Financial Crime Analyst

CompanyANNA Money

LocationCardiff, Wales, United Kingdom

Posted At2/19/2026

UK Visa Sponsorship Analytics

Occupation Type

Business and related research professionals

Occupation Code Skill LevelHigher Skilled

Sponsorship Salary Threshold

£41,700 (£21.38 per hour)

Standard minimum applies

Above analytics are generated algorithmically based on job titles and may not always be the same as the company's job classification. You can also check detailed occupation eligibility, and salary criteria on our UK Visa Eligible Occupations & Salary Thresholds page.

Disclaimer: Hunt UK Visa Sponsors aggregates job listings from publicly available sources, such as search engines, to assist with your job hunting. We do not claim affiliation with ANNA Money. For the most up-to-date job details, please visit the official website by clicking "Apply Now."

Description

Join ANNA Money as a Financial Crime Analyst and become a vital part of our mission to maintain the safety and integrity of our financial services. In this role, you will analyze various financial transactions to identify potential fraudulent activities and ensure compliance with all regulatory standards. You will work closely with our compliance and legal teams to investigate suspicious behaviors and contribute to the enhancement of our preventative measures.

Key Responsibilities:

Monitor and Analyze Customer Transactions for Signs of Financial Crime (Fraud and Money Laundering)

Task: Continuously review customer transactions for suspicious activities that may indicate money laundering, fraud, or other financial crimes

Strategies:

Automated monitoring tools: Leverage transaction monitoring systems to flag unusual patterns, such as large cash deposits, transfers to high-risk jurisdictions, or unusual behavior inconsistent with a customer's profile

Risk-based approach: Prioritise high-risk customers and sectors, ensuring that resources are focused on the most significant threats

Behavioural profiling: Build customer profiles based on normal transactional activity and detect deviations that may suggest illicit behaviour

Conduct Thorough Investigations into Flagged Transactions and Accounts

Task: When suspicious transactions are flagged, conduct a detailed investigation to assess the nature and intent behind the activity

Strategies:

Investigative frameworks: Develop a step-by-step investigation process, including gathering documentation, analyzing the customer's history, and reviewing the context of the transactions

Red flag identification: Ensure investigators are aware of red flags for financial crime, such as structuring, layering, or multiple accounts tied to suspicious entities

Documentation and reporting: Maintain detailed records of findings, which are critical for regulatory reporting and internal audits

Collaborate with Internal Teams to Develop Strategies for Improved Detection and Prevention of Financial Crime

Task: Work cross-functionally with compliance, risk, IT, and other relevant teams to enhance systems and controls

Strategies:

Cross-team communication: Establish regular meetings with other teams to align on detection strategies, share insights, and implement joint initiatives

Process improvement: Use feedback from investigations and monitoring to improve existing detection systems, such as tweaking rule thresholds or incorporating machine learning models

Holistic view of risks: Combine data from different departments (e.g., customer service, fraud, compliance) to detect patterns that may be missed in isolated silos

Prepare Comprehensive Reports Documenting Findings and Recommended Actions

Task: Document investigation outcomes, outlining evidence, analysis, and proposed actions (e.g., filing Suspicious Activity Reports [SARs], terminating accounts)

Strategies:

Structured reporting: Use consistent templates for reports, ensuring that they are clear, detailed, and aligned with regulatory requirements

Actionable insights: Highlight recommendations in reports that guide next steps, such as enhancing controls, escalating cases to senior management, or making legal referrals

Regulatory compliance: Ensure all reports meet the necessary standards for submission to regulators or law enforcement agencies

Stay Up to Date with Industry Regulations, Best Practices, and Emerging Trends in Financial Crime Prevention

Task: Keep abreast of changes in financial crime regulations, enforcement actions, and new criminal techniques

Strategies:

Continuous learning: Attend industry conferences, training programs, and webinars on AML and financial crime prevention

