><li>Have a minimum 2 years of experience in financial crime in e-money or banking sector</li></ul>What we can offer you: Purpose, Vision &amp; Journey <ul><li>At Railsr, our vision is to make finance an amazing experience everywhere and accessible to everyone in the world.</li><li>We are truly customer obsessed and adventurous in designing the world's best embedded finance experience platform to power our customers creating magic finance moments for their consumers. </li><li>Join us and be a part of a team who are challenging and changing the global financial services industry. </li></ul>Career <ul><li>We're a lean, fast-growing, ambitious and agile global FinTech company. It's the perfect environment for you, if you enjoy a challenge, variety, thrive in ambiguity and most importantly, want to deliver real impact.</li><li>We're committed to innovation and development and this starts with our people. You are empowered to drive your own professional development and grow your skills.</li></ul>Reward <ul><li>Beyond a competitive remuneration package, every Railsr employee gets equity. You will be part of an inclusive ownership model which offers accountability and significant reward potential.</li><li>We look after your well-being with locally competitive benefits which can include enhanced parental leave, private medical, pension and more.</li></ul>People <ul><li>Our teams work from different places to create amazing embedded finance solutions for our customers. We embrace flexible and hybrid working, but always putting our teams and customers needs first. This is part of our high-trust and mutual respect approach; with the expectation that we treat people as individuals and with respect.</li><li>You will join and work with an international team with incredible passion and expertise in the FinTech industry.</li></ul>Our Values Being an integral part of the Railsr team and sharing our values is important to us. The environment at Railsr is fast-paced, exciting, and dynamic. It suits people who love to collaborate and support one-another. We are all driven by the same values and are looking to welcome new people to the team who share these values. Our values are: ambition for our company, colleagues and ourselves and the freedom and expectation to own it, trust which we give freely and expect in return, treating each other as adults, curiosity with our minds open to fresh thinking in the constant pursuit of improvement and customer obsession ensuring that everything we do is with the customer in mind, we succeed when they succeed. If you are eager to join a thriving, fast-paced, high growth company and contribute to shaping its future, this is the role for you to make a difference. Diversity, Inclusion &amp; Belonging Our global team is amazing - they bring great ideas, drive new plans and help make Railsr a fantastic place to work. In the last year, we've doubled in size, with over 400 colleagues spread over multiple countries and more than 30 languages spoken. As we grow, we're committed to making diversity, equity, and inclusion part of everything we do. Ensuring that we are recruiting, retaining and promoting a diverse mix of colleagues who are representative of our customers and communities is critical. We're proud to be an equal opportunity employer and actively encourage all applications, particularly those from under-represented groups. Thank you for joining us on this journey. Please let us know if there is any support we can provide to ensure Railsr's recruitment process is fully accessible to you. You can contact us on <a href="mailto:jobs@railsr.com" target="_blank">jobs@railsr.com</a> to discuss specific requirements.

Financial Crime Analyst - Police Requests (Maternity Cover - FTC)

