AML Financial Crime Investigator

Overview

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. We're searching for a resourceful and enthusiastic Financial Crime Investigator, who will amongst other things, support the day-to-day operations of the First Line Financial Crime Operations function. The Kroo is growing and we'd love to hear from you if you're interested in joining us on our journey!

Role purpose

As a Financial Crime Investigator, your key responsibility is to strengthen our financial crime prevention efforts. This role is pivotal in identifying, investigating, and mitigating potential financial crime risks including money laundering, terrorist financing, and fraud. You will have a keen eye for detail, strong analytical skills, and a thorough understanding of regulatory compliance related to financial crime.

Responsibilities

• Alert Investigation: Conduct thorough investigations of transaction monitoring alerts to identify and assess suspicious activity, including sanctions, Politically Exposed Persons (PEP), and adverse media alerts.
• AML/CTF and Fraud Management: Manage and execute AML, CTF, and fraud investigations from initiation to conclusion, including preparation and submission of Suspicious Activity Reports (SARs) to relevant authorities.
• Trend Analysis: Proactively analyse data to identify emerging trends in financial crime, using findings to enhance detection and prevention strategies.
• Collaboration and Liaison: Collaborate with other financial institutions and law enforcement as necessary; maintain effective communication with other departments to support financial crime prevention efforts.
• Customer Service Support: Handle escalations from the Customer Service team, providing expert advice on actions required to mitigate risks and resolve issues.
• Process Improvement: Support the continuous optimisation of financial crime prevention processes, systems, and procedures, ensuring they remain effective and compliant with regulatory standards.

About You

While not essential, the following experience and qualifications are highly desirable for this position:

• Experience in Financial Crime Prevention: Proven experience in investigating and mitigating financial crime risks, including money laundering, terrorist financing, and fraud.
• Regulatory Knowledge: A strong understanding of AML, CTF, sanctions, and compliance regulations.
• Analytical Skills: Exceptional analytical and problem-solving skills with the ability to identify suspicious activity and trends.
• Alert Investigation Expertise: Hands-on experience in investigating transaction monitoring alerts, sanctions, PEP, and adverse media cases.
• Reporting Skills: Proficiency in preparing and submitting SARs to relevant authorities.
• Data Analysis: Ability to conduct trend analysis to proactively identify emerging financial crime risks and improve prevention strategies.
• Collaboration Skills: Experience working with law enforcement, other financial institutions, and internal departments to support financial crime prevention efforts.
• Customer Service Acumen: Ability to handle escalations from the Customer Service team, providing expert advice and practical solutions.
• Process Optimisation: A track record of improving processes, systems, and procedures to enhance compliance and efficiency.
• Attention to Detail: A meticulous approach to investigations and regulatory documentation.

Preferred Qualifications

• Certifications in financial crime prevention, such as CAMS (Certified Anti-Money Laundering Specialist) or CFE (Certified Fraud Examiner).
• Familiarity with financial crime detection tools and technologies.
• Prior experience in a financial institution or a compliance-focused role.

About Our Process

We can be flexible with the structure of our interview process if someone's circumstances or timescales require it, but our general structure is:

• People screen interview - 45 mins
• Technical interview challenge with the hiring manager - 45 mins
• Head of division interview - 45 mins

Successful candidates after the technical stage will be invited to informally meet the team in person and see our offices. Please let us know if you have any specific requirements or need assistance so we can be as accommodating as possible for you.

What we offer

At our cutting-edge fintech company, we know that attracting and retaining the best talent means offering top-notch benefits that help our employees thrive both in and outside of work. Check out what we currently offer:

• Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday.
• Personal days: 3 personal days to use as needed.
• Employer-sponsored volunteer program: up to 4 hours per month of employer-sponsored volunteer time.
• Mental health support: Access to Spill, our mental health support partner.
• Workplace pension: 5% employee contribution with a 3% employer top-up.
• Top-notch equipment: MacBook laptop and support for setting up your home office if required.
• Modern office: Access to our office in Farringdon, Central London.
• Cycle to Work and Electric Car schemes: sustainability-focused transport benefits.
• Enhanced parental leave: Enhanced policy to support growing families.
• Room for growth: Opportunities to grow within a fast-paced start-up.
• Healthcare: Full healthcare for you and your dependents via Vitality.

Hybrid Working

We have a hybrid policy enabling flexibility between office and remote work. Our London office is a resource when used effectively. The role involves working from 7:00 to 19:30, five days per week (37.5 hours) including one weekend per month. Shifts are provided well in advance. Regular commuting expenses to your designated office are not reimbursed.

Diversity and Inclusion

We uphold a commitment to a diverse and inclusive workplace. Every employee is respected, supported, and treated without judgment. Diversity, Equality, and Inclusion are fundamental to our bank, and reasonable adjustments are available to all candidates throughout the recruitment process.

To all Recruitment Agencies

Agency resumes are strictly prohibited. Kroo Bank will not assume responsibility for fees related to unsolicited resumes.

Application Process

All candidates should apply directly through the advertised platform. Do not contact the company via email, LinkedIn, or other channels for inquiries. Any attempts to contact us through these channels will not receive a response. Kroo values honesty and integrity in all candidates; employment history and references will be checked. Any undisclosed discrepancies or false information may result in withdrawal of the application or job offer.