Financial Crime Analyst

Aptia Group India; Greater London; Hybrid; GBP 42,000 - 65,000; Full time

Job summary

Aptia is seeking a highly analytical Financial Crime Analyst to join its Financial Crime team (1LOD). The role focuses on reviewing referrals, investigating potential risks, and maintaining robust case records to protect clients and members.

This is an opportunity to develop expertise within a growing organisation. Ideal candidates will have at least 3 years of experience in financial crime, fraud prevention or investigations and a proactive approach to problem-solving.

Qualifications

• Strong analytical skills and sound judgement are essential.
• Proactive approach to problem-solving in a financial crime context.
• Experience in financial crime, fraud prevention or investigations is valued.

Responsibilities

• Investigate referrals related to suspected pension fraud and other high-risk activity, escalating as needed.
• Review information from multiple sources to identify concerns and potential financial crime risks.
• Review screening alerts (PEP, sanctions, AML), document decisions with rationale and escalate where appropriate.
• Maintain clear case records and progress cases through to resolution or escalation.
• Support identity verification and due diligence checks in line with procedures.
• Assist in risk assessments, control testing and remediation activities as part of the Financial Crime team.

Skills

Analytical skills

Judgement

Problem-solving

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:

• 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, referring 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, investigati