Financial Crime Risk Analyst

About Us at GoCardless

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. 

GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help! 

And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply!

The Financial Crime Risk Team 

We’re part of the Risk Organisation and are at the forefront of GoCardless’ global expansion.  We ensure that GoCardless adopts, implements and maintains innovative and appropriate processes and controls, paving the way for our company to deliver superb products in a compliant manner.

 

The Role

The Financial Crime Risk Analyst will report directly to the Group MLRO and will play both a regional and global role. The Financial Crime Risk Analyst will be primarily tasked with supporting the build out and maintenance of effective AML/CTF and sanctions systems and controls to ensure compliance with laws and regulations in the U.K. and other GoCardless locations.

 

What excites you

• Closely follow legal, compliance, and regulatory developments in relation to AML/CTF and sanctions in the Fintech industry, to ensure our controls processes keep pace;
• Advising on CDD escalations based on internal policies and procedures;
• Monitoring and responding to AML / Sanctions related escalations in JIRA;
• Review and approval of high risk customers at onboarding (e.g. PEPs);
• Review and approval of requests for waivers, dispensations and minor policy exceptions from the first line defence;
• Escalating complex cases to Financial Crime Risk Managers and/or the MLRO;
• Compiling Financial Crime MI for senior management, analysing trends and recommending enhancements to first line controls; 
• Support the delivery of  targeted financial crime training to the Compliance Operations and Sales teams on areas that are identified as requiring improvement;
• Support the execution of  the firm’s annual financial crime Enterprise Risk Assessment, including risk identification, inherent risk assessment and control evaluation; 
• Draft annual external reports to regulatory authorities, and liaise with the FCA, NCA and other external agencies where applicable;
• Promoting a culture of good financial crime management across the firm;

 

Project work:

• Support on the Financial Crime Risk roadmap project to design and deploy control enhancements throughout the company.

 

What excites us

• You have at least 1-2 years experience in financial crime within an FCA regulated financial services firm or consultancy;
• You have good knowledge of JMLSG, FCA, FATF, Wolfsberg Group etc. guidelines and requirements;
• You have strong analytical skills and attention to detail;
• You have experience in executing internal controls; 
• You have a demonstrable hunger for knowledge and eagerness to take on further responsibilities; 
• You take the initiative and are able to prioritise different tasks effectively within a fast-paced environment; 
• You have strong writing and presentation skills.

 

Bonus points if: 

• You have a professional qualification from an internationally recognised body (e.g. ICA, ACAMS);
• You have worked within a fast growing, scale-up business;
• You have experience designing Financial Crime controls from scratch, and supporting their implementation. 
• You have good knowledge of French and/or US financial crime regulations

 

Base salary range: £34,400 - £51,600

Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

The Good Stuff!

• Wellbeing: Dedicated support and medical cover to keep you healthy.
• Work Away Scheme: Work from anywhere for up to 90 days in any 12-month period.
• Hybrid Working: Our hybrid model offers flexibility, with in-office days determined by your team.
• Equity: All permanently employed GeeCees get equity to share in our success.
• Parental leave: Tailored leave to support your life's great adventure.
• Time Off: Generous holidays, 3 volunteer days, and 4 wellness days annually.

Life at GoCardless

We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We make it happen, working with urgency and taking personal accountability for getting things done. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Our Values form part of the GoCardless DNA, and are used to not only help us nurture and develop our culture, but to deliver impactful work that will help us to achieve our vision.

Diversity & Inclusion

We’re building the payment network of the future, and to achieve our goal, we need a diverse team with a range of perspectives and experiences. As of July 2024, here’s where we stand:

• 45% identify as women 
• 23% identify as Black, Asian, Mixed, or Other 
• 10% identify as LGBTQIA+ 
• 9% identify as neurodiverse 
• 2% identify as disabled 

If you want to learn more, you can read about our Employee Resource Groups and objectives here as well as our latest D&I Report 

Sustainability at GoCardless

We’re committed to reducing our environmental impact and leaving a sustainable world for future generations. As co-founders of the Tech Zero coalition, we’re working towards a climate-positive future. Check out our sustainability action plan here. 

Find out more about Life at GoCardless via X, Instagram and LinkedIn.