Company Description Checkout.com is one of the most exciting fintechs in the world. Our mission is to enable businesses and their communities to thrive in the digital economy. We're the strategic payments partner for some of the best known fast-moving brands globally such as Wise, Hut Group, Sony Electronics, Homebase, Henkel, Klarna and many others. Purpose-built with performance and scalability in mind, our flexible cloud-based payments platform helps global enterprises launch new products and create experiences customers love. And it's not just what we build that makes us different. It's how. We empower passionate problem-solvers to collaborate, innovate and do their best work. That's why we're on the Forbes Cloud 100 list and a Great Place to Work accredited company. And we're just getting started. We're building diverse and inclusive teams around the world - because that's how we create even better experiences for our merchants and our partners. And we need your help. Join us to build the digital economy of tomorrow. Job Description An exciting opportunity has arisen within Checkout, as we actively look for an experienced Financial Crime Compliance professional within our UK office. The successful candidate will have experience operating within regulated Fintech, Financial Services (or similar) background and have extensive knowledge of regulations surrounding Anti Money Laundering (AML), Counter Terrorist Financing (CTF), Tax Evasion, Bribery &amp; Corruption and Fraud. This is an excellent opportunity to create immediate impact and progress your career in a fast-growing payments company. The ideal candidate will have solid experience in financial crime compliance matters either at a global level, or at least within the UK. The role would suit a proactive and confident individual with strong analytical, organisational and technical skills, and one who can demonstrate the ability to exercise good judgement in a fast-paced environment. What you'll be doing: <ul><li>Acts as point of escalation for high-risk clients</li><li>Conducting KYB / KYC and AML compliance analysis escalated</li><li>You will be expected to identify money laundering risk and maintain our systems and controls</li><li>Investigating reports of suspicious activity and escalations from across the business including the transaction monitoring team, and</li><li>Supporting as a point of reference for expertise in matters of anti-money laundering and prevention of terrorist financing</li><li>Support the MLRO in reviewing the 1LOD's risk assessments of financial crime and ensure that are compliant with current policies and procedures; including AML, CTF, Tax Evasion, Sanctions and ABC</li><li>Providing advice and training on Financial Crime matters</li><li>Influencing and strengthening Financial Crime controls</li><li>Assisting with the oversight of systems and controls for AML and CTF</li><li>Working closely with the Risk and Compliance team and growing relationships across the business</li><li>Building, and taking accountability for the UK AML/CTF risk management program and the undertaking of regular AML/CTF risk assessments</li><li>Proactively identifying situations that may pose significant compliance risk to the UK entity and guides management in the development/reviewing/updating of relevant policies, procedures and business practices</li><li>Driving a compliance review and analysis of new regulatory developments and maintaining oversight of developments impacting business activities</li><li>Participating and collaborating in financial crime compliance advisory and integration projects</li><li>Working cross-functionally across multiple teams to ensure execution against regulatory requirements and internal policies for financial crime</li><li>Partnering cross-functionally, for example Product Owners to educate and drive the appropriate execution of financial crime compliance requirements</li></ul>Qualifications <ul><li>A minimum of 4 years experience in a financial crime compliance role</li><li>Solid knowledge of the regulations surrounding Financial Crime including but not limited to: The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, Criminal Finance Act, POCA, FCA guidance, FATF and JMLSG initiatives, Compliance reporting, planning and monitoring, FCA and NCA reporting requirements</li><li>Compliance experience within a Financial environment, or similar</li><li>Professional certifications (such as ICA) is desirable, however a commitment to study towards a this or a similar qualification would be great! </li><li>A clear communicator</li><li>Able to write concise reports</li></ul>Additional Information Apply without meeting all requirements statement If you don't meet all the requirements but think you might still be right for the role, please apply anyway. We're always keen to speak to people who connect with our mission and values. We believe in equal opportunities We work as one team. Wherever you come from. However you identify. And whichever payment method you use. Our clients come from all over the world - and so do we. Hiring hard-working people and giving them a community to thrive in is critical to our success. When you join our team, we'll empower you to unlock your potential so you can do your best work. We'd love to hear how you think you could make a difference here with us. We want to set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. We'll be happy to support you. Take a peek inside life at Checkout.com via <ul><li>Our Culture video <a href="https://youtu.be/BEwnpHuadSw" target="_blank">https://youtu.be/BEwnpHuadSw</a></li><li>Our careers page <a href="https://www.checkout.com/careers" target="_blank">https://www.checkout.com/careers</a></li><li>Our LinkedIn Life pages bit.ly/3OaoN1U </li><li>Our Instagram<a href="https://www.instagram.com/checkout_com/" target="_blank">https://www.instagram.com/checkout_com/</a></li></ul>Apply without meeting all requirements statement If you don't meet all the requirements but think you might still be right for the role, please apply anyway. We're always keen to speak to people who connect with our mission and values. We believe in equal opportunities We work as one team. Wherever you come from. However you identify. And whichever payment method you use. Our clients come from all over the world - and so do we. Hiring hard-working people and giving them a community to thrive in is critical to our success. When you join our team, we'll empower you to unlock your potential so you can do your best work. We'd love to hear how you think you could make a difference here with us. We want to set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. We'll be happy to support you. Take a peek inside life at Checkout.com via <ul><li>Our Culture video <a href="https://youtu.be/BEwnpHuadSw" target="_blank">https://youtu.be/BEwnpHuadSw</a></li><li>Our careers page <a href="https://www.checkout.com/careers" target="_blank">https://www.checkout.com/careers</a></li><li>Our LinkedIn Life pages bit.ly/3OaoN1U </li><li>Our Instagram<a href="https://www.instagram.com/checkout_com/" target="_blank">https://www.instagram.com/checkout_com/</a></li></ul>Videos To Watch <a href="https://youtu.be/BEwnpHuadSw" target="_blank">https://youtu.be/BEwnpHuadSw</a>

