Compliance Analyst (London Area)

Job Title: Risk & Compliance Analyst/Manager

Location: Hybrid (UK-based) – London Central

Type: Full-time

Start: ASAP

Level: Mid-level (3–5 years’ experience)

Reports to: COO

About Us

We are an innovative fintech startup on a mission to revolutionise and simplify group payments. Our solutions empower users to manage group expenses effortlessly, fairly, and transparently.

Role Overview

We are looking for an experienced Risk & Compliance Analyst to join us at an exciting time as we move from MVP to Beta and then public launch. You will be instrumental in helping us build, monitor, and scale a best-in-class compliance program that ensures our users are protected and our platform is secure.

You will work closely with our product, operations, and regulatory partners to shape compliance practices from the ground up, including customer onboarding, transaction monitoring, EDD, SAR reporting, and training.

Key Responsibilities

Monitoring & Oversight

• Develop and maintain compliance monitoring programs and internal controls.
• Proactively monitor payments (card, bank, wallet) for AML, fraud, and TF risks.
• Lead periodic reviews of customer activity and transaction patterns.

Customer Due Diligence

• Oversee KYC/AML processes for onboarding and ongoing due diligence.
• Conduct risk assessments and screening (sanctions, PEP, and adverse media).
• Handle EDD reviews, including source of funds and source of wealth investigations.

Reporting & Escalations

• Manage the administration and documentation of Suspicious Activity Reports (SARs).
• Work with external vendors and partners to ensure end-to-end compliance.
• Liaise with our Banking-as-a-Service and card issuer partners for escalations and investigations.

Policy & Training

• Help draft and maintain key policies (AML, CTF, Sanctions, and Fraud).
• Deliver compliance training to the wider team and ensure ongoing awareness.
• Assist in readiness for audits and regulatory reporting as we grow.

Skills & Experience

• 3–5 years of firsthand compliance/FinCrime experience in fintech, payments, or financial services.
• Expert in UK AML/CTF laws, FCA expectations, and global regulations (JMLSG and FATF).

Practical experience in:

• KYC/EDD reviews
• Transaction monitoring
• Sanctions and adverse media screening
• Drafting internal reports or SARs
• Strong documentation and communication skills
• An initiative-taking, collaborative attitude with high integrity and diligence

What We Offer

• Competitive salary
• Opportunity to shape the future of fintech with a talented and enthusiastic team
• Flexible work environment
• Professional growth opportunities in a high-impact role