Senior AML Investigator & Onboarding Lead

payabl.; Greater London; On-site; GBP 65,000 - 95,000; Full time

Job summary

Jobtailor is seeking an experienced AML and financial crime professional in the UK to support the business across onboarding, investigations, and risk management. This role focuses on KYC/CDD/EDD, sanctions screening, SAR/STR preparation, and ongoing reviews.

You will own and improve AML procedures, collaborate with Compliance, Risk, and banking partners, and ensure compliance with UK AML/CTF and FCA expectations.

Qualifications

• 5+ years of AML/Financial Crime experience within financial services.
• Hands-on KYC/CDD/EDD, onboarding, AML investigations, monitoring, sanctions screening, and SAR/STR preparation.
• UK AML and FCA-regulated environment experience.
• Experience onboarding client or merchant reviews and assessing AML risks.
• Experience handling AML investigations and escalations using a risk-based approach.
• Experience drafting SARs/STRs and escalation process.
• Experience maintaining/improving AML processes and procedures.
• Independent; good decision making with limited supervision.
• Strong understanding of UK AML/CTF and regulatory expectations.
• Analytical mindset and attention to detail; strong English communication.
• Integrity and confidentiality in a regulated environment.
• Comfortable in a fast-paced, evolving environment.
• Experience in Payments/Fintech/Regulated environments.
• Experience with acquiring, merchant services, or payment processing.
• Experience with AML tech platforms like ComplyAdvantage, LexisNexis or similar.
• ACAMS, ICA certifications or commitment to obtain

Responsibilities

• Support the UK entity across client onboarding, AML investigations, transaction monitoring escalations, sanctions screening, SAR preparation, periodic reviews, and AML process and procedure management
• Conduct and review client and merchant onboarding activities, including KYC, CDD, and EDD assessments
• Assess customer risk profiles, business activities, ownership structures, jurisdictions, source of funds/wealth, and other AML risk factors
• Conduct medium-level AML and financial crime investigations and manage escalations from Transaction Monitoring, Risk teams, and banking partners
• Review transaction activity and customer behaviour to identify unusual patterns, red flags, and potential financial crime risks
• Conduct and support sanctions screening and related investigations
• Prepare and draft Suspicious Activity Reports for escalation to the MLRO and submission to relevant authorities where appropriate
• Conduct periodic and annual AML reviews and update customer risk assessments
• Own, implement, maintain, and improve AML procedures, processes, and controls
• Support AML procedures for new products and business activities
• Apply UK AML/CTF requirements and FCA expectations to day-to-day activities
• Provide guidance to stakeholders on AML and financial crime risks
• Maintain accurate and confidential customer and AML records
• Escalate material findings, risks, and potential regulatory concerns to the Head of Compliance & MLRO UK
• Collaborate with Compliance, CDD, Onboarding, Risk, Transaction Monitoring, banking partners, and other stakeholders
• Stay informed about regulatory developments and evolving financial crime risks and adapt processes
• Complete TA, in-depth, and final interviews as part of the hiring process

Skills

AML/Financial Crime risk assessment

KYC/CDD/EDD onboarding

Transaction Monitoring

Sanctions Screening

Regulatory compliance (UK FCA)

Analytical mindset

Education

ACAMS

ICA

Tools

ComplyAdvantage

LexisNexis

AML platforms

Job description

Jobtailor is seeking an experienced AML and financial crime professional in the UK to support the business across onboarding, investigations, and risk management. This role focuses on KYC/CDD/EDD, sanctions screening, SAR/STR preparation, and ongoing reviews.

You will own and improve AML procedures, collaborate with Compliance, Risk, and banking partners, and ensure compliance with UK AML/CTF and FCA expectations.