Screening and Escalations Senior Payment Analyst

Trust unlocks our greatest potential. For decades, the clearing of payments remained unchanged and unchallenged. We asked, what if there was a better way? What if we could make banking infrastructure faster, safer, more reliable, and easier to access for all? Here is where you can think radically and responsibly to find the best solution.

What happens when you know you’re inherently trusted? Trust creates safety. Safety encourages you to be brave, to challenge, to fail, to try new things and to execute. At ClearBank everything revolves around trust. We’re not expected to earn it, but we are expected not to break it. We’re trusted to own it. To solve issues in the moment. To know a good risk when we see one, and the judgement to know that ‘can’ doesn’t always mean you ‘should’.

ClearBank is a place where you can do things differently and challenge the status quo. We will give you a high level of autonomy and transparency, and we trust you to make the right decisions for the bank.

Your role includes:

• Analysing and investigating system-generated alerts related to payment screening.
• Analysing transactions to identify suspicious activities and potential money laundering risks.
• Assessing internal and external intelligence to identify financial crime risk and escalate as appropriate.
• Ensuring all investigations and processes comply with relevant AML laws and regulations.
• Acting as a first point of escalation for Payment Screening Analysts.
• Managing escalations and senior management conversations in both first and second lines of defence.
• Allocating tasks, assisting in oversight and prioritisation to ensure any deadlines are met.
• Staying up to date on the latest AML trends, emerging typologies and best practices to enhance the effectiveness of our screening systems.
• Maintaining detailed records of investigations and ensuring timely resolution of cases.

To excel in this role, you’ll also need:

• Solid and demonstrated experience in AML, financial crime investigations, or a related field.
• Strong knowledge across all forms of sanctions typologies e.g. Trade Sanctions, dual use goods, Personal and Professional enablers, payments involving complex structures.
• Good knowledge of sectors such as money remittance, electronic money, and cryptocurrency firms would be beneficial.
• Strong analytical and problem-solving skills with the ability to interpret complex data.
• High level of accuracy and attention to detail in all tasks.
• Excellent written and verbal communication skills, with the ability to communicate and negotiate with key/senior stakeholders.
• Familiarity with screening and monitoring software/tools, and proficiency in Microsoft Office Suite.
• Strong knowledge of money laundering typologies and experience in dealing with sanctions, complex business models, PEPs, red flags and suspicious activity investigation, bribery and corruption cases involving restricted jurisdictions.
• In-depth knowledge of AML regulations and guidelines.
• Strong ethical standards and integrity in handling sensitive information.
• Ability to work effectively both independently and as part of a team.
• A recognised AML / Sanctions / Fraud qualification is desirable but not essential.

What makes a great ClearBank team member? Does this sound like you?

• You focus on solutions and positive outcomes, thinking radically and responsibly to find the best result for our customers, your colleagues and the bank.
• You actively seek feedback from others to drive your growth and development, always assuming positive intent from others and develop strong, trusting relationships with your colleagues and customers.
• You always strive for the highest quality, but you know that done is better than perfect; you welcome a challenge knowing that they learn as you go and iterate.
• ‘I’ before ’we’, isn’t in your vocabulary.

If this sounds like you then we encourage you to dust off that CV and apply!

What we offer in return:

• We're flexible – We support a culture of flexibility which allows our employees to achieve a strong work-life balance.
• Offices – Work in a way that works for you – whether that’s in the London office, at home, or hybrid.
• Holiday – 27 days of annual leave per year, plus bank holidays.
• Holiday buy/sell - Buy or sell up to five days of annual leave each year and shape your year around what matters most.
• Work abroad – You have the flexibility to work outside of the UK for up to 30 days in a rolling 12-month period.
• Socials – Regular social events open to all.
• Holiday swap – Option to swap your bank holidays to any other day of your choice.
• Wellbeing – 24/7 employee assistance programme including mental health support, life assurance and income protection.
• Bigger than ClearBank – Take a couple of days per year to do something that matters to you.
• Healthy living – Private healthcare and discounted dental cover, with employee perks and discounts.
• Family – Enhanced family-friendly leave.
• Personal development – We offer personal development budgets, opportunities to take part in role-related training and unlimited LinkedIn Learning.

And not forgetting the biggest benefit of all. The opportunity to be part of an incredible team that’s building a tech-bank fit for the future.

ClearBank is committed to ensuring equal opportunities throughout every stage of the recruitment process. ClearBank recognises that diversity is vital to the long-term success of the business in the communities and markets in which it operates. ClearBank strives for diversity and inclusion of all forms, including (but not limited to): gender, age, educational and professional background, disability, gender reassignment, marital or civil partner status, pregnancy or maternity, race, colour, nationality, ethnic or national origin, religion or belief and sexual orientation.