Senior Analyst, Financial Crime Compliance

SMBC: A trusted partner for the long term Here at SMBC Group, we want to help you find the next step in your career so read on to discover if this opportunity is the one for you. We like to recognise potential in our people, so we welcome your application even when your experience doesn't perfectly align with the job description. Whilst we'll always strive to be better, we're proud of our inclusive culture, and encourage our applicants and colleagues to be their authentic, unique selves. Section 1 - Details Job Title / Corporate Title Financial Crime Compliance - Fraud - Assistant Vice President. Department / Group Compliance Department, Financial Crime General / SMBC BI Responsible to / Line Manager Line Manager's Role, Job Title / Corporate Title. Deputy Head of FCC - Director Direct Reports N/a Location London Date Prepared May 2024 Certification regime Out of scope Section 2 - Purpose of Job To review the financial crime framework, systems and controls in relation to fraud and make recommendation for enhancements or changes. To understand and have experience of Fraud Actimize and other fraud detection systems. To contribute to fraud risk assessment at an enterprise-wide level. Conduct deep-dive analysis on both actual and near miss fraud case to establish trends and identify changes to the Banks control environment. To conduct financial crime fraud related investigations and assist in identifying where the products and services offered by SMBC BI are or may be used for criminal activities. Ensuring senior management are sufficiently informed and in possession of accurate information by collating MI and drafting reports. To work closely with stakeholders at all levels across the organisation in relation to the enhancement of anti-fraud controls and detection. Section 3 - Background As a regulated entity the Bank has both a regulatory and statutory obligation to ensure it implements systems and controls necessary to mitigate the risks of the firm being used in connection with money laundering and / or the financing of terrorism or fraud. The role sits within the Banks 2nd line of defence and as such is responsible for supporting both Front Office and back-office departments by conducting detailed reviews of fraud related matters escalated to CPD - FCG. Working in partnership with all 3 LoDs teams to ensure that the Bank can undertake business whilst sufficiently mitigating any underlying fraud risks. Section 4 - Facts / Scale Main interfaces/relationships: Head/ Deputy Head FCC, Manager Financial Crime Investigations / Advisory, Front Office / OAD staff within EMEA. Additionally, EMEA MLROs &amp; RCCO. Primary remit: Undertake role of SME for fraud in the 2LoD, as defined by CPD - FCG policies, legislation and regulatory requirements. To continually risk assess and escalate accordingly when required. To work with relevant stakeholders across EMEA. Secondary remit:. Provide advice, guidance, assistance, and training to EMEA staff in line with SME responsibilities. Section 5 - Accountabilities &amp; Responsibilities <ul> <li>Responding to enquiries from the business in a timely manner. <ul> <li>Work a part of team or individually analysing documentation, automated alerts, transactional data and conducting open-source research / screening to identify instances of fraud and and where controls can be enhanced.</li> <li>Providing advice and guidance to EMEA front office departments to mitigate the fraud / financial crime risk associated with regards to current customers and proposed trades / transactions. </li> </ul> </li> <li>Provide support to, and conduct own investigations, including research in relation to internal staff investigations, </li> <li>Detailing and summarising complex financial evidence into reports and statements tailored to target audiences.</li> <li>Produce and provide analysis of the various reports from other Compliance areas, both qualitative and quantitative, of customers under active investigation.</li> <li>Identify developing themes, assist in building control frameworks which proactively prevent or detect financial crime. </li> <li>Keep fully apprised of proposed changes to legislation, </li> <li>Collate MI and draft reports in preparation for internal committees. </li> <li>Draft Suspicious Activity Reports (SARs) for submission to the Nominated Officer/MLRO/NCA where relevant.</li> <li>In conjunction with CPD Training unit produce and deliver specialist training with regards to Fraud across EMEA.</li> <li>In addition to the normal responsibilities over the department in the EMEA offices, the role holder is responsible for day-to-day provision of services to SMBC London Branch based on the Agreement for the Provision of Services between SMBC London Branch and SMBC BI.</li> </ul>Section 6 - Knowledge, Skills, Experience &amp; Qualifications <ul> <li>Good understand of the fraud landscape in the UK and associated legislation.</li> <li>Good understanding of the link with fraud and other areas of financial crime, including cyber related crime. </li> <li>Inquisitive, motivated and highly trustworthy with an ability to work with the minimum of direct supervision, experienced in dealing with highly confidential material. </li> <li>Ability to independently conduct complicated investigations assessing and verifying a multiple strand of data and documentation.</li> <li>Ability to acknowledge that there is often a need to be a member of more than one team. Tactful, diplomatic, customer focused individual. </li> <li>Strong written and verbal communicator, able to articulate and prepare detailed rationale. </li> <li>Good understanding of the products and services offered by SMBC BI .</li> <li>Strong understanding AML / Fraud Transaction Monitoring Systems.</li> <li>Ability to act as fraud SME on behalf of CPD-FCG.</li> <li>Knowledge of Proceeds of Crime Act 2002, Bribery Act 2010, and fraud legislation and the FCA requirements. </li> <li>Knowledge of the wider financial crime landscape - UK and global.</li> <li>Well organised with excellent ability to prioritise conflicting work whilst retaining an excellent attention to detail.</li> <li>International Compliance Association (ICA), Certified Fraud Examiner (CFE) or other relevant industry recognised professional qualification in relevant financial crime field is preferred.</li> </ul>Section 7 - Challenges The role holder will be required to collate, analyse and summarise a large amount of complex data working in time sensitive situations where attention to detail is critical whilst effectively managing conflicting demands and expectations placed upon them. Section 8 - Dual-Hatting <ol> <li>Dual-Hat Details (only required if different to the employing entity details)</li> </ol> Dual-Hat Job Title: Dual-Hat Line Manager: Dual-Hat Direct Reports: Dual-Hat Certification Regime: <ol> <li>Dual-Hat Roles and Responsibilities </li> </ol> You will be required, from time to time, to undertake tasks on behalf of the dual-hat entity, as necessary. <ol> <li>Dual-Hat Conflict of Interest</li> </ol> <ul> <li>You will have responsibilities for both SMBC BI and Nikko CM</li> <li>You will be required to perform your duties and responsibilities on an entity neutral basis, without favour</li> <li>You are required to follow regulatory requirements applicable to ensure each business is appropriately supported and to maintain the legal entity integrity of each of SMBC BI and Nikko CM</li> <li>Working terms are dictated by functional mandates in place between SMBC BI and Nikko CM and any other relevant agreements entered into between SMBC BI and Nikko CM</li> <li>You have responsibility for identifying and resolving where there may be a difference or conflict in needs between SMBC BI and Nikko CM, escalating to your manager/Compliance officer where required</li> </ul>We recognise our role as a bank to support social change and welcome all applications, including those from groups often under-represented in financial services. We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing the sustainable growth of our organisation. We'll ensure reasonable adjustments to our recruitment process are offered due to a disability or long-term condition whenever requested.

