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- Tasks: Join our KYC team to combat financial crime and ensure seamless customer onboarding.
- Company: Zilch, a fast-growing payment tech company with a mission to empower customers.
- Benefits: Enjoy competitive pay, health perks, remote work options, and professional development opportunities.
- Why this job: Make a real impact in the fintech world while growing your career in a dynamic environment.
- Qualifications: 3+ years in KYC or AML operations, strong analytical skills, and attention to detail.
- Other info: Collaborative culture with exciting projects and excellent career growth potential.
The predicted salary is between 36000 - 60000 ÂŁ per year.
Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, weâve achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and weâve got big growth plans.
The Senior KYC Analyst is an operationally critical role within the KYC team, responsible for executing and maintaining Zilch's core onboarding KYC, AML and CTF controls, overseeing enhanced due diligence, managing complex onboarding investigations, and mitigating financial crime risks across the customer lifecycle.
As a senior member of the team, you will act as a key escalation point for our outsourced onboarding operations (BPO), internal stakeholders including Compliance, Training, QA, Complaints, Customer Support, Fraud, Process improvement, Risk, Engineering. You will ensure robust KYC standards are maintained while balancing regulatory compliance with a seamless customer experience.
This role requires strong analytical capability, sound judgement, and the confidence to challenge the status quo and propose better ways of working. You will be instrumental in reviewing high-risk customers (PEPs and Sanctions matches), completing SARs where required, identifying process gaps, and driving continuous improvement across onboarding and verification processes.
Dayâtoâday Responsibilities
- Customer Due Diligence & Risk Assessment
- Review and assess complex KYC cases escalated by the BPO and internal teams.
- Review and assess KYC cases and communicate directly with customers when additional documentation or clarification is required.
- Analyse customer accounts, transactional behaviour, and submitted documentation to identify potential financial crime risks.
- Conduct detailed reviews of PEP, Sanctions.
- Perform enhanced due diligence (EDD) on high-risk customers.
- Make clear, wellâdocumented riskâbased decisions in line with regulatory requirements.
- Prepare and submit Suspicious Activity Reports (SARs) where appropriate.
- Oversee the BPO's KYC activities, ensuring adherence to serviceâlevel agreements (SLAs) and KYC KPIs.
- Collaborate with the BPO to resolve escalated issues and provide guidance for handling intricate cases.
- Review and provide feedback on BPO case performance, escalating any concerns to the KYC Manager.
- Support internal stakeholders (QA, Complaints, CS, Fraud, Operations) with KYCârelated queries and risk decisions.
- Escalate verification or technical issues to Onfido and liaise to ensure timely resolution.
- Partner with Engineering to elevate account issues, system gaps, and workflow improvements.
- Drive the creation of new KYC and EDD processes in response to emerging risks or regulatory changes.
- Review and update existing onboarding and verification procedures to improve efficiency and control effectiveness.
- Identify trends, root causes, and operational weaknesses within onboarding flows.
- Provide structured feedback to BPO partners to improve quality and decision accuracy.
- Support internal audits and regulatory reviews by ensuring accurate case documentation and audit trails.
- Provide clear analysis and insights from account investigations to support wider financial crime strategy.
- Identify emerging risk trends across onboarding, verification failures.
- Translate case insights into actionable recommendations to reduce financial crime exposure and operational friction.
- Track and monitor key KYC metrics, quality indicators, and escalation trends.
- Contribute to management reporting on highârisk cases, SAR submissions, and onboarding risks.
- Prepare weekly and monthly reports on KYC performance, including key metrics.
What Weâre Looking For
- 3+ yearsâ experience in onboarding KYC, AML or Financial Crime operations within financial services or fintech.
- Strong knowledge of AML, CTF, sanctions and PEP regulatory frameworks.
- Experience handling Enhanced Due Diligence and highârisk customer reviews.
- Experience working with identity verification tools (eg. Onfido, Experian, GBG) and case management systems.
- Strong analytical skills with the ability to identify fraud patterns and process gaps.
- Advanced Microsoft Office skills; experience with BI tools (e.g. Looker) advantageous.
- Experience managing escalations and collaborating crossâfunctionally with internal and external teams.
- High attention to detail with strong documentation and auditâreadiness standards.
- Ability to operate independently with sound judgement and accountability.
- ICA, CAMS or equivalent financial crime certification preferred.
