Financial Crime Investigator

GoHenry; Farnborough; Hybrid; GBP 40,000 - 60,000; Full time

Job summary

A FinTech company in Farnborough is seeking a Financial Crime Investigator to ensure compliance with legal standards. The ideal candidate will have at least 2 years of experience in FinTech or Fraud Prevention, excellent analytical skills, and the ability to manage multiple investigations efficiently. The role involves reviewing account activities and conducting regulatory assessments. Competitive salary and benefits, including hybrid working options, annual leave, and well-being support are included.

Benefits

33 days holiday

Hybrid working after probation

Bupa Health Cash Plan

Birthday day off

Enhanced maternity leave

Death in service benefit

Qualifications

• Minimum of 2 years experience in financial crime or a related field.
• Familiarity with card processing and chargebacks.
• Fluency in English, both spoken and written.

Responsibilities

• Review customer account activity from a Financial Crime perspective.
• Ensure compliance with AML and global sanctions.
• Manage complex investigations from transaction alerts.

Skills

Attention to detail

Pattern recognition

Decision-making

Time management

Communication skills

Team collaboration

Education

2+ years in FinTech or Fraud Prevention

Tools

Excel

Fraud assessment tools

Job description

Financial Crime Investigator | GoHenry - Farnborough

GoHenry is a UK-based fintech company created by parents to pioneer financial education. More recently, GoHenry moved into Europe and the US by joining forces with French fintech company PixPay and US investing app, Acorns.

Together, Acorns, PixPay, and GoHenry have over 6 million members across 5 countries. We are focused on empowering families with engaging money management tools, educational content, and a seamless product experience that creates financial well-being from birth to adulthood.

We are looking for a Financial Crime Investigator to be part of the Financial Crime team by performing critical Know Your Customer (KYC), Anti-Money Laundering (AML), and fraud monitoring activities to protect our members and the business. This role is vital in ensuring the safety and security of our platform for millions of young people and their families.

What you will do at GoHenry:

• Use your knowledge, skills, and instincts to review customer account activity and support our Member Services and Operations Teams to resolve customer issues quickly, applying a Financial Crime perspective.

• Ensure adherence to AML and Global Sanctions requirements, as well as internal policies and standards.

• Work to ensure that the business fraud cost is kept to an optimal level, whilst minimising the impact on genuine customers.

• Manage the execution of complex investigations arising from transaction monitoring alerts, internal escalations, and external referrals.

• Review incoming UK chargebacks and provide Financial Crime assessment (1st vs 3rd party classifications), appealing decisions as appropriate.

• Perform customer screening against the PEPs and sanctions Lists.

• Develop knowledge of processes, regulations, and applicable law regulations on credit card fraud and fraud recovery through research of internal/external resources and assisting more experienced Fraud Investigators.

• Contribute to team meetings on departmental strategy.

• Perform multiple administrative duties and departmental tasks as and when necessary.

What you will bring to GoHenry:

• A minimum of 2 years working in FinTech, Fraud Prevention, or a related field is an advantage.

• An understanding of the US payments landscape and ACH payments is a definite plus.

• A strong ability to recognise patterns and anomalies, with a confident approach to decision-making.

• Exceptional attention to detail and an ability to identify emerging trends in market abuse and financial crime typologies and propose control enhancements.

• Ability to manage multiple investigations simultaneously while working under high pressure and tight timelines.

• Familiarity with card processing, chargebacks etc. is essential.

• Comfortable working collaboratively and with flexibility in a fast-paced team environment.

• A proactive, forward-thinking mindset with the ability to work closely across multiple departments.

• Well-organised with good time-management skills.

• Fluent in English, with excellent spoken and written communication skills.

• Basic Excel skills – training will be provided as needed.

What’s in it for you?

All the essentials you would expect, including a workplace pension plan, 33 days of holiday (including public holidays), & great company events local & abroad!

Other Offers:

• Hybrid Working - Upon completion of Probation

• Your Birthday Day off

• 25 days annual leave, in addition to 8 UK bank holidays

• An excellent Induction & onboarding program with ongoing learning & development throughout your career

• A choice between Bupa Health Cash Plan or Bupa Private Medical

• Death in service – 4x your annual salary from month 1

• Physical and Mental Wellbeing support and platforms for you and your family

• Family-friendly leave policies

  • Enhanced maternity leave – 20 weeks full basic pay after 2 years’ service and 26 weeks full basic pay after 3 years’ service

  • Paternity leave – 4 weeks full pay after probation

• Salary Sacrifice options

About GoHenry

We’re on a mission to help every kid be smart with money. Our goal? Create generations of independent, confident young adults, armed with money skills that will set them up for life.

How we do it:

We place the power in the hands of young people, giving them the tools they need to master the financial ropes for themselves. They can spend, save, earn, and give with GoHenry’s prepaid debit card and app – because learning through doing really works (and it’s more fun!). All while our unique built-in controls give parents total peace of mind.

We’re proud to say...

• We ranked #38 in Newsweek\'s Top 100 Most Loved Workplaces in the UK in 2023

• We’re one of Tech Track’s top 50 fastest-growing UK companies.

• We won Finders Kid’s Cards Customer Satisfaction Awards in 2022 and 2023.

• We won the Tech for Good award at the Better Society Awards 2023.

• Our kids and parents have donated over £500,000 of their own money to NSPCC via their GoHenry accounts.

But we’re still growing, and that’s why we need you.

GoHenry is an equal-opportunity employer, and we’re on a mission to foster a diverse & inclusive workplace. Individuals seeking employment at GoHenry are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.