Financial Crime Analyst - Consumer Finance

Position: Financial Crime Analyst Reports to: CRO, Consumer Finance Location: Warrington, UK Our client is the market leading provider of working capital finance for companies globally. They firmly believe that technology and financial innovation can be used to make funding cheaper and more readily available to everyone, from multinational businesses to SMEs. Headquartered in London (with offices in New York, Sydney, Bundaberg, Frankfurt, Chicago, Miami, Johannesburg, Singapore, Warrington and soon to be India, China, Abu Dhabi and Saudi Arabia), the firm was founded in 2011 and is managed by a highly experienced team of fixed income and trade finance specialists with the goal of providing innovative and alternative working capital finance solutions globally. Our client is an active and established investor in a wide variety of assets, ranging from US$10m to US$4bn in size, utilizing its balance sheet as well as that of its subsidiary bank based in Germany. As well as holding assets, the team actively distributes assets to a wide range of investors including banks and institutional investors, in turn creating a wide range of credit appetite for its deals. Working in the businesses brand new Consumer Finance division, the ideal candidate will be proficient in supporting the implementation of an organisation’s Financial Crime Management framework. Experience in the management, planning and undertaking customer due diligence (CDD) reviews of new and existing clients. Ensure high quality and controls of customers on-boarding processes and the re-assessment of its clients to strengthen the control framework and ensure compliance with regulatory obligations. The role includes liaison with Origination, customer onboarding, risk and operations across the business. Key job activities: Conduct reviews of new prospects and existing clients, assessing the risk profile and KYC documentation, resolving any issues found by liaising with Origination and Senior Management where necessary. Undertake PEP reviews and prepare reports for senior management approval. Assist the business as and when required on financial crime related queries, by providing advice and guidance, outlining options and recommending solutions as appropriate. Assist in the review and update of department procedures and drive system and process improvements. Support the preparation and continuous enhancement of monthly Financial Crime Risk reporting including key risk measures, events, control effectiveness and dashboards. Support the championing of a proactive Financial Crime risk culture across the business. Support the HoAF&O in the management of all financial crime compliance issues. Support the wider Risk Team as directed by line management. Maintain a working knowledge of regulations relating to Financial Crime Qualifications: Degree level education Business or Finance subjects preferred. Introductory or higher level ICA qualification is essential. Skills: Extensive Financial Crime experience working within a Financial Institution that operates in multiple jurisdictions. Experience in conducting reviews of new prospects and existing clients, assessing the risk profile and KYC documentation including sanctions. Solid AML Compliance experience with a good understanding of AML laws, rules and regulations within the EMEA region as well as those within at least one other region i.e. US, or APAC. Knowledge of AML, ABC, Fraud, Sanctions, KYC, customer data, and related systems is desirable. Knowledge of undertaking PEP reviews and writing an approval report for senior management. A good working knowledge of JMLSG. Experience of working within a high-pressure environment, managing activities to tight timelines and displaying collaboration across multiple stakeholders by driving continuous improvements and efficiency initiatives. Competencies: Able to build productive working relationships with Front, Middle and Back offices. Strong analytical skills with the ability to assess key risks. Outstanding written and visual communication skills, with strong attention to detail. Ability to work in a multicultural environment and across multiple time zones. Strong desire and ability to learn new skills. Achieving (results focussed, takes initiatives, concern for excellence). Drive and desire to contribute as part of a successful team and cope with rapid business growth. Experience: Minimum two years relevant experience of working within a Financial Crime function either within a large or challenger bank, financial institution or regulated fintech. What’s on offer: A very competitive basic salary; Excellent pension, healthcare, life cover and other benefits Outstanding performance compensation (paid twice yearly); Equity options; Casual workplace environment; Outstanding opportunity for advancement (in the UK and Overseas) in a rapidly growing, global firm; A business with a friendly and collaborative environment where you can make a difference - your contribution will be valued and your voice will be heard; and A business that encourages innovation, creativity and flexibility.