AML, Sanctions and PEP Investigator

About this role

We’re looking for an AML, Sanctions and PEP Investigator to help manage a portfolio of work, enabling the completion of all AML workstreams to ensure that the business meets its AML compliance requirements. The role includes the investigation of complex cases, potential sanctions matches as well as completing PEP reviews as required in order to ensure that the business meets its compliance requirements. There is also the opportunity to support the testing and delivery of projects and initiatives required by the AML Function.

What you’ll do

• AML Investigator Responsibilities:

• Investigation of transaction monitoring reports and suspicious activity.
• Use available tools to fully investigate all suspicious activity to determine if a referral to the NCA is required within regulatory and internal timeframes.
• Completion of complex and high risk priority AML workstreams, including, but not limited to CBR, Terrorism, Helpfile alerts and high risk Police cases.
• Ongoing monitoring and investigation of existing AML cases and making grounded recommendations on the treatment of accounts based on investigation details.
• Completion of all actions resulting from investigations in an accurate and timely manner and aligning with process requirements.
• Making clear and comprehensive referrals to the National Crime Agency (NCA) of any money laundering or terrorism suspicions.
• Identification of any potential vulnerable customer indicators and ensure these are reported to the Vulnerability team for further investigation.
• Demonstrate sound judgement skills whilst meeting compliance requirements by adhering to policy and procedure, thereby minimising compliance breaches and errors.
• Be a well-respected SME for AML related queries and processes.
• Proactively identify process improvements to drive improvements to enhance the efficiency and quality of work.
• Prompt identification and resolution/escalation of issues as appropriate that impact the AML Function, providing recommendations and/or a solution where possible.
• Help to maintain accurate and up to date process documentation for all AML workstreams.
• Support the testing and delivery of projects and initiatives impacting the AML Function.
• Actively support the team environment; be a positive influence and take responsibility for the morale of the team around you.
• Engage in departmental activities, offsite and team building events.
• Further opportunities to expand duties can include supporting the testing and delivery of new transaction monitoring scripts, projects and initiatives impacting the AML Function.

• Investigate potential matches from alerted applications or accounts to determine whether there is a match to a named individual on the HMT Sanctions List - to include UK Hotlist alerts.
• Determine the appropriate action to be taken on potential sanctions matches based on investigation details and using sound judgement skills.
• Completion of all required actions for potential or actual sanctions matches.
• Support US LSO in their investigations by providing appropriate information in a timely manner in sanctions and/or hot list enquiries.

• Review of accounts belonging to Politically Exposed Persons (PEPs).
• Use available tools to identify whether there is any activity of concern, and if this is the case, refer to the MLRO.
• Completion of all required actions for PEP matches.

What we’re looking for

• ICA AML, Financial Crime Awareness or Compliance Certificates desirable.
• Previous experience in AML or Financial Crime Prevention, preferably in the investigations environment.
• Knowledge and understanding of AML and Sanctions regulations.
• Technical skills in working with case management systems, investigative tools, and screening platforms.
• An analytical nature, focus and high attention to detail are essential.
• Ability to demonstrate the highest level of integrity and discretion.
• Strong written and verbal communication skills.
• Ability to work autonomously, and as part of a wider team.
• Ability to quickly adapt to changes in workstream priorities, ensuring SLAs are met.

Where and how you’ll work

This is a permanent position based in our Nottingham office. We have a hybrid working model which gives you flexibility to work from our offices and from home. We’re big on collaboration and connection, so you’ll be based in our Nottingham office 3 days a week on Tuesdays, Wednesdays and Thursdays. Many of our associates have flexible working arrangements, and we’re open to talking about an arrangement that works for you.

What’s in it for you

Bring us all this - and you’ll be well rewarded with a role contributing to the roadmap of an organisation committed to transformation. We offer high performers strong and diverse career progression, investing heavily in developing great people through our Capital One University training programmes (and appropriate external providers). Immediate access to our core benefits including pension scheme, bonus, generous holiday entitlement and private medical insurance – with flexible benefits available including season-ticket loans, cycle to work scheme and enhanced parental leave. Open-plan workspaces and accessible facilities designed to inspire and support you. Our Nottingham head-office has a fully-serviced gym, subsidised restaurant, mindfulness and music rooms.

What you should know about how we recruit

We pride ourselves on hiring the best people, not the same people. Building diverse and inclusive teams is the right thing to do and the smart thing to do. We want to work with top talent: whoever you are, whatever you look like, wherever you come from. We know it’s about what you do, not just what you say. That’s why we make our recruitment process fair and accessible. And we offer benefits that attract people at all ages and stages. We also partner with organisations including the Women in Finance and Race At Work Charters, Stonewall and upReach to find people from every walk of life and help them thrive with us. We have a whole host of internal networks and support groups you could be involved in, to name a few: REACH – Race Equality and Culture Heritage group focuses on representation, retention and engagement for associates from minority ethnic groups and allies; OutFront – to provide LGBTQ+ support for all associates; Mind Your Mind – signposting support and promoting positive mental wellbeing for all; Women in Tech – promoting an inclusive environment in tech; EmpowHER - network of female associates and allies focusing on developing future leaders, particularly for female talent in our industry.