About this role
Overview of the role The Financial Crime Investigations Specialist is a key role within our organisation, dedicated to investigating and mitigating activities related to financial crime and fraud. This position requires a detailed-oriented individual with strong investigative skills and a deep understanding of AML (Anti-Money Laundering) practices. The ideal candidate will work closely with various Compliance departments, including the Transaction Monitoring (TM) Team and the Client Risk Oversight Team (CRO), to ensure a robust defence against financial crime and fraud, and the wider business, providing insight and analytics to support fraud prevention and operational efficiency. Financial Crime Investigations Conduct complex financial crime investigations arising from transaction monitoring alerts, internal referrals, external intelligence, banking partner queries and law enforcement requests. Analyse transactional activity, customer information, payment flows, corporate structures and open-source intelligence to identify potential money laundering, fraud, terrorist financing, sanctions evasion, bribery and corruption risks. Identify patterns, typologies and connections across customers, counterparties, accounts and payment flows to support financial crime intelligence development. Reporting & Case Management Produce clear, evidence-based investigation reports outlining findings, key risk indicators and recommendations. Ensure all investigations are fully documented and maintained to an audit-ready, regulator-defensible standard. Assess whether investigations meet the threshold for suspicion in line with POCA, the Money Laundering Regulations 2017, FCA expectations and internal policies. Draft Suspicious Activity Reports (SARs), Defence Against Money Laundering (DAML) requests and supporting case files for review and submission by the DMLRO and MLRO. Stakeholder Management & Escalation Present investigation findings and recommendations to the DMLRO, MLRO and senior stakeholders where escalation is required. Act as a key escalation point for complex financial crime matters, providing guidance and effective challenge to Transaction Monitoring, Client Risk Oversight and wider business teams. Support regulatory enquiries, Requests for Information (RFIs), banking partner requests and law enforcement investigations. Continuous Improvement Contribute to the ongoing enhancement of financial crime investigation methodologies, intelligence capabilities and control effectiveness to strengthen the firm's financial crime framework. Success Measures Delivering high-quality financial crime investigations within agreed service levels, with accurate, audit-ready case documentation and minimal remediation required. Identifying, assessing and escalating financial crime risks appropriately, supported by clear evidence, high-quality investigation reports and robust SAR submissions. Maintaining strong compliance with regulatory requirements, internal policies and quality assurance standards, resulting in positive audit and QA outcomes. Producing actionable financial crime intelligence that identifies emerging risks, typologies and opportunities to strengthen the firm's control environment. Building trusted relationships with internal and external stakeholders through timely responses, effective guidance and valuable support for regulatory, audit and banking partner requests.