Job opportunity | Tech Team

Financial Crime Analyst (Payments/E-Money)

Company Overview:

We are an innovative, solution driven financial services institution operating in the payments and e-money space, committed to maintaining the highest standards of integrity and compliance whilst providing customers with the products and services they need. We are currently seeking a skilled and experienced Financial Crime Analyst to join our London-based team in a hybrid role, spending 3 days in the office and 2 days working remotely.

Position Overview:

As a Financial Crime Analyst with expertise in the payments and e-money sector, you will play a crucial role in supporting our efforts to combat money laundering, fraud, sanctions violations, and other financial crimes. The ideal candidate will have at least 2 years of experience within banking and payments industries, including proficiency in AML/CTF investigations, sanctions investigations, and managing and optimising financial crime systems. The individual should be data-driven, self-motivated, and comfortable working in small teams.


  • This role reports to the Deputy MLRO (DMLRO) within the UK Compliance function and will be based primarily supporting Cornerstone Payments Solutions Ltd (UK entity).Conduct detailed and comprehensive analysis of payment transactions, customer profiles, and account activities to identify and mitigate potential financial crime risks.
  • Utilise data analysis tools and techniques to identify patterns, anomalies, and trends that may indicate financial crime activities.
  • Investigate and analyse suspicious activities, transactions, and behaviour patterns, utilising available internal and external tools, databases, and resources.
  • Implement appropriate fraud management practices and internal investigations of potential fraudulent transactions
  • Assist in the development and implementation of transaction monitoring and surveillance systems, ensuring their effectiveness in identifying potential risks.
  • Conduct initial and ingoing due diligence checks on customers, merchants, and third-party service providers to ensure compliance with regulatory obligations.
  • Participate in internal and external audits, examinations, and regulatory reviews related to financial crime compliance.
  • Leverage data-driven insights to identify areas for process improvement and automation, enhancing the efficiency and effectiveness of financial crime investigations.
  • Conduct KYB/KYC checks on prospective clients
  • Assist with data collation for regulatory reporting to the FCA.
  • Prepare and submit reports on suspicious activities, escalating issues to senior management as required.
  • Stay updated on the latest industry trends, regulatory requirements, and best practices related to financial crime prevention, including AML, CFT, sanctions compliance and fraud.
  • Collaborate with cross-functional teams, including compliance, operations, and technology departments, to enhance existing systems, processes, and controls to detect and prevent financial crime.

Qualifications and Experience (must have):

  • Minimum of 2 years of experience working within Financial Crime, preferably within the UK’s payments or e-money sectors.
  • Strong knowledge and understanding of anti-money laundering (AML) regulations, JMLSG guidance, and the FCA handbook.
  • Proven experience in conducting AML investigations, sanctions investigations, and utilising financial crime systems.
  • Strong data analysis skills and experience using data analysis tools and techniques to identify patterns and anomalies.
  • Knowledge of FCA Connect and RegData systems
  • High level of integrity and ethics, with a commitment to upholding regulatory and compliance standards.

Qualifications and Experience (desirable):

  • ICA/ACAMS certifications are highly preferred.
  • Familiarity with acquirer operations and merchant acquiring would be an added advantage.
  • Experience using RiskNarrative or similar systems for customer onboarding would be an added advantage.

We offer a competitive salary package, including benefits and career development opportunities, within a dynamic and collaborative work environment. This hybrid role provides flexibility while maintaining a collaborative office environment. If you are passionate about combating financial crime, possess the necessary skills and experience, and thrive in a data-driven and small-team setting, we encourage you to apply for this exciting opportunity.

Apply now with your CV:

Why work with us at Cornerstone:

Cornerstone is a fast growing, publicly listed fintech in the international payments space. We’re on a mission to reimagine the treasury and accounting workflow of businesses through our flagship product – bringing Open Banking, third party platforms and online multi-currency accounts together to provide finance teams with a 360 degree view of their financial operations.

Here are some of the reasons we’re a great company to join.

Part startup, part established business

We offer the best of both worlds. We aim for the hallmarks of great startup culture - creative problem solving, agile culture, open communication and empowered individuals. At the same time, we're well funded, publicly listed and with an experienced management team at the helm.

Training and development

We encourage self-improvement, and welcome business cases for tutorials, conferences, online courses or real-life courses you wish to attend. We will always do our best to support your learning and development.

Flexible working

We balance the advantages of remote working with collaboration time in person at our workspace. The number of on-site days per week expected from employees varies from team to team, based on team-level needs and dynamics, alongside personal working style.

Great serviced workspace

You'll have access to private and coworking space at the vibrant and stylish WeWork at 1 Poultry in the heart of the City of London.