ClearBank is hiring a

Web3 Financial Crime Investigations Analyst - Transaction Monitoring

About us

ClearBank was built on the belief that banking infrastructure would no longer slow down progress. Instead, it’s the catalyst that unlocks the potential to innovate. That’s why our clients — financial institutions from fintech’s and crypto platforms, to banks and credit unions — use our API to power their banking infrastructure.

But we wouldn’t be ClearBank without our people. They’re what powers our innovative technology and the reason we love what we do every day. We’re a group of spirited people who are never afraid to challenge the norm – becoming stronger, more energised, and that much better when we’re together. It’s our belief in fairness, autonomy and choice that means our people are empowered with the tools to learn, grow, and contribute to ours and our clients’ success. Interested in joining us? Read on or visit our website for more information.

About you

You’ll be joining the Financial Crime Operations Team as a Financial Crime Investigations Analyst. Reporting to the Transaction Monitoring Team Lead, you’ll be a part of a fast-growing business that is challenging the market and doing things differently.

The Financial Crime Investigations Analyst will act as a Customer & Payments Screening subject matter expert for financial crime analysis across our respondent FI and NBFI client base. Responsibilities will include investigation of payment and customer sanction screening escalations, transaction monitoring financial crime escalations and delivering associated investigation and intelligence products, including composing reports for both internal and external audiences and supporting other areas within the team as may be required.

And you’ll be joining the #1 fastest-growing tech company in the UK, according to Deloitte Fast 50.

You will be

We believe that the best Analysts enjoy what they do. Candidates should have proven experience in Customer and Payment related investigations across FI and NBFIs. You will have a strong understanding of international sanctions regimes, financial crime typologies, identifying the associated red flags and detection methods.

You must be willing to work in a fast-paced environment, be flexible and comfortable dealing with changing priorities. Take pride and personal ownership in the mitigation of financial crime risks across the business. We need delivery focused individuals that can suggest solutions as to how things can be done better, as we’re always looking to improve and do things differently.

Successful candidates will be experienced in identifying concerns and recommending actions to mitigate them, engaging with all key stakeholders and making informed decisions on all available information. Candidates should ideally have knowledge of correspondent banking services, with experience in banking as a service and agency banking being advantageous. Strong technical and regulatory knowledge across financial crime and Sanctions, within the UK, EEA and International sanctions programs.

What we are looking for

Core Skills and Experience:

• Subject matter expertise within payment/customer screening, transaction monitoring and financial crime investigations across FIs and NBFIs
• Ability to consider all potential financial crime risks and possess the flexibility and knowledge to assess both sanctions and money laundering risks simultaneously
• Conduct transactional analysis utilising complex data sets and all available resources to identify unusual themes and patterns
• Conduct research utilising internal and external sources to help identify respective financial crime risk and disposition or escalate as appropriate
• Where appropriate, facilitate requests for information (RFIs) by liaising with clients and/or RMs.
• Proven experience in raising internal SARs (iSARs)
• Proactively identify trends and emerging typologies that can be used to enhance detection capabilities
• Manage competing tasks and priorities in a manner that effectively mitigates financial crime risk
• Apply strong technical and regulatory knowledge to identify potential control/risk issues and recommend actions when required
• Provide subject matter expertise to support the development of systems and strengthening of controls
• Build and maintain relationships with stakeholders across the business to meet role objectives and deliver key activities

Financial Services/Banking Experience:

• Good knowledge of financial crime control frameworks and regulatory standards
• Good knowledge of sectors such as money remittance, electronic money, APIs, Cryptocurrency firms, and merchant acquirers
• Significant knowledge of UK and EU AML/CTF legislation (international AML/CTF knowledge is advantageous)
• Strong knowledge of money laundering typologies across a range of products and services in financial services
• Strong experience dealing with sanctions, complex business models, PEPs, red flags, and suspicious activity investigation

Key Skills and Expertise

• Self-starter, able to work independently when needed to prioritise tasks and raise issues
• Ability to communicate and negotiate with key stakeholders both orally and in written reports
• Tenacious investigator with strong attention to detail and good judgement.
• Work to tight deadlines under pressure whilst maintaining high level of quality and competency
• A recognized AML / Sanctions / Fraud qualification is desirable but not essential
• Meticulous organizational skills able to manage/manipulate large sets of data/ payments
• Good problem-solving skills, able to ‘think on your feet’ and provide solutions and support to wider team
• Experience using Lexis Nexis would be advantageous
• Experience using payment/customer screening and transaction monitoring systems
• Strong knowledge of current geo-political issues and how they affect international sanctions regimes i.e. Ukraine/ Russia/ Belarus
• Experience managing and prioritising a work caseload/workload, meeting stringent daily and weekly targets

About what we offer

• We’re remote-first and flexible, so work from home or visit the offices in London and Bristol
• 27 days annual leave per year, plus bank holidays and x 2 ‘Bigger Than ClearBank’ days
• You have the option to work outside of the UK for up to 30 days per year
• Regular in-person and online company-wide meetups
• A flexible option to finish early on a Friday if it works for you and your team – we call this our ‘Fresh Air Fridays’
• Take a couple of days per year to volunteer with your chosen charity to do something bigger than ClearBank
• Private healthcare through Healix and discounted Bupa dental cover, with employee healthy living perks and discounts through YuLife
• Enhanced family friendly leave
• Plus, you’ll have the opportunity to join an energetic team that’s building a bank fit for the future! 🚀

The legal bit

By submitting your CV, you confirm that you can demonstrate you have the right to work in the UK. Regretfully we are not in a position to sponsor applicants for immigration purposes at the current time. By submitting your CV to ClearBank Limited you are providing your consent for us to use the information you provide for recruitment purposes. For more information on how we manage your data go and check out our Candidate Privacy Notice on the ClearBank website to see how we process, manage and look after your data. You are also allowing us to communicate with you by email and telephone for recruitment purposes.

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