Financial Crime Investigator

What We’re All About at Kroo

Kroo has a big vision. To be the first bank that is both trusted and loved by its customers. We’re helping people take control of their financial future and achieve their goals, whilst making a positive impact on the planet. Here at Kroo, doing what is right is in our DNA. We act with integrity, transparency and honesty. We think big, dream big, and relentlessly pursue our goals. We like to be bold, break new ground, and we never stop learning. But most importantly, we are on this journey together.

How you will contribute

We’re searching for a resourceful and enthusiastic Senior Financial Crime Investigator, who will amongst other things, support the day-to-day operations of the First Line Financial Crime Operations function. A Financial Crime Investigator plays a crucial role in enhancing our efforts to prevent financial crime. The primary objective is to identify, investigate and reduce exposure to financial crime risks such as money laundering, terrorist financing and fraud along with other typologies. This position requires a strong focus on detail, exceptional analytical abilities with a comprehensive knowledge of financial crime regulatory compliance.

Key responsibilities also include:

• AML/CTF and Fraud Management: Manage and execute Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and fraud investigations from initiation to conclusion. This includes the preparation and submission of Suspicious Activity Reports (SARs) to relevant authorities.
• Alert Investigation: Independently conduct high-quality investigations to identify and assess suspicious activity. This includes investigating Sanctions, Politically Exposed Persons (PEP), Transaction Monitoring and Adverse Media alerts.
• Ability to apply regulatory awareness with competence: Demonstrate sound judgment and decision-making within the bank's established risk appetite and parameters. Seek guidance for complex scenarios and actively contribute to broader risk discussions.
• Trend Analysis: Proactively analyse data to identify emerging trends in financial crime, utilising findings to enhance detection and prevention strategies.
• Process Improvement: Support the continuous optimisation of financial crime prevention processes, systems, and procedures, ensuring they remain effective and compliant with regulatory standards.
• Customer Service Support: Handle escalations from the Customer Service team, providing expert advice on actions required to mitigate risks and resolve issues.

About Our Process

We can be flexible with the structure of our interview process if someone’s circumstances or timescales require it but our general structure is:

• First Stage: Technical interview with the Hiring Manager - 45 mins
• Final Stage: Interview with the Senior Financial Crime Manager and Senior Investigator - 45 mins

What we offer

At our cutting-edge fintech company, we know that attracting and retaining the best talent means offering top-notch benefits that help our employees thrive both in and outside of work. Check out what we currently offer:

• Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday.
• Personal days: We know that life can be unpredictable, so we offer 3 personal days to use as needed.
• Employer-sponsored volunteer program: We’re passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time.
• Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
• Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top-up.
• Learning and development: After 1 year of service, you’ll have access to £500 from the Kroo Learning Fund to invest in your career development.
• Top-notch equipment: We provide top-of-the-line equipment necessary for smooth hybrid work, including a MacBook laptop. Additionally, we also offer support in establishing your home office by contributing towards your setup if required.
• Modern office: When you’re in the office, you’ll enjoy access to our modern, bustling workspace in Holborn, Central London, which includes a full gym.
• Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme.
• Electric Car scheme: We’re committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same.
• Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families.
• Room for growth: As a fast-paced, high-growth start-up, we’re dedicated to providing our employees with room to grow and excel. You get full healthcare for you and your nuclear family via Vitality.

Hybrid Working

At Kroo Bank, we operate a hybrid working model that offers individuals and teams a high level of flexibility while supporting productivity. Our London office is a valuable space designed for collaboration and can be used when it adds the most benefit. Employees are expected to attend the office one to two days per week, so this role is best suited to candidates who can commute to London when required. This position is based on a 37.5 hour working week across five days. Standard working hours are typically 9.00am to 5.30pm; however, there is a rota that includes earlier shifts of 7.00am to 3.30pm. The role also involves occasional weekend working on a rota basis, usually once per month, with weekend shifts running from 8.00am to 4.30pm. A day off in lieu is provided for any weekend worked.

Diversity and Inclusion

We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.