PERM - CPD - Financial Crime Compliance - Fraud - Assistant Vice President

SMBC: A trusted partner for the long term Our internal opportunities aim to grow you professionally and personally. Be curious, expand your network and explore how your skills and knowledge can transfer into different roles and areas of SMBC. Even if your experience doesn't perfectly align with the job description 100%, we still welcome your application. Find the resources and support available to help you transition your career and flourish on our Internal Mobility page. Section 1 - Details Job Title / Corporate Title Financial Crime Compliance Advisory - Assistant Vice President Department / Group Compliance Department Financial Crime General / SMBC BI Responsible to / Line Manager Line Manager's Role, Job Title / Corporate Title. Financial Crime Advisory. Vice President Direct Reports N/a Location London Date Prepared May 2024 update Certification regime Out of scope Section 2 - Purpose of Job To assist in identifying where the products and services offered by SMBC BI are or may be used for criminal activities. To provide the EMEA region with advice and guidance with respect to the financial crime risk involving transactions, clients or other business which the Bank could be exposed to, whilst meeting legal and regulatory requirements. To provide advice and guidance to key stakeholders in the first line of defence on financial crime escalations. To identify where enhancements to the financial crime framework could be made. To work collaboratively with colleagues dealing with sanctions escalations Conduct reviews of individuals, corporate entities, business sectors, individual countries, products etc. to identify from a financial crime and reputational risk perspective any key risks the Banks may face. Ensure that management information is accurately obtained and analysed to help assess the financial crime risks. Section 3 - Background As a regulated entity the Bank has both a regulatory and statutory obligation to ensure it implements systems and controls necessary to mitigate the risks of the firm being used in connection with money laundering and / or the financing of terrorism or fraud. The role sits within the Banks 2nd line of defence and as such is responsible for supporting both Front Office and back-office departments by conducting detailed reviews of financial crime matters escalated to CPD - FCG. Working in partnership with 1st line teams to ensure that the Bank can undertake business whilst sufficiently mitigating any underlying financial crime risks. Section 4 - Facts / Scale Main interfaces/relationships: Head and Deputy Head of FCC, Front office departments, OAD staff within EMEA. Additionally, EMEA MLROs &amp; RCCO on ad hoc basis. Primary remit: 2nd line activities, as defined by CPD - FCG policies, in relation to financial crime advisory referrals and reviews. To continually risk assess and escalate accordingly when required. Secondary remit: Undertake role of SME for at least one area of financial crime as directed. Provide advice, guidance, assistance and training to EMEA staff in line with SME responsibilities. The AVP role holder will also be required to support the EMEA Head and Deputy Head of FCC with respect to strategic initiatives, in order to ensure that the Bank's financial crime systems and controls framework remains fit for purpose. Section 5 - Accountabilities &amp; Responsibilities <ul> <li>Responding to enquiries from the business in a timely manner. </li> <li>Providing advice and guidance to EMEA front office departments to mitigate financial crime risk associated with regards to current and potential customers and proposed trades / transactions, supplier engagements and corporate hospitality. </li> <li>To review and assess the appropriateness of financial crime related clauses contained within financing documentation/ agreements, to ensure transactions fall within the bank's risk appetite. </li> <li>To assist in the writing of applicable policies and procedures.</li> <li>To escalate effectively to the EMEA Head/Deputy Head of FCC/ Manager of FCC Advisory, any other matters that require further guidance.</li> <li>Identify developing themes, assist in building control frameworks which proactively prevent or detect financial crime. Keep fully apprised of proposed changes to legislation, directives and guidance, and ensure that key points are communicated to Head/Deputy Head of FCC.</li> <li>Collate MI and draft reports in preparation for internal committees. </li> <li>Draft Suspicious Activity Reports (SARs) for submission to the Nominated Officer/MLRO/NCA.</li> <li>In conjunction with CPD Training unit produce and deliver specialist training with regards to financial crime across EMEA.</li> <li>In addition to the normal responsibilities over the department in the EMEA offices, the role holder is responsible for day-to-day provision of services to SMBC London Branch based on the Agreement for the Provision of Services between SMBC London Branch and SMBC BI</li> </ul>Section 6 - Knowledge, Skills, Experience &amp; Qualifications <ul> <li>Understanding and practical ability to apply the management of financial crime risks within the UK Banking environment. </li> <li>Inquisitive, motivated and highly trustworthy with an ability to work with the minimum of direct supervision, experienced in dealing with highly confidential material. </li> <li>Ability to independently conduct reviews of complex referrals </li> <li>Strong analytical skills, capable of making logical assessments based upon factual data.</li> <li>Thorough understanding of the Bank's products and services.</li> <li>Excellent verbal and written communication skills, especially when faced with challenge.</li> <li>Strong ability to appropriately prioritise tasks in a high-risk environment.</li> <li>An International Compliance Association or other recognised professional qualification in financial crime.</li> <li>Ability to acknowledge that there is often a need to be a member of more than one team. Tactful, diplomatic, customer focused individual. </li> <li>Ability to act as financial crime SME on behalf of CPD-FCG.</li> <li>Knowledge of Proceeds of Crime Act 2002, Bribery Act 2010, Fraud Act 2006. </li> <li>Knowledge of the wider financial crime landscape - UK and global.</li> <li>Well organised with excellent ability to prioritise conflicting work whilst retaining an excellent attention to detail.</li> </ul>Section 7 - Challenges The role holder will be required to collate, analyse and summarise a large amount of complex data working in time sensitive situations where attention to detail is critical whilst effectively managing conflicting demands and expectations placed upon them. Section 8 - Dual-Hatting <ol> <li>Dual-Hat Details (only required if different to the employing entity details)</li> </ol> Dual-Hat Job Title: Dual-Hat Line Manager: Dual-Hat Direct Reports: Dual-Hat Certification Regime: <ol> <li>Dual-Hat Roles and Responsibilities </li> </ol> You will be required, from time to time, to undertake tasks on behalf of the dual-hat entity, as necessary. <ol> <li>Dual-Hat Conflict of Interest</li> </ol> <ul> <li>You will have responsibilities for both SMBC BI and Nikko CM</li> <li>You will be required to perform your duties and responsibilities on an entity neutral basis, without favour</li> <li>You are required to follow regulatory requirements applicable to ensure each business is appropriately supported and to maintain the legal entity integrity of each of SMBC BI and Nikko CM</li> <li>Working terms are dictated by functional mandates in place between SMBCE and Nikko CM and any other relevant agreements entered into between SMBC BI and Nikko CM</li> <li>You have responsibility for identifying and resolving where there may be a difference or conflict in needs between SMBC BI and Nikko CM, escalating to your manager/Compliance officer where required</li> </ul>We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing our sustainable growth as an organisation. If you're in need of reasonable adjustment to the recruitment process due to disability or long-term condition, just let your recruiter know.

