136 Compliance jobs

Monzo is a bank that lives on your phone. Our mission is to  make money work for everyone : to make our customers effortlessly financially savvy with smart features, unexpectedly friendly service, and a relentless focus on what people genuinely want and need. Our net promoter score of +80 is more than 2x that of other banks, and we are the fastest-growing bank in the UK. Monzo resembles a fast-paced tech startup  – we move fast, ship things every day, and develop products iteratively. We are also very serious about the safety of our customers’ money and their trust in us, and we believe this starts with our culture. We  default to transparency  both internally and externally, and we involve our  community  in everything we do. We prize a diverse team as a strength: everyone is welcome at Monzo and is encouraged to do the best work of their lives. We’re planning to launch in the US in the next few months , and we’re looking for a business-savvy, collaborative and experienced compliance and risk management leader to help us build a product to revolutionize banking for millions of Americans, and to be one of the first members of Monzo’s team based in the US. We have ambitions to revolutionize banking in the US, but to do so we need to ensure we can  move quickly but safely . We need to ensure we’re compliant with local rules and regulations, and that we manage our risks properly. You will be responsible for pragmatic risk management, compliance monitoring, and governance oversight of the US business. You will report to our global Chief Risk Officer (who is based in the UK), but you’ll be an integral part of the team we are building in the US. Your responsibilities: • Develop processes for risk management and governance in the US You will be responsible for deploying our risk management framework and governance structure in the US, making changes as necessary to account for local differences. • Track and monitor the US business You will monitor a range of metrics from platform uptime to the number of customer complaints to ensure that the US business is operating within our risk appetite. You will collaborate with our UK teams to report these items as required. • Manage the risk governance forum for the region Our US team will need to meet regularly to discuss risks, controls, regulatory issues and focus areas. You will manage this meeting and ensure the right information is made available, with support from our UK Risk team. • Provide challenge and guidance You will leverage your industry experience to provide challenge and guidance to our US team, ensuring they limit and manage the business’s risks as we scale up. • Compliance monitoring and assessments You will work with the Legal and Regulatory teams to conduct reviews to confirm that our teams are adhering to the regulatory requirements and following our internal policies and procedures. You are likely to also perform reviews driven by incidents or events that we need to learn from in a structured way. • Manage independent reviews and audits  We are required to carry out independent external reviews and audits from time to time, and you will commission and work with these third parties. • Ensure that identified risks and mitigated and effectively controlled In such a fast-moving business you’ll need to keep your eyes on the ball, ensuring that risk and compliance issues are rapidly identified and resolved. • Oversee the risk management of our supplier relationships Our US operating model is reliant on several key suppliers, and on an ongoing basis we will need to both look at their risk management performance and be prepared to be looked at by them at our performance, you need to be able to balance these potentially tricky risk relationships.   You should apply if: • You’re business-savvy, a strategic thinker, and a keen problem solver who knows how to quickly assess risk and recommend a risk-based solution in a fast moving business. You are not afraid to roll up your sleeves to get things done. • You have an ability to sense when something is not quite right and needs attention. • You have extensive experience operating at a senior level, can communicate with clarity and purpose, and provide relevant advice to the business while remaining independent of it. • You have experience of working in regulated financial services or payments companies in the US, and can demonstrate in your application how your experience has prepared you for working at a fast-paced technology business. Ideally you have experience managing compliance and risk in consumer payments and retail banking products. Applicants with a range of experiences, and not just traditional banking roles, are strongly encouraged to apply. • You have expertise in CFPB prepaid, BSA and AML, Reg E and GLBA. However, regardless of which specific areas of expertise you have worked in you should be comfortable working in unfamiliar fields and learning new things. • You’re passionate about technology and in particular financial technology, and what we are doing here at Monzo excites you. You think that banking in the US needs to fundamentally change and you want to be at the forefront of that revolution. You are excited about the prospect of helping build Monzo in the US and are happy to contribute to the growth of the wider business.

The champion on all things Operations , you will ensure that we run a tight ship as we navigate the deep waters of P2P financing.   About The Job Understand our AML & CFT standards to implement effective Know Your Customer (KYC), Due Diligence (DD), Politically Exposed Persons (PEP) and Risk Profiling checks Ensure timely end of day reconciliation between our Trust accounts and microLEAP’s platform Execute transfers between our Trust accounts, handle monthly payments and handle ad hoc deposits and withdrawals from our users Assist in our credit checking process to ensure Issuers are correctly evaluated Be aware of new and current SC regulations and its impact on our company Assist in establishing our Operations manual, code of conduct and SOPs At all times be compliant with Securities Commission's rules, regulations & guidelines   Job Requirements Minimum Diploma or Degree holder Up to 3 years Operations experience in the fintech, banking or financial services sector Willing to join our start-up journey Looking for hungry superstars looking for the next step-up   Our Culture   microLEAP – small steps, BIG IMPACT microLEAP is a Malaysian fintech startup looking to launch a Peer-to-Peer (P2P) Financing Platform focused solely on the microfinance sector (the B40 to lower M40 income group) where Issuers may raise crowd-sourced funds with minimum hassle.   FINTECH STARTUP We recently received approval by the Securities Commission (SC) Malaysia to operate a P2P financing platform. microLEAP made it to the Top 18 teams of UNCDF’s Financial Innovation B40 Challenge as well as the Top 11 teams of 1337 Ventures'​ Alpha Startups: Fintech Edition.

