AML Analyst

We’re on a mission to back the UK’s small businesses like no one else. Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks. At Funding Circle, we have the restless energy of a fintech start‑up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts. We’re a high‑performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs – because we know that when we stand together, we move faster and build better. The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy.

Come and join a mission that matters!

Location: London (Hybrid) | 3 days in the office | Competitive Salary + Benefits

You’ll make a real difference for our customers and your team from day one. We believe the fastest way to grow is by doing, so we give you the ownership to run with things and see real‑time results.

• Perform CDD and KYC on a variety of client types, such as borrowers and institutional investors at various risk levels.
• Review and resolve screening alerts, including Sanctions, PEPs, and Adverse Media, to ensure the business remains compliant with regulatory requirements.
• Conduct Transaction Monitoring on all products (Cards, Flexipay, Term Loan) to protect the business against financial crime.
• Conduct EDD on high risk clients and AML investigations when suspicious activity is identified.
• Identify suspicious activity and raise internal/external SARs to the MLRO and the NCA portal, completing all necessary post‑action requirements.
• Work with various stakeholders, leading/assisting any ad‑hoc projects or initiatives within the wider operations and financial crime team.
• Monitor and support ongoing client due diligence and periodic reviews.
• Involve with financial crime compliance teams to develop new systems and improve efficiency.

What we’re looking for:

• A fast learner looking to progress your career in anti‑financial crime.
• Previous experience in a KYC or AML position (preferred).
• A solid grasp of AML typologies coupled with the analytical skills to identify red flags and make informed, reasonable decisions.
• Excellent communication skills, both oral and written, with a sharp attention to detail.
• Exceptional organizational skills and the self‑motivation to manage multiple workflows and prioritize tasks.
• A proactive approach to taking on new responsibilities and suggesting improvements to team workflows.

We’re building a place where everyone truly feels they belong. Even if your past experience doesn’t align perfectly with every requirement, we’d still love to hear from you.

Why join us?

• Flexibility: We provide a benefit allowance you can tailor to your own life and family.
• Health: This includes private medical and dental, health assessments, and access to a digital GP.
• Wealth: We offer life assurance, share schemes, and financial coaching.
• Development: You get a dedicated annual learning allowance to help you level up.
• Lifestyle: We have electric car and cycle‑to‑work schemes, plus season ticket loans.

We also have award‑winning parental leave policies. We’re here to support you through the big life moments, from fertility treatments to new additions to the family.

Ready to join a mission that matters? We’d love to chat!