PERM - CPD - Financial Crime Compliance Advisory - Assistant Vice President

Anti Financial Crime Controls Analyst About Railsr Railsr is a leading embedded finance experience platform that enables any business to prototype, build and scale financial products. Our vision is to make finance an amazing experience for consumers and companies globally, working alongside brands and fintechs to power innovation. This is an exciting space and Railsr had one of the first digitally-native products in the FinTech platform space. Following a period of rapid growth, followed by consolidation, Railsr is returning to growth once again and looking to develop our product capabilities and expand our customer base. It's an exciting time and the potential for any brand to use Railsr to power and deliver their customers' financial experiences is enormous. The Opportunity At Railsr, we are working constantly to protect our customers and the UK financial system from exposure to fraud, money laundering, terrorism and sanctions evasion. A significant part of this work entails the careful calibration of systems and controls to minimise impact on good, expected behaviour and instead to only flag concerning activity. This work requires both the technical ability to configure said systems to achieve the desired results, but also an understanding of what specifically you are trying to achieve, and the intended/unintended ramifications of each approach to a problem. Due to the broad area needing to be addressed, and the constantly evolving nature of financial crime, the role will involve a lot of research by necessity. Both using in-house data sources, but also external sources available publicly or via industry groups. In addition to the above, the individuals who are working on this area will naturally find they are drawn upon to help other teams with projects, or complex problems related to their expertise in said AFC systems. A successful candidate for this position will be working closely with our AFC Controls Manager in London, and due to the complex nature of the training and requirements to work closely with members of other teams, it will be expected that they are able to work from the London office at least 1 day per week. Your Responsibilities: <ul><li>Continuously improve the configuration of Fincrime/Compliance Systems and Controls working alongside the AFC Controls Manager to help protect our customers and detect financial crime</li><li>Plan, research, write, test and document new rules for our Fraud and AML/CTF systems.</li><li>Work with our AFC Controls Team on the execution of the AFC System Management Programme.</li><li>Support our Product and Engineering teams in understanding operational requirements of AFC systems and AFC Ops users.</li></ul><ul><li>Monitoring and reporting gaps in Fraud and AML/CTF controls to the Compliance team and AFC Controls Manager.</li><li>Support our AFC Ops teams in usage of our Fraud and AML/CTF systems.</li><li>Supporting the wider Compliance function by developing data pipelines to facilitate the collection of MI/Metrics, and also on analysis of system performance.</li><li>Maintain an understanding of emerging financial crime trends, and how they could impact the current Fincrime/Compliance systems maintained by Railsr.</li><li>Support a variety of teams with regulatory project work.</li></ul>Your Profile Attitude &amp; Behaviours <ul><li>Must be a fast learner</li><li>Must be a highly proficient user of Anti-Financial Crime systems, able to understand how they handle edge and corner cases, and have a working understanding of the technology that enables them,</li><li>Must have robust problem solving skills</li><li>Must be able to thrive in a fast paced environment</li><li>Must have good attention to detail</li></ul><ul><li>Must be able to work alone, or as part of a team effectively</li><li>Must have an interest in working with our varied Fintech customers, and their own consumer and small business endusers</li></ul>Skills &amp; Experience <ul><li>4+ years experience in Anti-Financial Crime (Fraud, AML/CTF, Sanctions, KYC, TM) related roles</li><li>2+ years of experience in a role improving anti-financial crime systems and controls (can overlap with the above)</li><li>Bachelor's degree 2-1, at minimum, with any additional relevant qualifications/certifications being advantageous (Masters or specific AFC related certifications)</li><li>Knowledge of SQL</li></ul><ul><li>Experience as a superuser of Anti-Financial Crime systems, solving complex system related problems for other users</li><li>Strong understanding of guidelines and best practices for at least one of the core areas of Anti-Financial Crime and the regulations behind them (Fraud, Sanctions, AML/CTF)</li><li>Experience supporting AFC/Compliance teams with regulatory changes/emerging financial crime trends</li><li>Experience working alongside Product/Engineering teams</li><li>Experience pulling MI/Metrics from systems in order to report on their performance, and experience working with data visualisation tools will be valued in a candidate</li><li>Can write concise and understandable explanatory text for a range of internal audiences</li><li>Must be able to engage in independent research using multiple data sources and publicly available information, and analyse those sources critically</li></ul>What we can offer you: <ul><li>Purpose - Help make amazing embedded finance experiences accessible to everyone and transform global financial services.</li><li>Career - Build your career in an innovative, adventurous and inclusive environment where everyone has the opportunity to make a difference and develop their skills.</li><li>Reward - Competitive remuneration package with generous benefits and the potential to be rewarded with equity.</li><li>People - Work with talented, passionate and supportive people from all over the world in a flexible, hybrid environment with trust and mutual respect at its heart.</li></ul>Our Values The environment at Railsr is fast-paced, exciting, and dynamic, underpinned by a clear set of values that drive a healthy and successful culture. <ul><li>Ambition - for our company, colleagues and ourselves and the freedom and expectation to own it.</li><li>Trust - which we give freely and expect in return.</li><li>Curiosity - with our minds open to fresh thinking in the constant pursuit of improvement.</li><li>Customer Obsession - ensuring that everything we do is with the customer in mind, we succeed when they succeed.</li></ul>If you are eager to join a fast-paced, collaborative and inclusive company and contribute to shaping its future, this is the role for you to make a difference. Diversity, Inclusion &amp; Belonging Our global team is amazing, with over 150 colleagues spread across multiple countries and more than 15 languages spoken, we empower them to bring great ideas, drive new plans and help make Railsr a fantastic place to work. We're proud of how well our diverse mix of people collaborate and are fully committed to continuing to make diversity, equity and inclusion part of everything we do. Our flat structure encourages open communication, to ensure that all voices, opinions and ideas are heard and considered. At Railsr we're all striving towards a common goal, and are passionate about creating an inclusive and rewarding working environment where everyone can be their best self.

