Financial Crime Analyst

Stream; Greater London; On-site; GBP 40,000 - 55,000; Full time

Benefits offered by this job

25 Days Annual Leave + rollover

Private Healthcare

Sabbatical scheme

Pension salary sacrifice

Season Ticket Loan

Job summary

Stream is a London-based fintech offering fair financial tools to workers, with a hybrid London office presence. We seek a Financial Crime Analyst to review KYC/AML, monitor transactions, and conduct due diligence to meet UK laws. You’ll work with MLRO and Compliance and join a team of 300+ across Europe and the USA.

The role involves architecting integrations, onboarding new clients, and platform optimisation using Python, PostgreSQL, Snowflake, and AWS. Hybrid work and equity are included.

Qualifications

• Minimum 2 years of KYC, financial crime or AML experience within a Fintech or financial services firm.
• Knowledge of UK regulatory frameworks related to financial crime (AML, KYC, Fraud and Sanctions regimes).
• Experience managing transaction monitoring and screening alerts across multiple financial products (Card, Loans and Savings).
• Proficiency in using financial crime detection tools and software (Onfido, ComplyAdvantage, DowJones, CIFAS) and open source intelligence.
• Understanding of and interest in Fintech, consumer credit, savings, and financial services regulation desirable.
• Ability to collaborate effectively with cross-functional teams and external partners.
• Excellent analytical, communication and organisational skills.

Responsibilities

• Architect, develop, and test code that integrates with third-party payroll, HR and WFM systems.
• Support the onboarding of new clients by configuring them onto existing integration frameworks.
• Maintain and enhance the current integrations platform, driving broader system-level optimisations.
• Within the first 6 months you’ll have developed a strong understanding of our domain, integrated multiple clients as the lead engineer, and contributed to the technical evolution of the integrations platform.

Skills

KYC & AML

Transaction Monitoring

Fraud due diligence

Financial crime compliance

Cross-functional teamwork

Tools

Python

PostgreSQL

Snowflake

AWS

Onfido

ComplyAdvantage

DowJones

CIFAS

Job description

Stream was founded with the mission to provide fair financial tools to the everyday worker. Offered through destination employers like Greene King, Bupa, Burger King, Asda and the NHS, our award-winning platform helps over three million people to earn, learn, save, spend and borrow on their own terms, all in one smartphone app.

Stream is unique: VC backed and growing at scale, but with a social conscience. Some of the world's leading impact funds were our founding investors, and we operate on a social charter, which means every product and service we create must measurably improve financial wellbeing.

You’d be joining a team of over 300 passionate, ambitious people across Europe and the USA, building a category-defining product, and united by that same mission.

This Role:

The Financial Crime analyst role is part of our Financial Crime team. The Financial Crime Analyst is responsible for reviewing Know Your Customer (“KYC”), Anti-Money Laundering (“AML”), Transaction Monitoring and fraud due diligence checks on our customers and their transactions to ensure compliance with all applicable laws and UK regulations and to safeguard Stream against financial crime risk. The Financial Crime Analyst will report into our Financial Crime Manager and work closely with our MLRO and Compliance teams.

What will you be doing:

• Working with our Solutions Team and Delivery Managers to architect, develop, and test code that integrates with third-party payroll, HR and WFM systems

• Support the onboarding of new clients by configuring them onto existing integration frameworks

• Maintain and enhance the current integrations platform, driving broader system-level optimisations

Within the first 6 months you’ll have developed a strong understanding of our domain, integrated multiple clients as the lead engineer, and contributed to the technical evolution of the integrations platform.

The key technologies we use are Claude Code, Python, PostgreSQL, Snowflake and AWS.

What experience might you have? (But if you’re close… we‘d still love to talk to you!)

• Minimum 2 years of KYC, financial crime or anti-money laundering experience within a Fintech or financial services firm.

• Knowledge of UK regulatory frameworks related to financial crime (e.g., AML, KYC, Fraud and Sanctions regimes).

• Experience managing transaction monitoring and screening alerts across multiple financial products (Card, Loans and Savings).

• Proficiency in using financial crime detection tools and software (Onfido, ComplyAdvantage, DowJones, CIFAS) and open source intelligence.

• Understanding of and interest in Fintech, consumer credit, savings, and financial services regulation desirable.

• Ability to collaborate effectively with cross-functional teams and external partners.

• Excellent analytical, communication and organisational skills.

• Ability to maintain strict confidentiality.

Hybrid Working:

Ability to work from our London office 3 days a week, blending with remote work.

Salary:

Dependent on experience and seniority, ranging from £40,000 to £55,000, plus an equity vesting schedule in one of the world's fastest growing FinTechs.

What will we do for you?

• 25 Days Annual Leave in addition to public holidays (up to 5 day rollover), as well as flexible time off allowances for any ad-hoc childcare/family/caring needs.

• 24 weeks' paid Maternity Leave and 4 weeks paid Paternity Leave for employees with over 12 months service.

• Special Leave for In Vitro Fertilisation (IVF) and other fertility treatments.

• Sabbatical scheme.

• Paid leave to volunteer.

• Private Healthcare including comprehensive mental and physical healthcare.

• Salary sacrifice to pension, as well as bonus exchange to Pension: reap even more rewards of any bonus by paying into your pension & save on Tax and NI + added compound growth.

• Enjoy savings with our electric vehicle salary sacrifice scheme.

• Season Ticket Loan.

• Access to Salary Sacrifice Schemes via ThanksBen: THE Benefits marketplace. Choose the benefits you want, when you want. Pay less tax, receive more value, including: Workplace nurseries, Cycle to Work, Home and Tech Scheme and more.

• The best benefit of all, access to Stream!

At Stream we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our product and our community to flourish. Stream is an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity/expression, or veteran status.