Financial Crime Risk Manager - 12 month FTC

About us

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.

GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!

And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply!

The Role

As the Second Line of Defence (2LoD) subject matter expert, the Financial Crime Risk Manager will report directly to the Group MLRO and will play both a regional and global role. In this role, you will be primarily tasked with building and maintaining effective AML/CTF, ABC, and sanctions systems and controls to ensure compliance with laws and regulations in various GoCardless locations.

This is a 12 month fixed term contract.

What excites you

Conducting end-to-end investigations into suspicious activity, gathering and analysing transactional and customer evidence to assess internal disclosures, and preparing and submitting Suspicious Activity Reports (SARs) to the National Crime Agency (NCA) and other FIUs where reportable grounds for suspicion are identified

Day-to-day oversight of the compliance team's JIRA request queue — Unusual Activity Reports (UARs), policy advisory, partner bank queries, FCDDQs, and ad hoc queries — triaging, prioritising, and allocating incoming work across the team, driving each item through to resolution, while executing tasks directly where technical fit and capacity allow;

Executing the firm’s annual financial crime Enterprise-wide Risk Assessments (EWRA), including risk identification, data analysis, inherent risk assessment and control evaluation. Keeping EWRA methodology up-to-date;

Closely follow legal, compliance, and regulatory developments in relation to AML/CTF, ABC, and sanctions in the Fintech industry, to ensure our processes keep pace;

Drafting annual external reports and regulatory returns to the authorities, and acting as a point of contact for the FCA, NCA, and other law enforcement agencies, including in ongoing criminal investigations that commenced from a submitted SAR;

New products, markets business partnerships/initiatives risk assessments and programme updates;

Drafting financial crime management information and periodic reports to senior management, analysing trends and recommending enhancements to first line controls;

Delivering targeted financial crime training to the Compliance Operations team and Sales team on areas that are identified as requiring improvement;

Advising on CDD escalations based on internal policies and procedures;

Monitoring and responding to AML / Sanctions-related escalations in JIRA;

Reviewing and approving of high-risk customers at onboarding (e.g. PEPs);

Reviewing and approving of requests for waivers, dispensations and minor policy exceptions from the first line defence;

Promoting a culture of good financial crime management across the firm;

Covering MLRO annual leave / absences

Supporting on the Financial Crime Risk roadmap projects to design and deploy controls over new products, new markets, and enhancements throughout the company;

Support the wider Compliance based on capacity, need and expertise.

What excites us

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