Job Description

Who We Are

Moneycorp is a thriving dynamic business with an excellent reputation helping Corporate and Private Clients with their FX and International Payments requirements for over 40 years. As a globally expanding business, our footprint covers UK & Ireland, Europe, USA, Canada, Hong Kong, UAE, and Brazil!

With our extremely rare single IBAN multi-currency account, we are able to assist with a variety of different payment needs, including business payment solutions, personal payments abroad (for example buying a property), travel money, as well as the ability to offer interest on deposits. Supplementing this, we also support the global supply chain of wholesale banknotes through our Financial Institutions Group (FIG) and partnership with the US Federal Reserve Bank, to build deeper payment relationships with international banking customers.

It is through obtaining our own banking and payment licenses, the acquisition of two banking platforms and access to 16+ liquidity providers that we are able to proposition a trailblazing FinTech payment infrastructure that simplifies our customer's diverse business needs and reduce their costs. There is no doubt that we are a major player and differentiated ourselves in a continuously evolving and competitive industry.

With 500+ employees, Moneycorp prides itself in attracting some of the world's top talent and the people who work at Moneycorp are truly behind its continued success. As Moneycorp continues to expand into new territories, there are considerable opportunities for growth for newcomers and the learning possibilities are endless. We welcome you to be part of a team which has a passion for the business, all within a collaborative and supportive working environment that has ultimately translated to a unique exciting business. To find out more about our journey

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Your Next Challenge

We are looking for a highly collaborative and conscientious AML Analyst. They will be the Second Line of Defence (2LoD) providing expert advice and guidance to the business on all financial crime-related regulatory obligations and requirements. This includes client onboarding, transaction monitoring, payment screening, sanctions, and regulatory reporting.





The AML Analyst will support the MLRO and DMLRO in delivering regulatory excellence and timely assistance to the First Line of Defence (1LoD) and front office business units. The role is key to ensuring the Bank and Group's risk and compliance objectives are achieved and that the regulatory health of the business is maintained.





The role will provide support on Customer Due Diligence (CDD), sanctions, and AML transaction monitoring enquiries and escalations. It involves investigating and analysing referrals to the 2LoD, assessing potential suspicious activity, and preparing case files for review by AML management.

Key Accountabilities:

Transaction Monitoring

Review and assess case escalations from the First Line of Defence (1LoD) arising from transaction monitoring alerts. Conduct periodic reviews of accounts subject to enhanced monitoring, ensuring ongoing scrutiny and risk mitigation. Investigate and respond to payment-related queries, providing guidance and support to the business as needed.

Screening (Sanctions, Adverse Media, etc.)

Review and investigate complex alerts to assess potential name matches against sanctions, Politically Exposed Persons (PEP), and adverse media screening lists. Apply sound judgment and analytical skills to distinguish between true and false positives, escalating genuine matches in line with internal procedures.

Investigations

Conduct thorough investigations into potential suspicious activity, compiling comprehensive case files and providing clear recommendations to the MLRO and DMLRO. Manage and respond to Requests for Information (RFIs) from correspondent banks, ensuring timely and accurate communication. Undertake other ad-hoc investigations as required, supporting the business in identifying and mitigating financial crime risks.

Fraud Tasks

Manage the Authorised Push Payment (APP) reimbursement process, ensuring cases are assessed in line with internal policy and regulatory expectations. Support 2LoD with fraud-related tasks, including investigations, escalations; contributing to the Bank's broader financial crime risk management framework.

Operational

Ensure client records are maintained to a high standard, with accurate and up-to-date information. Identify gaps or deficiencies in client documentation and consult with relevant teams to ensure timely remediation. Uphold company procedures and high compliance standards at all times, with particular focus on Know Your Customer (KYC) processes. Actively participate in and support ongoing AML/CTF projects and remediation initiatives. Assist with the Bank's compliance with Common Reporting Standard (CRS) and Foreign Account Tax Compliance Act (FATCA) obligations. Support the production and continuous improvement of key metrics and regular reporting to senior management and governance committees. Collaborate with and provide guidance to fellow compliance colleagues to ensure the Risk and Compliance team collectively meets the Bank's objectives and business needs.

Knowledge and Experience:

Proven experience working within Risk and Compliance, ideally within the banking, payments, or foreign exchange (FX) sector. Strong and demonstrable knowledge of financial crime regulations and guidance. Prior experience in an AML Second Line of Defence (2LoD) role is desirable.

Skills:

Exceptional attention to detail. Ability to work effectively under pressure in a challenging environment. Strong organisational and prioritisation skills. Excellent written and verbal communication skills. Proficient in Microsoft Office applications.

Education:

Industry qualification (e.g., ICA, ACAMS) is preferable.

Personal Attributes:

Professional and reliable. Approachable and engaging. Goal-oriented with an initiative-taking mindset. Determined and persistent. Strong team player. Positive "can-do" attitude.

The successful candidate will be part of a dynamic team and work in a fast-paced environment, catering to a diverse mix of stakeholders with varying needs. Therefore, the ideal candidate should be a self-starter, as there is an opportunity to make an immediate and tangible contribution to the business.

Please note:

This is a full-time, permanent position with an opportunity to work within the Risk & Compliance team based in our Gibraltar office.

What you get in return:

This role offers a competitive salary, plus a benefits package including private medical health insurance.

Interested?

If the role sounds like you, we invite you to upload a copy of your CV and can do this by clicking on the

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Diversity and Inclusion

Moneycorp is proud to be an Equal Opportunity employer. Across our Group, Moneycorp maintains a philosophy that an inclusive company culture inspires creativity, fosters a sense of belonging, and is imperative to both personal and professional growth. With a makeup of 47 percent female employees, Moneycorp has a remarkably diverse workforce. Our commitment to inclusion and opportunity continues to evolve and improve as we listen and engage with our diverse teams.