Financial Crime

• Review and investigate transaction monitoring alerts against AML and Counter-Terrorist Financing criteria
• Raise and accurately report Suspicious Activity Reports and support follow-up investigations before submission to the National Crime Agency
• Maintain current knowledge of AML, POCA, CTF and JMLSG guidance and apply it
• Respond promptly to law-enforcement enquiries while meeting GDPR requirements
• Analyse patterns, trends and unusual customer behaviour to identify fraud risks, prevent financial loss and reduce regulatory exposure
• Act as a point of reference for colleagues and stakeholders on financial crime detection and prevention
• Screen alerts for Politically Exposed Persons, UN Sanctions and SIPs, verifying identity and identifying Adverse Media
• Complete regular Enhanced Due Diligence checks on PEPs, RCAs and SIPs retained by the business
• Work Monday–Friday, 14:45–22:15
• Attend occasional in-person team days in Bolton or Speke
• Collaborate with internal teams and law-enforcement partners

Financial Crime Specialist

• Embed and maintain a culture of Financial Crime Risk awareness throughout the Atos BPS business account
• Contribute to the development of the financial crime risk management operating model, projects, systems, and processes
• Provide support and leadership across teams based primarily at the Lytham sites
• Act as a subject matter expert for financial crime advice, guidance, and direction
• Oversee and challenge the embedded Financial Crime framework, tools, and mechanisms
• Advise and support projects and systems developments on financial crime risk, processes, and control techniques
• Ensure regulatory AML compliance and effective fraud risk management
• Contribute to Financial Crime strategy assessment and development for relevant business units
• Provide advice, guidance, and effective reporting on Financial Crime policy and practice
• Provide financial crime advice and analysis for business initiatives, bespoke projects, transactions, and investigations
• Identify potential or actual financial crime risks and ensure escalation, remediation, and mitigation
• Provide leadership and advice to other financial crime team members within Atos BTS
• Report through a matrix structure to the Financial Crime Director (MLRO), Senior Financial Crime Manager (NO), and Risk & Assurance Director
• Engage with senior Atos and customer management teams, the Customer Risk team, suppliers, auditors, industry bodies, and expert groups

Financial Crime Risk Manager

• Lead and manage a team of KYC specialists, including recruitment, training, performance management, and professional development
• Foster a culture of compliance, continuous improvement, and operational excellence
• Provide day-to-day supervision, guidance, and support to KYC analysts
• Ensure timely and accurate completion of KYC reviews and onboarding activities
• Monitor workload distribution and adjust team priorities to meet deadlines and SLAs
• Develop, implement, and maintain KYC policies, procedures, and controls
• Oversee customer onboarding and KYC reviews for new and existing customers
• Ensure ongoing monitoring of customer activities to identify and report suspicious transactions or behaviors
• Stay informed of regulatory developments, trends, and best practices related to KYC, AML, and CTF
• Ensure KYC processes align with local and international regulations, including FATF recommendations and EU AML directives
• Liaise with regulatory authorities and participate in audits, inspections, and regulatory examinations
• Draft, maintain, and update procedure documents, SOPs, and job aids
• Identify automation and efficiency opportunities and partner with stakeholders on implementation
• Identify, assess, and mitigate KYC-related risks, including money laundering, terrorist financing, and other financial crimes
• Collaborate with Risk Management, Legal, and Internal Audit
• Perform quality control checks and ensure adherence to internal policies, regulatory standards, and best practices
• Identify and escalate potential risks or red flags in client files
• Develop and present regular KYC reports to senior management and stakeholders
• Use data analytics to improve KYC effectiveness
• Drive technology and automation adoption in KYC processes
• Evaluate and implement KYC software solutions
• Assist with due diligence visits and audits
• Act as liaison between KYC, compliance, legal, front office, and onboarding teams
• Support onboarding and training of new team members
• Mentor team members and promote continuous learning

