About this role
Onmo believes that everyone has the right to access, understand and manage their money with confidence. Our ambition is to improve lives by providing better clarity, intelligence and technology to empower every individual in making the smartest financial decisions. We may be young but we have an incredible team in place and big ambitions for the years ahead.
We design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives. This helps them get more from what they have, or with smart decisions, make more of the same. It also means people spend less time with the negative aspects of money and more on the positive - enjoying what the world has to offer.
ABOUT THE ROLE
Onmo is looking for a Fraud & AML Data Analyst to support the Fraud & Financial Crime function with high-quality analysis, reporting and insight. You will help identify emerging risks, analyse fraud and AML trends, support rule tuning, and provide the data needed to strengthen our fraud and FC controls.
This role is key in helping the team make informed decisions, reduce losses, and improve our overall detection capability.
Responsibilities
Produce accurate MI, dashboards and KRIs for internal stakeholders
Analyse fraud losses, TM alerts, referral trends and emerging risk patterns
Support tuning and performance monitoring of fraud and AML systems (Detect, Stripe, iOvation, etc.)
Conduct deep dives and provide clear, actionable insights to improve fraud and AML controls
Prepare data extracts and analysis for audits, CIFAS reviews and regulatory requests
Work with Product, Tech, Credit and Operations to support data-driven improvements
Maintain documentation of analysis, logic, assumptions and rule recommendations
Identify control weaknesses and assist in designing improvements using data insight
Work collaboratively with investigators and provide case-handling support during busy periods to maintain service levels.
FCA COMPLIANCE & CONSUMER DUTY
At Onmo we all take collective responsibility for our individual roles in creating the best outcomes for our customers. In this role that involves;
Identifying and raising risk events in a timely manner when spotted
Ensuring SMCR processes are followed
Keeping up to date with changes in relevant regulatory rules
Completing mandatory training within allotted deadline
Championing policy governance
Following the FCA Conduct Rules;
You must act with integrity
You must act with due skill, care and diligence
You must be open and cooperative with the FCA, PRA and other regulators
You must pay due regard to the interests of customers and treat them fairly
ABOUT YOU
Strong analytical mindset with an ability to translate data into meaningful insight
Experience working with SQL to extract and analyse data
Ability to work with multiple stakeholders and communicate findings clearly
Attention to detail and comfort working with complex datasets
Understanding of fraud signals, risk scoring, TM alerts or AML trends is desirable
Proactive, curious and comfortable working in a fast-paced environment
QUALIFICATIONS / EXPERIENCE
Proven experience using SQL (required)
Experience in fraud, AML, risk analytics or financial services preferred
Experience building dashboards
Understanding of fraud, AML or financial crime data desirable
Experience testing rules desirable
You must observe proper standards of market conduct