Senior AML Officer – UK Compliance, Hybrid

Financeroles; Greater London; Hybrid; GBP 60,000 - 85,000; Full time

Benefits offered by this job

Vacation days

Learning budget

Uber Eats credit

Transportation allowance

Company celebrations

Global events

Maternity leave

Job summary

payabl. is seeking an AML Officer to support the UK entity across AML and financial crime activities, including onboarding, investigations, sanctions screening, and SAR/STR preparation.

This fixed-term maternity cover role requires independent work, risk-based judgement, and collaboration with the Head of Compliance & MLRO UK. The position is UK-hybrid with up to two days per week in the London Holborn office.

Qualifications

• 5+ years of relevant AML / Financial Crime experience within financial services.
• Proven hands-on experience across multiple AML activities, including KYC/CDD/EDD, client onboarding, AML investigations, transaction monitoring, sanctions screening, and SAR/STR preparation.
• Previous experience working within a UK AML and FCA-regulated environment.
• Strong experience conducting client or merchant onboarding reviews and assessing AML and financial crime risks.
• Experience handling AML investigations and escalations, with the ability to assess cases using a risk-based approach.
• Experience preparing or drafting SARs/STRs and understanding the escalation process.
• Experience maintaining, structuring, or improving AML processes and procedures.
• Ability to work independently, take ownership of cases, and make sound decisions with limited supervision.
• Strong understanding of AML/CTF principles, financial crime risks, and UK regulatory expectations.
• Analytical mindset with strong attention to detail and the ability to investigate beyond initial information.
• Strong written and verbal communication skills in English.
• High level of professional integrity, ethical judgement, and confidentiality.
• Comfortable working in a fast-paced, regulated environment.

Responsibilities

• Conduct and review client and merchant onboarding activities, including KYC, CDD, and EDD assessments.
• Assess customer risk profiles, ownership structures, jurisdictions, source of funds/wealth, and other AML risk factors.
• Conduct AML investigations and manage escalations from Transaction Monitoring, Risk teams, and banking partners.
• Review transaction activity and customer behaviour to identify unusual patterns and potential AML risks.
• Prepare and draft SARs/STRs for escalation to the MLRO and submission to authorities where appropriate.
• Conduct periodic AML reviews and update customer risk assessments as required.
• Take ownership of AML procedures and ensure they are effectively implemented.
• Identify gaps and opportunities to improve AML processes, controls, and procedures.
• Support the development and implementation of AML procedures for new products.

Skills

AML experience

Financial crime

KYC/CDD/EDD

Onboarding reviews

UK regulatory knowledge

Analytical thinking

English communication

Tools

ComplyAdvantage

LexisNexis

Job description

payabl. is seeking an AML Officer to support the UK entity across AML and financial crime activities, including onboarding, investigations, sanctions screening, and SAR/STR preparation.

This fixed-term maternity cover role requires independent work, risk-based judgement, and collaboration with the Head of Compliance & MLRO UK. The position is UK-hybrid with up to two days per week in the London Holborn office.