Senior Financial Crime Analyst - DOSH

allpay Limited; Hereford; On-site; GBP 50,000 - 70,000; Full time

Benefits offered by this job

On-site gym

Subsidised Café & Restaurant

Farm shop and staff amenities

Job summary

allpay Limited in Hereford is seeking a Senior Financial Crime Analyst to join our Compliance team and help protect customers, products and business from financial crime risks across DOSH, our consumer-facing financial product. You’ll investigate fraud, suspicious activity and financial crime concerns, making informed, risk-based decisions that support regulatory compliance and good customer outcomes.

You’ll work closely with colleagues across the business, sharing insights, building

Qualifications

• Strong knowledge of financial crime prevention, fraud risk management and AML requirements.
• Experience investigating fraud, suspicious activity or financial crime risks.
• Understanding of transaction monitoring, CDD, EDD and SAR processes.
• Excellent data interpretation and ability to identify meaningful trends.

Responsibilities

• Investigate transaction monitoring alerts, fraud referrals and potential money laundering or financing activity.
• Assess customer and transaction activity, document findings and provide evidence-based recommendations.
• Conduct CDD, EDD and ongoing monitoring for higher-risk customers.
• Support account restrictions, customer communications and escalations as needed.
• Contribute to SAR processes in line with internal procedures.
• Use MI and risk data to identify trends and strengthen controls.

Skills

Financial crime prevention

Fraud risk management

AML requirements

CDD/EDD

SAR processes

Data analytics

Stakeholder communication

Case management

Problem solving

Job description

About The Role

We’re looking for a Senior Financial Crime Analyst to join our Compliance team and help protect our customers, products and business from financial crime risks across DOSH, our consumer-facing financial product.

This is a varied and rewarding role where you’ll investigate fraud, suspicious activity and financial crime concerns, making informed, risk-based decisions that support both regulatory compliance and good customer outcomes. You’ll work closely with colleagues across the business, sharing insights, building strong relationships and helping to promote a culture of financial crime awareness and prevention.

You’ll also provide guidance and support to junior team members, helping to drive consistency, quality and knowledge-sharing across the team.

Key responsibilities include:

• Investigating transaction monitoring alerts, fraud referrals, APP fraud and potential money laundering or terrorist financing activity.
• Assessing customer and transaction activity, documenting findings and making evidence-based recommendations.
• Conducting CDD, EDD and ongoing monitoring activities for higher-risk customers.
• Supporting account restrictions, customer communications and escalations where required.
• Contributing to SAR processes in line with internal procedures.
• Using MI and risk data to identify trends, emerging risks and opportunities to strengthen controls.

About You

Could this be the ideal role for you?

We’re looking for someone with experience in financial crime, fraud, compliance or a similar regulated financial services environment who enjoys solving problems, working collaboratively and making sound, risk-based decisions.

You’ll bring:

• Strong knowledge of financial crime prevention, fraud risk management and AML requirements.
• Experience investigating fraud, suspicious activity or financial crime risks.
• An understanding of transaction monitoring, CDD, EDD and SAR processes.
• Strong analytical skills and the ability to interpret data and identify meaningful trends.
• Knowledge of FCA expectations for payment and e-money firms.
• Understanding of Payment Systems Regulator (PSR) requirements and industry best practice.
• Excellent communication and case management skills, with a focus on clear and accurate documentation.
• The confidence to build relationships with stakeholders, challenge where appropriate and communicate complex issues effectively.
• A collaborative approach, with a willingness to support and share knowledge with colleagues across the team.

While not essential, it would be beneficial if you have:

• Experience working within payments, e-money or fintech environments.
• A relevant financial crime, compliance or fraud qualification, such as ICA, ACAMS or equivalent.

Here at allpay, we follow an Office First working model, reflecting the importance we place on in-person collaboration across our teams, most of whom are based on-site. While we are open to discussing flexible working arrangements, a strong on-site presence will be essential to support the existing teams and projects.

On-Site Amenities at Hereford

Subsidised Café & Restaurant - Enjoy great food and quality coffee at discounted prices in our staff-only café and restaurant.

Staff Gym - Free access to our on-site gym, making it easy to fit exercise into your day.

The Sidings - Our on-site farm shop and café, open to the public, offering fresh local produce and a relaxed space to unwind.

These amenities mean you can enjoy a healthy lunch, fit in exercise before or after work, and take quality breaks without needing to travel.

About Us

Why Join allpay?

People are at the heart of allpay, and we’re proud to offer a competitive benefits package. This includes, D Defined contribution group pension scheme, I ncome protection, Life assurance, Private Healthcare and a wide range of health and wellbeing options, as well as e xcellent Learning and Development opportunities.

Think You Need to Tick Every Single Box? You Really Don’t

We welcome brilliant people from all backgrounds, identities and experiences, including those who think differently, learn differently, or bring unique approaches to problem-solving. Different minds make our teams stronger.

If you’d benefit from any adjustments or support during the recruitment process, whether that’s extra time, a quieter space, a different format, or something else that helps you shine, just let us know. We’re here to make the process work for you.

We are a company committed to Equal Opportunities.

All roles at allpay Limited are subject to successful background checks, including a DBS check and credit check.