Fraud & AML Investigator

About Us:

One third of the UK working age population are unable to access affordable credit. We at Amplifi want to rectify this issue. We aim to improve the nation’s financial health, using our state-of-the-art FinTech ecosystem, allowing ethical lending via credit unions accessible to everyone in the UK.

Amplifi Capital are one of the top 5 lenders in the near prime unsecured personal loans market in the UK. Through our innovative work we have grown our new customer volumes by 5 folds in just the last two years alone. Aiming to increase that number even further as we progress.

We are the biggest name in the UK credit union market with the two largest Credit Unions in the UK on the Amplifi platform. We at Amplifi Capital want to go beyond that, aiming to be the biggest player in the UK personal loan market for the near prime segment. Standing out against our competitors, being at the forefront of personal loans market.

People always come first at Amplifi Capital. From how we engage with our customers to the thorough recruitment process. Our journey is just getting started, the business has attracted amazing talent so far, and we don’t plan on stopping yet!

The Role:

An exciting opportunity has arisen for an experienced Fraud Investigator with a consumer finance background based in our Leeds operational center.

As an Investigator at Amplifi Capital, you will be part of a team responsible for detecting and preventing money laundering and terrorist financing. In this role you will use monitoring tools to identify and investigate suspicious activity. An understanding of investigative practices and money laundering typologies is essential for this role and successful candidates will enjoy working on a diverse range of investigations within a fast paced environment.

Responsibilities:

• Discounting and investigating potential Sanctions and Politically Exposed People (PEP) matches.
• Completing Enhanced Due Diligence (EDD) checks on high-risk customers.
• Completing investigations in response to a variety of trigger events throughout the application process
• Provide expertise and support to KYC and onboarding processes, using platforms such as CIFAS.
• Liaising with other banks and the relevant authorities as necessary through several channels, including email, phone and CIFAS.
• Communicating directly with customers as part of ongoing fraud investigations through email or via telephony with potential victims of fraud to establish circumstances and gain additional information, before providing a fair and logical decision, with supporting rationale.
• To offer support and guidance to our underwriters regarding fraud-related queries.
• Investigating alerts raised by our transaction monitoring system, analysing customer accounts to identify risk or suspicious activity, and recording your decisions.
• Reviewing and acting on escalations from our customer service team.
• Writing and submitting high-quality suspicious activity reports (SARs) to the National Crime Agency (NCA)
• Processing account closures
• handling inbound and outbound calls with customers.
• Liaising with our Credit card advisors, if there are any unrecognized transactions on the customer’s account that are settled or pending.

This is a high impact role in a fast-growing business and hence the ideal candidate would be:

• You have a keen interest in stopping Fraud and Financial Crime.
• The ability to investigate, question and scrutinise information.
• A high level of numeracy and analytical skills
• A professional manner with an inquisitive nature.
• High attention to detail with document examination & investigation and always remain confidential.
• You\’re a self-starter with the ability to work within given SLAs and deadlines.
• A key team player to work as part of a dynamic and growing team.

To be successful in the role, the candidate should:

• You have experience working in fraud detection with a consumer finance background.
• Knowledge of identity fraud and document fraud typologies, such as Impersonation, False Identity and False Docs.
• Experience inspecting and verifying I.D and proof of address documentation.
• Undertake the end-to-end investigation process of the fraudulent loan, credit card, and savings-approved applications.
• Experience of working with loan and credit card products is desirable.

• Experience of working with fraud prevention, reporting & detection systems such as, SAS EFM, Feedzai, Featurespace, Falcon, Actimize, BioCatch, Threatmetrix and CIFAS.

• Excellent communication skills, both written and orally.

• Competitive salary
• 25 days annual leave
• Pension
• Discount shopping
• Private health insurance
• Sociable company
• Hybrid working (2 days from home)

Commitment:

We are committed to equality of opportunity for all staff and applications from individuals are encouraged regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief and marriage and civil partnership.

Please note that all offers of employment are conditional on us obtaining satisfactory pre-employment checks, including a DBS check, a credit check and employment references.

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