Anti Financial Crime Controls Analyst

What We're All About at Kroo Kroo has a big vision. To be the first Bank that is both trusted and loved by its customers. We're helping people take control of their financial future and achieve their goals, whilst making a positive impact on the planet. Here at Kroo, doing what is right is in our DNA. We act with integrity, transparency and honesty. We think big, dream big, and relentlessly pursue our goals. We like to be bold, break new ground, and we never stop learning. But most importantly, we are on this journey together. About the Team We are a multi-disciplined team of experienced technology, banking, customer experience, marketing, and legal professionals who share a passion for the company's mission and believe in a collaborative approach to creating the greatest social bank. We are building a diverse team of inquisitive people who want to understand customer needs and behaviour so we can develop innovative products that change people's lives for good. What you'll do: This is an exciting opportunity to kickstart your career in Financial Crime within the banking sector. As a graduate joining our team, you will receive extensive training and mentorship, including weekly sessions in our Manchester office. Here's what you can expect: <ul> <li>Support the Day-to-Day Operations: Assist in the daily functions of the Financial Crime Detection Team, ensuring the efficient management of tasks and responsibilities.</li> <li>Investigate Suspicious Activity: Analyse transaction monitoring alerts to identify and investigate potentially suspicious activities.</li> <li>Support Team Leadership: Help the Detection Team Lead in achieving team objectives and maintaining high standards.</li> <li>Conduct Detailed Reviews: Perform thorough examinations of periodic and enhanced due diligence alerts to ensure compliance and accuracy.</li> <li>Identify Trends: Use data analysis to proactively spot emerging financial crime trends and patterns.</li> <li>Execute Payment Reviews: Manage payment reviews swiftly and effectively, balancing customer satisfaction with risk management.</li> <li>Collaborate with External Entities: Work closely with other financial institutions and law enforcement authorities to address financial crime concerns.</li> <li>Cross-Departmental Liaison: Engage with various departments within the business to support holistic financial crime prevention strategies.</li> <li>Optimise Processes: Contribute to the ongoing improvement and updating of existing processes, systems, and procedures.</li> </ul>This role is perfect for graduates who are passionate about making an impact in the financial industry and are eager to grow their expertise in a challenging yet supportive environment. Requirements <ul> <li>A keen interest in fraud prevention or financial crime, with any related experience being a plus.</li> <li>Strong problem-solving skills and a proactive approach to learning and tackling challenges.</li> <li>Willingness to manage escalations and support investigations, with a desire to develop these skills.</li> <li>Ability to juggle multiple tasks and meet deadlines, while maintaining high standards of work.</li> <li>Analytical mindset, with a passion for identifying patterns and trends in data.</li> <li>A team player who thrives in a collaborative, dynamic environment.</li> <li>Excellent communication skills, both written and verbal.</li> </ul>Recruitment process plan: <ul> <li>Initial application screening and invitation to online assessments.</li> <li>Completion of people screens and online assessments and invitation to the first interview.</li> <li>(24th Sept): Graduate assessment day in Manchester.</li> <li>Final decision and offer.</li> <li>Start dates agreed.</li> </ul>Benefits Benefits <ul> <li>Competitive salary and share options (£24,000 basic salary)</li> <li>33 days holiday (including public holidays). In addition, you'll also get your birthday on us.</li> <li>Personal Health days.</li> <li>Access to our company pension scheme (currently 3% employer contribution).</li> <li>All the equipment you need to work effectively.</li> <li>A high degree of autonomy with support from an experienced and supportive team</li> <li>Room to grow and excel within a fast-paced, high grow growing start-up</li> <li>An ethically conscious company that is truly trying to change what's most broken about the industry</li> <li>Access to a learning budget to continue your professional development.</li> </ul>Office/remote working and working times: The role will be remote-first, meaning that the majority of work will be completed from home, with occasional on site working required in Manchester city centre. Please note onboarding and training for the role will be conducted remotely. Our ambition is to be a truly 24/7 customer-focused bank. In order to achieve this, you'll be working 5 shifts (Monday - Sunday) and 37.5 hours per week. The shifts will be provided well in advance, but typically range between 07:00 - 19:30. Diversity and Inclusion: We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process. To all Recruitment Agencies: At Kroo Bank, agency resumes are strictly prohibited. Do not submit agency resumes or forward them to our job advertisements or Kroo Bank employees. Be aware that Kroo Bank will not assume any responsibility for fees incurred due to unsolicited resumes. To ensure a fair and efficient application process, all candidates are kindly requested to submit their applications directly through the advertised platform. We kindly ask that you refrain from reaching out to the company or its employees via email, LinkedIn, or any other communication channels for inquiries or updates. Please note that any attempts to contact us through these channels will not receive a response. Thank you for your understanding and cooperation.

