AML Officer

The main responsibility of the role will be to provide guidance and support to the business in all aspects of our anti‑money laundering controls, processes and training. The role offers opportunities to assist in compliance‑related project work, including research.

The ideal candidate will have strong hands‑on AML and KYC experience in financial services, with a proven track record of reviewing and enhancing anti‑money laundering controls. Experience with the MLR 2017, JMLSG, FATF, POCA 2002, and FCA AML regulation is required.

This role is both strategic and hands‑on. The successful candidate must be able to progress AML related projects such as the review of the firm‑wide risk assessment, customer risk rating, process enhancement and staff training. They will act on their own initiative and serve as the main point of reference in live cases where AML risks have been identified, discussing and resolving these in accordance with business risk appetite and providing necessary reports. They will liaise frequently with the Sales Team, Underwriting Managers and the in‑house Servicing team.

Working closely with the Senior Compliance Manager and the MLRO, you will take the lead in progressing work on the recommendations from the MLRO Annual Report and in compiling the next report due in March 2026. Provision of meaningful management information on a regular basis is an important part of the role.

Regulation is constantly evolving; you will monitor developments, assess needs and recommend and implement enhancements to maintain our alignment.

Summary of Duties / Responsibilities

• Review and assess all aspects of our AML control framework, recommend change and provide strategic direction on all AML related matters.
• Carry out projects and actions highlighted by the MLRO Annual Report and work towards the production of the 2026 Report.
• Advise on the level of CDD and EDD for live mortgage application cases.
• Take ownership of policies, review processes and monitor their implementation.
• Design and provide training and awareness programmes across the business.
• Review and enhance the firm‑wide AML/financial crime risk assessment.
• Advance our ability to risk‑rate our customer book.
• Provide regular management information on AML and financial crime.
• Horizon scan regulatory and legislative changes in AML/CDD/PEPs and sanctions, providing comment and advice to the business.
• Support the business by undertaking ad hoc projects and research, including compliance monitoring where possible.

Qualifications & Skills

• Excellent understanding of AML regulation, guidance and practical application.
• Ability to work on own initiative while aligning with business needs and priorities.
• Strong project management skills and ability to coordinate action plans with multiple stakeholders.
• Attention to detail, accuracy and ability to handle sensitive confidential information with discretion.
• Proficient in Microsoft Word, Excel and PowerPoint.
• Excellent interpersonal, organisational and written communication skills.
• Team player, supportive of others, proactive.
• Self‑educating, curious, pragmatic, solution‑oriented mindset.
• M Mortgage knowledge is an advantage but not required.

Benefits

• Life insurance and private medical expenses insurance (staff member only).
• 50% contribution towards the cost of a gym membership at a local gym of your choice.
• Four days in the office per week (Mondays and Fridays) with one day working from home.
• 25 days paid holiday per year, increasing by one day every three years of continuous employment.
• 8.30am to 5.30pm working hours.

About Keystone Property Finance

Keystone Property Finance has been an independent Buy‑to‑Let lender since 2018, with over 25 years of experience in the UK mortgage market.

Keystone Values

• Respect
• Integrity
• Resilience
• Excellence

Our values define who we are and guide how we work together to benefit our customers and business.