Financial Crime Analyst
6 months ago
Company Description
This is a Fixed Term Contract for up to 12 months.
Salary up to £35,000 per annum, plus performance bonus and benefits
We’re Together – the market leading property finance experts with an entrepreneurial spirit. Basedin Cheadle, South Manchester, we’ve been established since in 1974 and have built a team of over 750 colleagues, who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them.
We pride ourselves on our common sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders. Our customers are central to everything we do and we work hard to support them to turn challenges into opportunities which make our customers' property ambitions a reality.
Job Description
As an Financial Crime Analyst, you will be responsible for protecting the Group against the threat of financial crime by supporting the MLRO and Financial Crime function to establish and maintain a robust Financial Crime Prevention Framework and to ensure appropriate controls are in place and operate effectively to mitigate the Group’s Risk exposure.
As a Financial Crime Analyst, we are looking for someone to:
Conduct thorough on-boarding and ongoing customer due diligence measures, including unwrapping company structures to identify beneficial owners in accordance with internal policies. Identify cases where enhanced due diligence is necessary in order to mitigate risks/sufficiently understand customers prior to funding, for instance with regards new high risk applicants. Investigate PEP, sanction and adverse media alerts on behalf of the business. Make recommendations on actions to be undertaken including enhanced due diligence checks or the declining of business. Conduct reviews of Transaction Monitoring Reports to identify suspicious activity. Complete reviews of business queries in line with departmental SLAs. This includes queries relating to shareholder checks, foreign nationals, offshore companies and other CCD queries. Perform prompt and robust reviews of high risk customers and identify where further action is needed, for instance an adjustment in risk level, further due diligence or more stringent account controls. Complete pre-accreditation checks on new business intermediaries. Perform accurate and timely due diligence checks on suppliers. Investigate low and medium risk Suspicious Activity Reports (SARs) including in relation to allegations of fraud and money laundering. Determine whether external reporting is required and recommend a course of action to the Deputy MLRO/MLRO and, where appropriate, business areas.
Qualifications
Essential:
Experience in a similar CDD/KYC/Financial Crime prevention role, preferably in retail financial services or the secured lending market Knowledge of financial crime and financial services regulations, in particular Money Laundering Regulations and FCA Planning and interpersonal skills Attention to detail, particularly within investigations and external reportDesirable:
Obtained or working towards a related qualification through an industry recognised body such as the ICA or ACAMS. Good data analysis and reporting skills including previous experience of using Excel to create dashboards.
Additional Information
Benefits working at Together
26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays Buy & sell holidays Discretionary annual bonus Matched pension contribution Life assurance Critical illness cover Health cash plan Private medical insurance Free access to company holiday homes Travel season ticket loans Ride to work scheme Free local gym access Local bar / restaurant discountsTogether Money embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and we’ll do all we can.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
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