At a Glance
- Tasks: Manage financial crime detection and investigation, ensuring compliance and effective controls.
- Company: Join Incard, a forward-thinking company revolutionising financial systems for entrepreneurs.
- Benefits: Enjoy competitive pay, stock options, generous leave, and global health insurance.
- Other info: Be part of a team that values innovation and offers excellent career growth opportunities.
- Why this job: Make a real difference in financial security while growing your career in a dynamic environment.
- Qualifications: Experience in financial crime roles and strong analytical skills are essential.
The predicted salary is between 49500 - 60500 £ per year.
About Incard
Incard’s mission is to build the financial operating system for entrepreneurs. We are focused on creating a system where business banking, financial tools, and application logic are coordinated into a single control layer. Through the app store, entrepreneurs and developers can build industry-specific functionality as their business evolves.
Role Purpose
The Financial Crime Specialist is responsible for the day-to-day operation of Incard's financial crime detection and investigation capability. This is a hands-on, individual-contributor role covering transaction monitoring, alert investigation, SAR/DAML reporting, EDD, and typology development, working closely with the MLRO to ensure Incard's financial crime controls remain effective as the product suite and customer base evolve.
Key Responsibilities
- Own the management of the transaction monitoring software tool, including alert configuration input, data quality issues, and case management.
- Develop and maintain financial crime typologies on a continuous basis as the product suite evolves, feeding rule and scenario changes into the transaction monitoring system.
- Work alerts through investigation, disposition, and escalation; propose threshold and rule tuning based on false positive trends.
- Produce financial crime management information (MI) for the MLRO, and for the Risk and Compliance Committee (RCC) and Board as needed.
- Investigate and escalate matters to the MLRO, and support Suspicious Activity Report (SAR) and Defence Against Money Laundering (DAML) reporting to the National Crime Agency (NCA), including tracking of reporting timeliness.
- Act as the escalation point for onboarding cases requiring financial crime input, including adverse media, PEP, complex ownership structures, and sanctions nexus.
- Review and conduct Enhanced Due Diligence (EDD) cases; own EDD trigger criteria and refresh scheduling.
- Own and maintain financial crime procedural manuals.
- Maintain financial crime records, including SAR/DAML files, EDD files, and alert dispositions, in line with retention requirements.
- Support ad hoc projects as required.
Key Skills & Experience
- Demonstrable experience in a financial crime / AML operational role within a bank, EMI, payments firm, or other FCA-regulated financial services business.
- Hands-on experience operating a transaction monitoring system, including alert investigation, tuning, and case management (e.g. Unit21 or equivalent).
- Working knowledge of UK financial crime and AML regulation, including the Money Laundering Regulations 2017 and JMLSG guidance.
- Practical experience preparing and submitting SARs/DAMLs to the NCA.
- Experience conducting EDD, including adverse media, PEP, complex structures, and sanctions-related reviews.
- Strong analytical skills, with the ability to identify typologies and trends from alert and case data.
- Clear, concise written communication skills for MI reporting to senior stakeholders and committees.
- Relevant professional qualification (e.g. ICA, ACAMS) is desirable but not essential.
Benefits:
- Competitive cash-based compensation
- Incard stock options
- 25 days of paid time off per year, plus bank holidays and your birthday off
- Global health insurance and unlimited paid sick leave
Financial Crime Specialist employer: Incard
Incard is an exceptional employer that prioritises the growth and well-being of its employees, offering a dynamic work culture where innovation thrives. As a Financial Crime Specialist, you will benefit from competitive compensation, stock options, and generous paid time off, all while contributing to a mission-driven company that supports entrepreneurs. With opportunities for professional development and a commitment to maintaining effective financial crime controls, Incard provides a rewarding environment for those looking to make a meaningful impact in the financial services sector.
