AML Analyst

Job description

AML – Role Description Keystone Property Finance has been an independent Buy-to-Let Lender in their own right since 2018 with a strong brand identity and over 25 years’ experience in the UK mortgage market. We are looking for a highly motivated individual with exceptional analytical and communication skills to join our Risk & Compliance team as an AML Analyst. The main responsibility of the role would be to provide guidance and support to the business in all aspects of our anti-money laundering controls, processes and training. The role will also take the lead on AML and Financial Crime based projects. The individual will ideally have strong hands-on AML and KYC experience, not necessarily in mortgage finance, but they would have spent time working for a financial services company. They would be the main point of reference in live cases where AML risks have been identified. They would also be able to progress AML related projects such as customer risk rating, process enhancement and AML related staff training and awareness. Working closely with the Senior Risk Manager, Senior Compliance Manager and the MLRO, they would have a key role in drafting the MLRO Annual Reports and progressing work on new and existing and new recommendations from this. Tact, resilience, organisation and excellent communication skills are all needed, but for the right candidate there are real opportunities to take on responsibility in Financial Crime with this agile specialist lender. Summary of Duties / Responsibilities The main duties will include, but are not limited to: • Enhancing process for identifying AML red flags, using staff awareness and system data; • Advising on level of CDD and EDD on live cases where needed; • Working with the Risk and Compliance Managers to provide support and make recommendations to the business on AML related decisions; • Advancing our ability to risk rate our customer book; • Carrying into effect projects and actions highlighted by MLRO Annual Report; • Carrying out periodic reviews of higher risk customers; • Overseeing shortfall and over-payment queries; • Investigating internally raised AML suspicions; • Supplying monthly and quarterly financial crime MI; • Providing support to the business by undertaking ad hoc projects and research as directed by the Senior Management Team. KEY SKILLS/COMPETENCIES Key Skills • Good attention to detail and accuracy • Excellent IT skills (proficient in Microsoft Word, Excel, PowerPoint and PDF); • Excellent interpersonal skills, organisational skills and detail orientated; • Ability to handle sensitive and confidential management issues and information with discretion; • Team player, supportive of others, proactive; • Self-educating, curious and pragmatic, solution-oriented mind-set; • Familiarity in the use of third party AML systems; • Knowledge of navigating fraud detection system (CIFAS, SIRA, Hunter); • Understanding of internal and external SARs • Previously worked in the financial services/mortgage industry; • Understanding of FCA and AML regulation; • Ability to assess the AML/Financial Crime risk posed by certain customers and evaluating customer risk ratings; • Keen eye for detail and ability to not take everything at face value. Keystone's Values Our Values help define who we are as Keystone Property Finance. They come from the beliefs we hold, the way we behave and how we want to work together for the benefit of our customers and our business. • Respect • Integrity • Resilience • Excellence Our Values are unique to our brand, they give us purpose and focus. They are vital in helping us all ‘do the right thing’. If we are confident that we are true to our values, then we can be sure that we are doing the best for our customers. Benefits • Industry leading AXA backed Private Health Care with no excess • Generous Pension contributions of 4% • 25 days holiday plus bank holidays • Death in service. • Social events (should you wish to be sociable). • Dress down Fridays. • Supported Training and a CPD track • Free Parking • Gym membership contribution • Christmas party and Summer Teambuilding events • Yearly salary review • Discretionary bonus scheme (please note some of these become available after probation)