Financial Crime Analyst

Aptia UK Limited; Greater London; On-site; GBP 45,000 - 65,000; Full time

Job summary

Aptia is seeking a Financial Crime Analyst to join our UK team. You will support first‑line financial crime activity, investigate referrals, and assist with due diligence and identity verification for pension and employee benefits programs.

You'll work with operations to maintain case records, manage screening alerts, and contribute to risk assessments and process improvements in a collaborative environment.

Qualifications

• At least 3 years' experience in financial crime, fraud prevention, investigations, compliance, risk or a related field.
• Hands‑on experience reviewing financial crime referrals, PEP or sanctions screening alerts, or suspected fraud cases.
• Understanding of risks including fraud, money laundering, sanctions, and PEPs.

Responsibilities

• Investigate referrals relating to suspected pension fraud and other high‑risk activity; escalate as needed.
• Review information from multiple sources to identify concerns and risks.
• Review AML/sanctions screening alerts and document decisions with rationale.
• Support routine screening, manage alert queues, and address processing issues.
• Maintain clear case records and progress cases to resolution.
• Assist with identity verification and due diligence checks in line with procedures.
• Collaborate with pension administration teams to obtain evidence and resolve cases promptly.
• Contribute to risk assessments, process improvements and control testing.
• Provide day‑to‑day guidance on processes and escalate higher‑risk decisions.

Skills

Analytical thinking

Financial crime

Investigations

Documentation

Attention to detail

Job description

About Aptia

Founded to shape the future of pensions, health, and insurance solutions, Aptia is a leading professional services firm dedicated to simplifying complexity for businesses and individuals. We bring together cutting-edge technology and deep industry expertise to help organisations navigate an evolving landscape with clarity and confidence. With a presence in the US, UK, India, and Portugal, we support over six million people and more than 1,100 clients, delivering solutions that drive efficiency, enhance financial security, and provide peace of mind. Our strength lies in the combination of smart technology and expert teams, ensuring that managing pensions, health, and insurance is more effective. By focusing on innovation, accessibility, and client success, we help businesses take care of their people, so they can focus on what they do best. And we are expanding. Aptia Group is not only fueled by our investors' backing but also by our commitment to foster the growth and success of our people. At Aptia, we’re investing heavily in learning and development, paving unique career paths for our colleagues. Specialist. Responsive. Thoughtful. Our values aren't just words; they are the backbone of our business. Our team embodies our values daily, to surpass client expectations, evolve constantly and nurture genuine relationships for the long-term.

Job requirements

Join Aptia and help protect our business, clients and members from financial crime. At Aptia, we’re transforming pensions and employee benefits administration through expertise, innovation and a commitment to delivering exceptional outcomes for our clients and members. As our business continues to grow, we’re looking for a highly analytical and detail-oriented Financial Crime Analyst to join our Financial Crime team (1LOD). This is an exciting opportunity for someone with practical experience in financial crime investigations, fraud prevention or screening who is looking to develop their expertise within a supportive and growing organisation. You’ll support the First Line Financial Crime Lead by reviewing referrals, investigating potential financial crime risks, maintaining effective case records and helping operational teams apply established controls to protect clients and members.

What you’ll be doing:

As Financial Crime Analyst, you’ll support the day-to-day delivery of first-line financial crime activity across our UK business, reporting into the First Line Financial Crime Lead. Working closely with operational teams and escalating matters when required, you’ll: Investigate referrals relating to suspected pension fraud, member impersonation, changes to bank details, unusual benefit payment requests, overseas payments and other potentially high-risk activity, escalating significant concerns to the First Line Financial Crime Lead. Review and analyse information from multiple sources to identify concerns, inconsistencies and potential financial crime risks. Review PEP, sanctions and AML screening alerts, document false-positive decisions with supporting rationale, identify potential matches and elevate concerns in line with agreed procedures. Support routine and periodic screening activity, help manage allocated alert queues and bring backlogs, potential matches or processing issues to the attention of the First Line Financial Crime Lead. Maintain clear, accurate case records and investigation documentation; follow up outstanding information with operational teams and progress allocated cases through to resolution or appropriate escalation. Support member and third-party identity verification and due diligence checks, including reviews of identity documents, authorities to act and changes to payment instructions, in line with established procedures. Work with pension administration teams to obtain evidence, track outstanding requests and help resolve cases promptly without unnecessarily delaying legitimate member payments. Help maintain case trackers and management information, highlighting overdue cases, recurring issues, screening volumes and potential control improvements to the First Line Financial Crime Lead. Assist the First Line Financial Crime Lead with information gathering for risk assessments, control testing, process improvements and remediation activities, rather than owning the methodology or overall control framework. Provide day-to-day guidance to operational teams on established financial crime processes, refer policy interpretations, exceptions and higher-risk decisions to the First Line Financial Crime Lead. Assist in preparing guidance materials, communications and training content for review and approval by the First Line Financial Crime Lead.

What we’re looking for:

We’re interested in candidates who can combine strong analytical skills with sound judgement and a proactive approach to problem-solving.

Essential experience:

• At least 3 years' experience in financial crime, fraud prevention, investigations, compliance, risk or a related field.
• Hands‑on experience reviewing financial crime referrals, PEP or sanctions screening alerts, or suspected fraud cases, with the ability to document findings and recommendations clearly.
• Understanding of key financial crime risks including fraud, money laundering, sanctions, politically exposed persons (PEPs), bribery and corruption.
• Strong investigative and analytical skills with the ability to assess information from multiple sources.
• Excellent written communication and record-keeping skills.
• Ability to prioritise an allocated caseload, follow up actions promptly and handle sensitive information accurately, while recognising when to process and report escalations.

Desirable experience:

• Experience within pensions, financial services, insurance or similar regulated environments.
• Knowledge of AML, sanctions or identity verification systems.
• Experience of member or customer due diligence, identity verification, case management, management information or assisting with control testing.
• Relevant financial crime, fraud, compliance or risk qualifications, or a willingness to work towards one.

Aptia is committed to creating a diverse, inclusive and equitable work environment. At Aptia, fostering an equitable and inclusive environment for all our people to flourish is a priority. We are an equal opportunity employer and aim to attract and retain the best people without attention to age, background, disability, ethnic origin, family duties, political affiliation, race, religion, gender and sexual orientation. If there are any reasonable adjustments we can make to the recruitment process to ensure it is accessible to you, we encourage you to reach out to us.

Aptia is a trusted provider of employee benefits and pension administration services, with offices in the U.S. and U.K. supported by shared services in India and Portugal. We manage programs covering over six million people and serving more than 1,100 clients, catering to both B2B purchasers of the administration platform and B2C employees. With our extensive experience in the industry, we will deliver efficient and reliable solutions that ensure the smooth management of employee benefits programs. Our dedicated team of experts will combine in-depth knowledge with leading technology to simplify the administration process for clients.