KYC Services Manager

• Carry out due diligence on counterparties and underlying holdings for new deals and reviews of existing relationships
• Conduct open source research to find and validate information
• Perform screening against sanctions, PEP and adverse media sources, investigate alerts and document the disposition
• Risk rate counterparties and record findings with clearly articulated reasoning
• Escalate red flags, risks and issues promptly to senior analysts or the team lead
• Maintain accurate records and audit trails within internal systems, following naming conventions
• Complete trackers and registers that feed management information and reporting
• Work within established control frameworks, workflows and SLAs
• Liaise with internal teams to resolve queries and chase missing documentation

Junior KYC Analyst – KYC Managed Service

• Apply the client's quality standards across all work produced by the pod
• Check work in progress, provide practical feedback and give sign-off
• Ensure processes, procedures and record-keeping are applied consistently and correctly
• Identify quality trends, training needs and process improvements, and act on them
• Prepare and deliver ongoing technical training for the team
• Provide day-to-day technical support to analysts at all levels
• Support reporting on QC matters, with insight and commentary rather than raw numbers
• Back up the Pod Lead and Deputy Pod Lead on technical communications with investment desks and client risk functions
• Step up as Deputy Pod Lead for short periods, including sensitive communications with counterparties under review
• Process cases directly where volumes or deadlines require it

QC Analyst – KYC Managed Service

• Complete enhanced due diligence on complex counterparties, deals and investment structures
• Unpick ownership and control chains, including nominee, trust and multi-jurisdictional arrangements
• Resolve sanctions, PEP and adverse media exposure, and determine whether risk is mitigated or must be escalated
• Produce written risk assessments with clear reasoning, identified risks and proposed mitigants
• Present findings and recommendations to the Pod Lead, QC and, where required, client risk functions
• Liaise directly with investment desks to obtain documentation and clarify structures
• Support and check the work of junior analysts, and act as a technical point of reference
• Maintain complete audit trails and meet SLA on complex cases

Senior KYC Analyst – KYC Managed Service

• Own day-to-day delivery for the pod, including allocation, prioritisation and SLA performance
• Act as the senior point of contact for investment desks and the client's first and second line of defence on due diligence matters
• Take ownership of escalated and sensitive cases, including complex ownership structures and high-risk counterparties
• Review and challenge risk assessments produced by the team, and sign off where required
• Produce and present management information on volumes, quality, ageing and risk themes
• Identify capacity, capability and process issues early and resolve or escalate them
• Line manage, coach and develop analysts across all levels within the pod
• Work with the QC function to close out quality trends and training needs

Pod Lead – KYC Managed Service

• Manage daily allocation, prioritisation and workflow across the pod
• Act as first escalation point for analysts on technical and process questions
• Deputise fully for the Pod Lead, including stakeholder communications, during absence
• Manage sensitive communications with investment desks and with counterparties subject to due diligence
• Review completed cases and provide practical feedback before QC or sign-off
• Track ageing, blockers and outstanding documentation, and chase to closure
• Contribute to management information and SLA reporting
• Process complex cases directly where volumes or deadlines require it

Deputy Pod Lead – KYC Managed Service

• 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

• Manage and coordinate the Bank’s activities in preparation for the s.166 review process
• Define and communicate protocols for responding to the Skilled Person’s information and meeting requests
• Act as the day-to-day interface between the Bank and the Skilled Person
• Aid the smooth and effective execution of the Skilled Person’s role
• Facilitate regular and ad-hoc reporting to senior management on the progress and outcomes of the Skilled Person review
• Provide oversight of responses to FCA requirement notices
• Advise on s.166 activities and what to expect from the Skilled Person review
• Support SMF and S4/S5 briefings
• Facilitate, coordinate and provide guidance on file builds, information requests, walkthroughs and interviews with relevant stakeholders
• Provide SME support, knowledge and guidance to Business Units
• Act as a first point of contact between the business and the Skilled Person
• Support the senior manager as their delegate in important stakeholder meetings

Financial Crime jobs in United Kingdom