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Financial Crime Analyst
Edenred PayTech
Hybrid – Swindon
Competitive Salary + Annual Bonus and Benefits
Edenred PayTech
Hybrid – Swindon
Competitive Salary + Annual Bonus and Benefits
Edenred PayTech is now hiring for a Financial Crime Analyst to join our FinCrime 2LoD team.
This is a hybrid position, working from our Swindon office twice per week, Monday to Friday, between 09:00 - 17:30.
Role & Responsibilities:
- Identify, assess, manage, and report risks and take proactive action to mitigate these
- Enhance existing risk policies and procedures for area of responsibility, becoming the SME for the business
- Conducting quality assurance reviews on 1LoD workstreams and producing high- quality reports and tracking of recommendations
- Develop key deliverables, including process flows, presentations, and MI reports
- Analyse and evaluate complex fraud/AML issues and propose appropriate actions
- Have a solid knowledge and understanding of regulatory framework, industry trends and best practices
- Assess and advise on the design of Financial Crime monitoring systems and tools
Core skills & behaviours:
- Maintain a high standard and auditable account of work
- Ability to use basic Excel, Word, and Outlook
- Able to work at pace with accuracy
- Good interpersonal skills
- Internal and external stakeholders' experience
- Diligence to ensure tasks are followed through to completion
- Ability to work as part of a team as well as independently
- Strong verbal and written communication skills to effectively convey information
- Flexible and adaptable
Why Edenred Paytech?
We are a subsidiary of the Edenred group and a Mastercard Principal Member, and an FCA Electronic Money Institution, offering a range of cutting-edge services including Payment Processing, UK and SEPA banking solutions, BIN sponsorship, and eWallet provisions. We work with various clients across Challenger Banking (Monese, Tide, Anytime, and more), Corporate Benefits (Fuel cards, restaurant tickets), and Retail and Travel services (Sainsbury’s, TUI, Argos).
As an Edenred Paytech employee, you will get the support and structure that you need to enjoy your work and develop your career while doing what you love and making a difference in a fast-paced and innovative business.
What you will get:
- 25 days annual leave plus Bank Holidays
- Hybrid working environment with 3 days per week in the office (flexibility on role-by-role basis)
- Income protection
- Life insurance (4x salary)
- Wellbeing Employee Assistance Program (extended access to family members)
- Employee discount shopping platform
- Digital learning platform Complimentary fruit and other ‘in-office’ snacks & refreshments
- Volunteering program
- Social events
- Pension Scheme – employer 6% with minimum employee contribution 3%
- Discretionary bonus scheme based on company and personal performance
- Holiday trading scheme (buy or sell up to 5 days)
- Medical & international travel cover (leisure and action sports)
- Monthly gym allowance
- Employee referral bonus scheme
- Season ticket loan
- Cycle to Work scheme
Diversity:
Edenred UK and PPS are proud to be an equal opportunity employer. We will not discriminate against any applicant or employee based on age, race, colour, creed, religion, sex, sexual orientation, gender, gender identity or expression, national origin, citizenship, marital status or civil partnership/union status, disability, pregnancy, genetic information, or any other basis prohibited by applicable country or local laws.
Recruitment:
Edenred PayTech and Payment Solutions maintain a strict preferred supplier list (PSL), which is managed centrally by our Talent Acquisition Lead. The PSL is reviewed on a yearly basis, and we will not accept unsolicited CVs submitted from any supplier outside of the PSL. If an unsolicited CV is subsequently hired, we will not accept liability for any fees incurred. We ask you refrain from contacting our hiring managers directly with profiles, and all requests for engagement are made to our careers email.
Edenred PayTech and Payment Solutions maintain a strict preferred supplier list (PSL), which is managed centrally by our Talent Acquisition Lead. The PSL is reviewed on a yearly basis, and we will not accept unsolicited CVs submitted from any supplier outside of the PSL. If an unsolicited CV is subsequently hired, we will not accept liability for any fees incurred. We ask you refrain from contacting our hiring managers directly with profiles, and all requests for engagement are made to our careers email.
- Identify, assess, manage, and report risks and take proactive action
- Take responsibility for ensuring compliance with regulatory requirements, frameworks, and policies
- Work across the FCU function and business to help develop a governance roadmap that can be used to ensure the right actions are being taken
- Enhance existing risk frameworks for area of responsibility, becoming the SME for the business
- Ensure timely collation, production and publication of high-quality papers, minutes and tracking of actions
- Produce MI packs and presentations for internal and external audiences
- Develop key deliverables, including process flows, policy writing, presentations, and reports
- Analyse and evaluate complex issues and propose appropriate actions
- Have a solid knowledge and understanding of regulatory framework, industry trends and best practices
- Setting and reporting metrics to improve both team performance and minimize referral rates to 2LoD and Agents
- Assess and advise on the design of Financial Crime monitoring systems and processes
Key Tasks
Description
- Develop key deliverables, including process flows, policy writing, presentations, and reports
- Analyse and evaluate complex issues and propose appropriate actions
- Have a solid knowledge and understanding of regulatory framework, industry trends and best practices
- Develop a strong understanding and practical application of Financial Crime laws, regulations, and guidance i.e., EU 4th & 5th Money Laundering Directives; UK Money Laundering Regulations 2017/2019; FCA Financial Crime Guide and Rule Book; Bribery Act 2010; Terrorism Act 2000 & 2006; Joint Money Laundering Steering Group (JMLSG) Guidance; Awareness of Sanctions Regimes (UN, EU, OFAC & HMT)
- Help build and optimise the PPS Agent onboarding process, monitoring, AML/KYC, sanctions, ABC, PEPs, CTF and Fraud
- Ensure Agent oversight is prevalent and managed in all interactions and accurate trends/issues and MI are maintained and communicated to management
- Embed processes to review and investigate suspicious and flagged transactions/cases
- Recommend enhancements to processes and procedures to ensure we remain compliant while aligning to a risk-based approach
- Deep understanding of the tools/systems utilised by the team to ensure enhancements and new features are requested as part of product development/UAT
- Review exception requests to policy and propose recommendations to manager
- Ensure that transaction monitoring is performed, conducting EDD and identifying suspicious activity requiring further investigation to mitigate risks associated to PEPS, high risk customers, potential fraudulent or suspicious activity
- Make decisions across a variety of real-time queues, such as transaction monitoring, sanction screening and EDD reviews
- Write and review Suspicious Activity Reports (SARs)
- Mentor and advise junior analysts
- Support the development and upskilling of the 2LoD function
- Quality assure and support team members with their workloads
- Assist in delivering training for internal and external stakeholders
- Help to build collaborative relationships internally and externally
- Lead on projects that are assigned by manager
- Managing various workstreams effectively so no backlogs arise
- Review, test and update operational scenarios periodically
- Ensure Customer screening/payment filtering for sanctions, PEPs and suspicious transactions are dealt with efficiently
- Formation and operation of processes and procedures
- Assessment of systems and controls through gap analysis and continuous improvement
- Develop in depth knowledge of PPS’ data sources and payment systems to gain insights into Agent’s behavior
Apply now and Vibe with Us!