About You
- Curious and investigative â you naturally dig deeper and ask "why".
- Comfortable challenging the status quo and proposing better ways of working.
- Selfâsufficient and confident working unaided on complex cases.
- Detailâoriented with strong documentation discipline.
- Collaborative and pragmatic, able to balance compliance with customer experience.
- Calm under pressure when handling highârisk or sensitive investigations and conversations.
Benefits
- Compensation & Savings
- Pension scheme.
- Death in Service scheme.
- Income Protection.
- Permanent employees enjoy access to our Share Options Scheme.
- 5% back on inâapp purchases.
- ÂŁ200 for WFH Setup.
- Private Medical Insurance including; GP consultations (video, telephone or faceâtoâface).
- Prescribed medication.
- Inâpatient, dayâpatient and outâpatient care.
- Mental health support.
- Optical, dental & audiological cover.
- Physiotherapy.
- Advanced cancer cover.
- Menopause support.
- Employee Assistance Programme including: Unlimited mental health sessions, 24/7 remote GP & physiotherapy, 24/7 helpline for emotional & practical support.
- Savings & discounts on everyday shopping.
- 1:1 personalised wellâbeing consultations.
- Gym membership discounts.
- Enhanced maternity pay.
- Enhanced paternity pay.
- Enhanced adoption pay.
- Enhanced shared parental leave.
- Professional Qualifications.
- Professional Memberships.
- Learning Suite for eâcourses.
- Internal Training Programmes.
- FCA & Regulatory training.
- Hybrid Working.
- Casual dress code.
- Workplace socials.
- Healthy snacks.
Senior KYC Analyst in London employer: Zilch
Contact Detail:
Zilch Recruiting Team
StudySmarter Expert Advice đ¤Ť
We think this is how you could land Senior KYC Analyst in London
â¨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already at Zilch. A friendly chat can open doors and give you insider info on what they're really looking for.
â¨Tip Number 2
Prepare for the interview by diving deep into KYC, AML, and financial crime trends. Show us you know your stuff and can bring fresh ideas to the table. We love candidates who can challenge the status quo!
â¨Tip Number 3
Practice your STAR technique for answering behavioural questions. We want to hear about your past experiences and how theyâve shaped your skills. Be ready to share specific examples of your analytical prowess!
â¨Tip Number 4
Donât forget to apply through our website! Itâs the best way to ensure your application gets seen. Plus, it shows us youâre genuinely interested in being part of the Zilch family.
We think you need these skills to ace Senior KYC Analyst in London
Some tips for your application đŤĄ
Tailor Your CV: Make sure your CV is tailored to the Senior KYC Analyst role. Highlight your experience in KYC, AML, and financial crime operations, and donât forget to mention any relevant tools you've used like Onfido or Experian.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why youâre passionate about KYC and how your skills align with Zilch's mission. Be sure to mention your analytical skills and ability to challenge the status quo.
Showcase Your Achievements: When detailing your experience, focus on specific achievements. Did you improve a process? Reduce risks? Quantify your successes to show how you can add value to the team at Zilch.
Apply Through Our Website: We encourage you to apply through our website for the best chance of being noticed. Itâs the easiest way for us to keep track of your application and get back to you quickly!
How to prepare for a job interview at Zilch
â¨Know Your KYC Inside Out
Make sure you brush up on your knowledge of KYC, AML, and CTF regulations. Be prepared to discuss specific cases you've handled, especially those involving high-risk customers or enhanced due diligence. This will show that you not only understand the theory but also have practical experience.
â¨Show Off Your Analytical Skills
During the interview, be ready to demonstrate your analytical capabilities. You might be asked to analyse a hypothetical customer case or identify potential risks. Practise explaining your thought process clearly and logically, as this will highlight your ability to make sound, risk-based decisions.
â¨Prepare for Cross-Functional Collaboration Questions
Since the role involves working with various teams, think of examples where you've successfully collaborated with others. Be ready to discuss how you resolved conflicts or provided guidance in complex situations. This will showcase your teamwork skills and your ability to balance compliance with customer experience.
â¨Stay Calm Under Pressure
Given the nature of the role, you may face questions about handling high-pressure situations or sensitive investigations. Prepare some examples where you maintained composure and made effective decisions under stress. This will demonstrate your resilience and ability to manage challenging scenarios.