Regulatory updates: Subscribe to bulletins or newsletters from regulators like the Financial Action Task Force (FATF), FinCEN, or local financial authorities to track regulatory changes

Peer networking: Join AML and compliance professional groups to share knowledge and insights with peers in the industry

Assist in Training Staff on Compliance and Financial Crime Awareness Initiatives

Task: Support the development and delivery of training programs that raise awareness about financial crime and ensure compliance with AML requirements

Strategies:

Custom training: Tailor training content to different departments, ensuring that staff receive relevant information based on their role (e.g., frontline staff, analysts, or executives)

Case studies: Use real-life examples of financial crime cases to illustrate key risks and red flags in training sessions

Regular updates: Schedule periodic refreshers and updates as regulations evolve or new threats emerge, keeping the team informed of the latest practices

Managing Escalations from Junior Analysts

Task: Addressing issues or questions raised by junior analysts when they encounter complex or unfamiliar AML cases

Strategies:

Establish a clear escalation process: Ensure junior analysts know when and how to escalate cases, and set up an organised workflow for handling these escalations efficiently

Document resolutions: Keep track of frequently escalated issues and create a knowledge base or playbook that can help reduce future escalations

Mentorship: Provide coaching and guidance to junior analysts to empower them to handle more complex cases independently over time

Analysing and Reviewing Junior Analysts' Work

Task: Conduct regular reviews of the work done by junior analysts to ensure accuracy and compliance with AML regulations

Strategies:

Quality control: Implement a structured review process, including spot checks and formal assessments to ensure work adheres to established standards
Feedback loops: Offer constructive feedback on both strengths and areas for improvement, fostering continuous learning
Review templates: Develop checklists or templates that help ensure consistency in how reviews are performed
Proactively Identifying AML Trends

Task: Monitor emerging trends in money laundering techniques and ensure your team is equipped to address them

Strategies:

Data analysis: Regularly analyse case data, alerts, and transaction patterns to detect trends that may indicate evolving money laundering tactics
Industry collaboration: Stay connected with industry news, regulatory updates, and forums to learn about global AML trends
Team discussions: Conduct brainstorming sessions or training workshops to make your team aware of new trends and encourage proactive identification of unusual patterns

Requirements

The ideal candidate will possess:

A minimum of 4 years experience in financial crime analysis
In-depth knowledge of financial regulations and compliance standards
Familiarity with financial crime detection tools and techniques
Relevant certifications (e.g., ACAMS, ICA) and a degree in finance, business, or a related area are preferred
Experience in identifying, investigating, and preventing Authorised Push Payment (APP) fraud, with strong understanding of associated typologies and customer impact
Proven ability to implement and deliver training programmes as well as coach and mentor junior analysts

Experience in performing quality audits and inspections

Strong analytical and problem-solving skills

Excellent verbal and written communication abilities

Confidence speaking on the phone to customers and other financial institutions

Hybrid Working

We welcome you to both our UK offices, which are located in Cardiff and London.

We support Working From Home, but we do require you to travel to our offices for training sessions and meetings, which take place fortnightly.

If you live locally to our UK offices, we expect you to attend an office nearest to you on a weekly basis

Benefits

Ongoing AML, CTF, CPF, Sanctions and Fraud training across a spectrum of activity, including internationally recognised certification qualifications and accredited learning
Hybrid working
Perks that include Perkbox, the Cycle to Work scheme
Travel allowance of up to £1,000 every year
Continuous Learning allowance of up to £1,000 every year
Growth share options (10x growth in recent years)
An employee-driven salary review
The opportunity to gain wider experience Subject Matter Expert roles

Employee wellbeing, fitness and mental health support programmes

Opportunity to join frequent virtual and in person social events, organised by our Social Team

A day off for your birthday. Hooray!

Salary

£35,000 - £38,000 per year based on experience

Please note that due to a high level of demand in candidates for this role, we're unable to respond to individual emails or questions about the position. We hope that we've been thorough and transparent regarding the requirements and expectations of this role.