Financial Crime Operations Analyst - EDD & KYC Expert

Ryft; Manchester; On-site; GBP 55,000 - 85,000; Full time

Job summary

Ryft is seeking a Financial Crime Operations Analyst to lead enhanced due diligence and escalated KYC casework within onboarding. You will operate in the first line of defence, reporting to the Underwriting Manager, and handle high-risk EDD reviews and AML-related inquiries.

You will apply Ryft's EDD framework, maintain audit-ready records, and escalate to MLRO when needed while ensuring regulatory standards are met throughout merchant onboarding.

Qualifications

• Strong financial crime background with hands-on EDD and escalated KYC experience.
• Experience gained within PSPs, payment facilitators, acquiring banks, or regulated fintech.
• Ability to write defensible EDD rationales and FCA/regulatory documentation.
• Excellent written communication and concise case summaries.
• Understanding of SAR obligations and tipping-off restrictions.

Responsibilities

• Conduct enhanced due diligence reviews on high-risk or escalated merchant applications.
• Take ownership of escalated KYC cases and produce clear written rationale.
• Apply Ryft's EDD framework and document risk decisions for regulatory scrutiny.
• Identify cases warranting MLRO escalation and prepare full summaries.
• Maintain audit-ready EDD records complying with MLR 2017, JMLSG, and FCA.
• Support SAR reporting considerations and liaise with MLRO.

Skills

Financial crime experience

EDD & KYC casework

Regulatory knowledge (FCA/JMLSG)

Written communication

Risk-based decision making

Education

ICA Certificate or Diploma in Financial Crime

Tools

GBG

Dotfile

ComplyAdvantage

Job description

Ryft is seeking a Financial Crime Operations Analyst to lead enhanced due diligence and escalated KYC casework within onboarding. You will operate in the first line of defence, reporting to the Underwriting Manager, and handle high-risk EDD reviews and AML-related inquiries.

You will apply Ryft's EDD framework, maintain audit-ready records, and escalate to MLRO when needed while ensuring regulatory standards are met throughout merchant onboarding.