Graduate Financial Crime Analyst - Detection Team

Role Description: The Regulatory Financial Crime Analyst is based within the second line of defence Risk &amp; Compliance team and provides support and consultancy to FNZ (UK) Ltd, FNZ Securities Limited and FNZ TA Services Limited ("the regulated companies") in relation to financial crime legislation and risks. Organisational Design: The role will report into the Head of Financial Crime who in turn reports into the MLRO for FNZ (UK) Ltd. This role forms part of the Compliance team. Team Responsibilities: Providing an independent second line of defence (2LOD) Compliance function and supporting the business in relation to financial services legislation and risks. Specific Role Responsibilities will include: Customer/Client Due Diligence (CDD) <ul><li>Assist and support the Head of Financial Crime to ensure that the regulated companies meet their obligations under the UK Money Laundering Regulations and to provide consultancy to the business in order for these entities to meet their contractual obligations to their clients and the clients' underlying customers.</li><li>Carry out customer due diligence and client risk assessment checks in relation to new and existing eligible counter-party clients ('Clients') and, where necessary, carry out refreshes of customer due diligence on existing clients.</li><li>Assist the Head of Financial Crime with producing the draft annual MLRO reports for review and sign off by the MLROs on an annual basis.</li><li>Undertake a client AML/DD exercise on Clients' AML Frameworks and policies annually.</li><li>Assist the Head of Financial Crime with carrying out annual AML/CFT Risk assessments for review and sign off by the MLROs for each regulated company and ensuring these are kept up to date on an ongoing basis (where required).</li><li>Be a 2LOD subject matter expert (SME) in relation to the third-party financial crime system suppliers which the regulated companies' contract with such as Experian, Cybersource, Cifas, Dow Jones, Amiqus and IMTF.</li><li>Provide independent 2LOD consultancy and support to the 1LOD Financial Crime Team and to the 1LOD operational personnel undertaking Financial Crime Administration providing expert consultancy in relation to:</li><li>queries/potential matches about PEP/ Sanctions, Transaction Monitoring and Enhanced Due Diligence (EDD)</li><li>AML comfort letters process for non-UK Fund Managers</li><li>assisting the 1LOD Financial Crime Team and Clients with the configuration, maintenance and set-up of Clients/underlying customers rules and weightings within third party financial crime systems as required to satisfy AML requirements</li><li>for one regulated company, supporting the 1LOD in relation to</li><li>customer due diligence and customer risk assessment checks on new and existing customers (on a periodic basis) and, where necessary, providing support to 1LOD on refreshes on customer due diligence where AML reliance is not in place</li><li>sample checking of customer due diligence performed by Clients (Reliance Model) on a periodic basis</li><li>assisting the 1LOD Financial Crime Team with the configuration, maintenance and set-up of customers rules and weightings within third party financial crime systems as required to satisfy AML</li></ul>Governance / Policies Management / Risk Assessment /Consultancy <ul><li>Assist and support the Head of Financial Crime with:</li><li>the creation and updating of a Financial Crime Strategy that is reviewed at least annually and aligned to the FNZ company objectives. This also includes defining and overseeing Financial Crime Communications</li><li>the maintenance and communication of Compliance Policies connected to financial crime</li><li>the undertaking of an annual ABC Risk assessments for each FNZ entity and ensuring these are kept up to date (where required)</li><li>the input and consultancy in connection with annual risk assessments such as Financial Crime and Tax Evasion</li><li>advising the business to ensure that it has a functioning financial crime framework in place and consideration of financial crime is embedded into business areas</li><li>completing RFPs and due diligence requests in relation to financial crime</li><li>reviewing the content of mandatory training modules on Financial Crime</li><li>the risk management and governance frameworks which includes:</li><li>contributing to FNZ Financial Crime Risk Appetite Statements (RAS)</li><li>regularly updating Financial Crime Key Risk Measures (KRMs)</li><li>providing Financial Crime related information and MI to the Board and Senior Governance Committees</li><li>undertaking reviews and testing of the Financial Crime controls undertaken within the Compliance team</li><li>providing secretariat services for the Financial Crime Committee and the Financial Crime Client User Forum</li><li>Providing consultancy, support and training in connection with:</li><li>the tasks undertaken by the 1LOD Financial Crime team including Risk Control Self-Assessment (RCSA) queries and challenge in relation to 1LOD financial crime controls and attendance at financial crime meetings with clients as required.</li><li>working with the 1LOD Financial Crime team to utilise industry intelligence to ensure that FNZ are aware of any new Modus Operandi or legislation which may expose the company to any new Financial Crime Risks</li><li>assisting 1LOD with financial crime training (where required)</li></ul>Compliance Monitoring <ul><li>Assisting with the completion of the annual risk-based Compliance Monitoring Plan by:</li><li>risk assessing financial crime activities in order to recommend Financial Crime monitoring reviews into the Compliance Monitoring Plan annually</li><li>undertaking independent Financial Crime monitoring reviews of the business</li><li>carrying out oversight of the quality assurance undertaken by the 1LOD Financial Crime team</li><li>overseeing the closure of the monitoring actions connected to Financial Crime monitoring reviews</li></ul>FC Reporting / investigations <ul><li>Support and provide assistance to the Head of Financial Crime, MLRO and Chief Compliance Officer as part of any Financial Crime Investigations, including assistance in implementing the fraud response plan and managing any follow-up actions. The Regulatory Financial Crime Analyst will also assist with any internal investigations and review of any suspicious activity reports (SARs) received and, where required, act as a liaison officer with all other interested parties both internal and external, including police, regulators and auditors.</li><li>Assist and lead pieces of work with Information/Cyber Security and 1LOD Financial crime Team in relation to cases of e-fraud as required.</li><li>Update and maintain the FNZ Financial Crime Reporting repository with input from 1LOD Financial Crime Team.</li><li>Assisting the Head of Financial Crime and MLRO with annual Financial Crime returns to the FCA.</li></ul>Identifying regulatory and financial services industry changes and Performance Assessment <ul><li>Assist in identifying regulatory and industry developments/requirements in relation to financial crime including contributing to impact assessments and assisting the Head of Financial Crime to embed required changes into the regulated companies' processes and technology.</li><li>Attend Industry Financial Crime forums such as the TISA Financial Crime Working Group, FinTrail Exchange etc</li><li>Building awareness of financial crime within the regulated companies.</li><li>Positive interaction with and feedback from clients in relation to financial crime.</li><li>Bringing new ideas and initiatives to the regulated companies in relation to financial crime.</li><li>Ability to work both individually and as part of a team to achieve the regulated companies' financial crime objectives.</li></ul>Experience required: <ul><li>Good knowledge on financial crime systems (preferably Fraud, AML/KYC/CDD, PEPs and Sanctions and Transaction Monitoring) and experience in understanding the set up and configuration of rules and parameters.</li><li>Good working knowledge gained within financial services/Investment banking industry of identifying financial crime risks and implementing/overseeing suitable controls to mitigate those risks.</li><li>Good understanding of Compliance Monitoring Frameworks particularly undertaking monitoring/thematic reviews on Financial Crime matters.</li><li>Good knowledge of UK Financial crime Legislation Financial Conduct Authority rules and guidance, JMLSG, UK Money Laundering Regulations, Bribery Act 2010, Fraud Act 2006 and Criminal Finances Act 2017.</li><li>Awareness and knowledge on Financial Crime typologies such as fraud (internal and external), AML/CFT, PEP/Sanctions, Market Abuse/Insider Dealing and Tax Evasion (All not essential but AML and Fraud would be beneficial).</li><li>Desirable to have experience of using Experian, IMTF, Cybersource, Cifas and Dow Jones products (but not essential).</li><li>Desirable to hold an industry known financial crime qualification such as an ICA Diploma or Certificate, ACAMS accredited etc.</li><li>Good stakeholder management, attention to detail and communicating and influencing skills</li></ul>#LI-CM1 About FNZ FNZ is committed to opening up wealth so that everyone, everywhere can invest in their future on their terms. We know the foundation to do that already exists in the wealth management industry, but complexity holds firms back. We created wealth's growth platform to help. We provide a global, end-to-end wealth management platform that integrates modern technology with business and investment operations. All in a regulated financial institution. We partner with over 650 financial institutions and 12,000 wealth managers, with US$1.5 trillion in assets under administration (AUA). Together with our customers, we help over 20 million people from all wealth segments to invest in their future.

