Lubbock Fine

Financial Crime

• Take ownership of ongoing AML and KYC reviews and ensure client files remain compliant
• Conduct detailed client-file reviews, identify gaps and inconsistencies, and recommend further investigation or action
• Assess KYC accuracy, update client risk ratings, and undertake sanctions and watchlist screening
• Identify clients requiring Enhanced Due Diligence and recommend appropriate monitoring
• Review client activity and transaction patterns for unusual or suspicious indicators
• Prepare evidenced findings and recommendations and escalate concerns where appropriate
• Lead KYC and AML remediation projects through to resolution
• Prioritise remediation according to risk, materiality and regulatory deadlines
• Collaborate with client-facing teams and internal stakeholders to resolve documentation issues
• Refresh outdated KYC information and maintain remediation records and audit trails
• Report progress, emerging risks and outstanding issues to the Head of Risk & Compliance
• Review onboarding questionnaires and documentation for completeness, accuracy and consistency
• Verify client identities and assess client profiles and risk exposure
• Evaluate business activities, source of funds and source of wealth
• Identify and verify UBOs and PSCs
• Conduct PEP, sanctions and adverse screening during onboarding
• Escalate higher-risk, complex or unusual relationships to the MLRO
• Provide first-line challenge before client relationships are approved
• Maintain accurate, complete and auditable KYC and AML records in compliance and client management systems
• Ensure records comply with UK AML legislation, regulatory requirements and GDPR
• Support process improvement by identifying trends, recurring issues and opportunities to strengthen AML and KYC controls

Senior AML Analyst