Senior Transaction Monitoring & Investigations Specialist 1LoD in London

Our purpose is to give everyone real confidence to put their money to work. With a heritage dating back more than 175 years, we have a long history of innovation in savings and investments, combining asset management and insurance expertise to offer a wide range of solutions. Our two distinct operating segments, Asset Management and Life, work together to provide access to balanced, long‑term investment and savings solutions. Through telling it like it is, owning it now, and moving it forward together with care and integrity; we are creating an exceptional place to work for exceptional talent. We will consider flexible working arrangements for any of our roles and also offer workplace accommodations to ensure you have what you need to effectively deliver in your role.

Role Purpose

To provide expert first‑line oversight of transaction monitoring and fraud risk across the business, delivering high‑quality investigation outcomes and supporting the ongoing enhancement of AML and fraud controls. The role plays a key part in shaping typologies, applying risk‑based judgement, and supporting the effectiveness of the wider 1LoD financial crime framework.

Key Responsibilities

• Lead and support the development, refinement, and ongoing optimisation of AML and fraud transaction monitoring typologies and threat‑based scenarios, leveraging internal data and intelligence from the 2LoD Investigations team.
• Conduct transaction monitoring, identifying, investigating, and escalating potential suspicious activity to the 2LoD Investigations team, in line with risk appetite and regulatory expectations.
• Perform and oversee complex Level 1 transaction monitoring alert reviews, ensuring consistent, well‑reasoned disposition and documentation.
• Apply strong risk‑based judgement to investigation outcomes, escalating suspicious activity to the 2LoD Investigations team.
• Act as a subject‑matter expert, providing guidance and challenge to colleagues on transaction monitoring, fraud risk indicators, and investigative best practice.
• Support the implementation and embedding of robust TM and Fraud typologies and controls across relevant business areas, contributing to continuous improvement of the control environment.
• Maintain up‑to‑date knowledge of regulatory developments, emerging financial crime risks, and industry best practice, proactively sharing insights to upskill the wider team.
• Work collaboratively across teams to support effective controls, improved customer outcomes, and a measurable reduction in operational and financial crime risk.

Skills & Experience Required

• Demonstrable experience in 1LoD financial crime investigations with a strong focus on AML and fraud transaction monitoring (preferably within Asset Management).
• Experience working within operational financial crime teams, with exposure to escalation, exception handling, and regulatory driven deadlines.
• Strong understanding of AML, CTF, sanctions, and KYC regulations and how they translate into practical monitoring and investigative controls.
• Excellent written and verbal communication skills, with the ability to articulate complex analysis, findings, and recommendations to stakeholders at varying levels of seniority.
• Strong organisational and prioritisation skills, with the ability to manage competing demands and pressured timelines effectively.
• Proven ability to work independently while collaborating effectively within a team, taking personal accountability for the controls and outcomes within remit.
• A pragmatic, solutions‑focused mindset that maintains regulatory and professional standards.
• Ability to operate effectively in a hybrid, diverse, and multi‑cultural working environment.

Benefits

As a savings and investments firm we are proud to offer a valuable pension scheme of 18%, with 13% made up of employer contributions and 5% employee contributions. We also offer Share Save and our Share Incentive Plan, together with access to financial wellbeing and support services. Enjoy 38 days annual leave including.