Regulatory Financial Crime Analyst

FINANCIAL CRIMES ANALYST SENIOR I WHAT IS THE OPPORTUNITY? Under the direction of the BSA Risk Manager, this colleague is responsible for carrying out regulatory/compliance issuance monitoring, risk assessments, and internal controls testing ensuring that there are adequate processes, procedures and internal controls to promote an effective BSA control environment. Responsible for monitoring, analyzing, and escalating issues and concerns related to BSA, AML, OFAC and the USA PATRIOT Act components of the Bank's BSA Program while utilizing sound and current compliance industry standards and practices. Develop new and/or updates policy and procedures related to BSA, AML, OFAC and the USA PATRIOT Act Bank wide. Plays a key role as a liaison with colleagues throughout the organization related to BSA, AML, OFAC and the USA PATRIOT Act. Responsible for building and maintaining relationships with internal and external customers while providing exemplary customer service. Functions as a backup to the BSA Risk Officer in specific areas as necessary. What you will do <ul><li>Carries out regulatory/compliance issuances monitoring, risk assessments, and internal controls testing ensuring that there are adequate processes, procedures and internal controls to promote an effective BSA control environment, under the guidance of the BSA Risk Manager.</li><li>Analyzes and escalates issues and concerns related to BSA, AML, OFAC and the USA PATRIOT Act components of the Bank's BSA Program while utilizing sound and current compliance industry standards and practices.</li><li>Identify gaps and deficiencies in related BSA functions, processes, policies and procedures as well as create and implement corrective actions and track gap remediation.</li><li>Develops and presents training to assist in gap remediation and required enhancements.</li><li>Communicates and escalates (as assigned) identified BSA, AML, OFAC and USA PATRIOT Act operational concerns to the appropriate level of management.</li><li>Completes special projects as assigned.</li><li>Attends internal and external meetings, seminars, workshops, etc. to expand professional expertise.</li><li>Maintains up-to-date knowledge of Bank policies, procedures and industry best practices.</li><li>Support Financial Crimes Compliance Program Governance, including Training, Issue Management, and Reporting.</li><li>Support procedural development and maintenance</li><li>Assesses controls for design and operating effectiveness in accordance with established policies, standards and procedures</li><li>Exercises independent judgment in identifying issues and assessing risk</li><li>Develop and deliver training program and materials, including oversight.</li><li>Support issue management including stakeholder engagement and tracking and monitoring</li><li>Maintain authoritative knowledge and understanding of laws and regulations, regulatory guidance, policy, and procedures for operational functions covered/tested</li><li>Assist risk management team with departmental initiatives and other duties as assigned.</li></ul>Must-Have* <ul><li>Bachelor's Degree or equivalent</li><li>Minimum 5 years of Banking industry experience</li><li>Minimum 4 years of experience in a BSA/OFAC specific role (such as those involving KYC, EDD, financial crime investigations, compliance) at a financial institution</li><li>ACAMS Current Certified Anti-Money Laundering Specialist (CAMS) Certification</li></ul>Skills and Knowledge <ul><li>Working knowledge of banking operations and Bank Secrecy Act/Office of Foreign Assets Control regulations</li><li>Experience using Microsoft Word, Excel and Access required.</li><li>Knowledge and understanding of federal regulations pertaining to the Bank Secrecy Act and Office of Foreign Assets Control required.</li><li>Excellent problem solving and analytical skills required.</li><li>Excellent verbal/written and written communication skills required to interact with all levels of Bank personnel and outside contacts.</li><li>Experience with quality control, audit or compliance testing is preferred.</li></ul>Compensation Starting base salary: $71,869 - $114,797 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *To be considered for this position you must meet at least these basic qualifications The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Benefits and Perks At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our Benefits and Perks. INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.' ABOUT CITY NATIONAL We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.

10 Financial Crime and Compliance Jobs