Senior AML/Compliance Analyst

Company Overview

LianLian is a UK-authorised Payment Institution committed to maintaining the highest standards of regulatory compliance and risk management. The company provides a wide range of financial services to an international client base, with a strong focus on innovation, transparency, and customer service excellence.

Role Summary

The Senior AML/Compliance Analyst will be responsible for managing the firm's AML and KYC compliance framework. This includes conducting comprehensive due diligence on customers, monitoring transactions for suspicious activity, and ensuring compliance with applicable UK and international regulatory requirements.

The role also involves developing and maintaining AML/KYC policies and procedures, preparing regulatory reports, and serving as a key point of contact for regulatory bodies.

This position will also be nominated as the Deputy Money Laundering Reporting Officer (DMLRO).

Key Responsibilities

Customer Identification and Verification

• Oversee customer due diligence (CDD) processes, including verification of new and existing customers using both documentation and electronic verification systems.

• Ensure the accurate identification of beneficial owners and controlling parties in accordance with regulatory standards.

Risk Assessment and Due Diligence

• Conduct and review customer risk assessments to determine risk ratings and required levels of due diligence.

• Perform Enhanced Due Diligence (EDD) on higher-risk customers, including PEPs and clients from high-risk jurisdictions.

Transaction Monitoring

• Monitor customer transactions to identify, investigate, and escalate unusual or suspicious activity.

• Prepare and submit Suspicious Activity Reports (SARs) where required.

• Utilise automated transaction monitoring tools and perform manual reviews when necessary.

Policy Development and Compliance

• Develop, implement, and periodically review AML/KYC policies and procedures to ensure ongoing regulatory compliance.

• Stay informed of UK and international AML/CFT regulatory developments and incorporate changes into internal processes.

Training and Development

• Provide training and guidance to junior compliance staff on AML/KYC requirements and updates.

• Promote awareness of compliance obligations and best practices across the business.

Reporting and Record Keeping

• Maintain complete and accurate records of AML/KYC reviews, SARs, and internal compliance communications.

• Prepare periodic compliance reports for senior management and the Board.

Qualifications and Experience

Education:

• Degree in Finance, Law, Business Administration, or a related field. Professional certification such as CAMS, ICA, or equivalent is highly desirable.

Experience:

• Minimum of 5 years' experience in AML/KYC compliance within the fintech sector (EMI, API), preferably in the UK. Experience in payment services or fintech environments is advantageous.

Knowledge:

• In-depth understanding of UK and international AML/CFT regulations, including the Money Laundering Regulations 2017, FCA Handbook and FATF recommendations.

Preferable:

• Working knowledge of blockchain analytics tools (e.g. Elliptic, Chainalysis, TRM Labs) and experience with crypto-related compliance monitoring, including off-ramp and on-ramp transactions.

• Familiarity with cross-border payment structures, correspondent banking, and regulatory reporting

requirements.

Skills:

• Strong analytical, investigative, and problem-solving skills with excellent attention to detail. Proven ability to assess and manage complex compliance issues with sound judgment and discretion.

Communication:

• Excellent written and verbal communication skills in English. Proficiency in another

language, especially Chinese, is an asset.

Application Process

Applications will be reviewed on a rolling basis, and early submissions are encouraged.

At LL PAY UK Limited, (LianLian UK), we are committed to upholding the highest standards of data protection and privacy in line with the UK General Data Protection Regulation (GDPR). As part of our recruitment process, we may need to share your CV and associated personal data with our hiring manager and colleagues located in our HQ in China.

To proceed with this application, you provide the consent. Providing consent is entirely voluntary, and you may withdraw it at any time without affecting your ongoing candidacy. If you wish to withdraw your consent, please contact us.

Applications via recruitment agencies will be automatically discarded.