Knoma is an early stage startup backed by a large European VC. We offer a payment solution and marketplace for lifelong learning with the aim of tackling the digital skills gap.  We are looking for an experienced credit underwriter, who can become an instrumental part of the team. As a Credit Risk Manager you would oversee development of the logic and the systems associated with working out who we lend to and how much we lend, and then how we collect that money back. Responsibilities All underwriting (including redecisioning) along with any decision science work needed to build and deploy decisioning models and logic. Credit limit assignment activity and credit limit increase/credit limit decrease programs Setting and monitoring the credit risk control framework (e.g. early warning indicators, risk appetite etc.). Provisioning, write offs and management of our P&L credit loss line Ensuring we lend in a compliant and consumer centric way Competences & Characteristics Knoma would love you to apply if you have a deep understanding of managing consumer credit risk. You should understand all aspects of the credit lifecycle from decision science and underwriting through portfolio management, including collections and provisioning and all of the regulations that apply. You should be comfortable using data and analytics to optimise across all of these stages. In particular, you should have experience of the following within a consumer lending environment: Credit underwriting Collections strategy design and management Decision system management and development Data Science (regression modelling and machine learning) Portfolio optimisation, including redecisioning and credit limit strategy management Credit reference agency data and products (including reporting back and negotiating commercials) Customer Lifetime Value (CLV) modelling/Net Present Value (NPV) modelling/unit economic Capital allocation and P&L income and losses modelling and stress testing A/B test design and statistical significance You should apply if :  Ideally Knoma is seeking someone from the FinTech space, who has experience in working with early stage financial startups.  You’re a real expert in consumer credit risk management and understand the detail behind how to optimise all of the various components that make lending products profitable You have a solid understanding of how lending products work to generate profit including experience of building and using tools like Customer Lifetime Value and/or Net Present Value modelling and how income and losses are recognised on the P&L You have a deep understanding for credit risk measurement and control frameworks and are able to set these up from scratch using first principle thinking You’re self-motivated, highly organised and focussed on impact You’re happy taking an MVP approach and doing what’s good enough for now You’re excited about the future of finance and the importance of lifelong learning You’re able to build strong, mutually respectful relationships with diverse teams Salary competitive! If interested please send your CV over to support@knoma.io

Who are we? We’re changing the way people send money abroad: we’re taking something complicated and making it simple. At WorldRemit, our people and our technology work together to create faster, easier and lower cost money transfers. We send to more than 145 countries around the world and have over 3 million happy customers – a number that’s growing every day! The mission of the  Compliance Department  is to assist in the implementation and oversight of the compliance functions embedded throughout WorldRemit and to carry out its mission with integrity and in accordance with WorldRemit’s legal, regulatory and ethical responsibilities. With 50 + regulatory jurisdictions and a truly global span, compliance at WorldRemit provides many exciting challenges and opportunities for those in the compliance area.   The role: The  Senior AML Analyst  is responsible for the analytical functions involved with the daily monitoring of the activities related to Anti Money Laundering (AML) and Counter Terrorist Financing (CTF) compliance programs. Assist management with ensuring compliance with regulations, company policies and procedures through review of high risk reports; monitoring and reviewing data produced by the system to determine if transactions are suspicious in nature; identifying potential higher risk relationships; completing investigative work leading to Suspicious Activity Reports; partnering with personnel as it pertains to AML/CTF/sanctions issues; and remaining current on compliance matters as they relate to AML, Sanctions, CIP, and Due Diligence. The main duties include: Conduct, perform and complete applicable Transaction Monitoring of alerts, through investigations and analysis, and identify any potential violation of AML/CTF sanction regulations. Prepare, review and lodge suspicious matters accordingly Attend and address all escalations from the business in a timely manner and escalate urgent matters to the Compliance Officer. Assist and attend to respective and applicable Regulatory Reporting Obligations including, but not limited to, lodgment of AML Reporting obligations and licensing obligations. Assist with the preparation, implementation and monitoring of the applicable business compliance policies and procedures Provide Compliance advice, support and clarifications to the business as required. Collate and submit applicable productivity, quality metrics management report for the applicable Compliance Board reports. Assist with any other Compliance related matters or projects as identified and assigned by the Compliance Officer. Provide assistance and support to the other APAC Compliance offices where deemed applicable Research and interpret new regulatory guidelines or changes in those guidelines. Monitor compliance with current compliance policies and procedures. Assist in the coordination and support of compliance audits and examinations. Providing assistance in training associates on the company’s compliance policies and procedures. Requirements: At least 5 years of experience working in a compliance role in the banking or remittance sector. Strong AML/C TF & Compliance Financial Services knowledge as part of a varied compliance skill set A strong appreciation of the regulatory landscape as it applies to the remittance/money transfer sector. Holding a recognized compliance qualification a strong plus (CAMS or CRCM) Have the desire to work for a small but rapidly growing firm and have the ambition to progress within the organization Strong communication and relationship building skills A team player and sociable in nature Very high attention to detail The ability to work in a regional and global environment through a variety of communication mediums Driven to succeed and proactive in seeking out information and building relationships

Who we are:   We’re changing the way people send money abroad. We’re taking something complicated and making it simple. Our people and our technology work together to create faster, easier and lower cost money transfers. We send to more than 145 countries around the world and have over 3 million happy customers – a number that’s growing every day. After all, 120,000 5★ reviews can’t be wrong!     We believe in helping our customers’ hard work go further. We’ve helped millions of children to go to school, helped thousands of people to receive medical treatment and, every week, we help tens of thousands of people to pay their bills. But most importantly, we do it all with the creativity, imagination and colourful spirit of our customers.     The work we’re doing is making a splash in the fintech industry too. Accel Partners and Technology Crossover Ventures have invested $140 million in us – and as early backers of the likes of Facebook, Spotify and Netflix, we know we’re in good company! Not only that, but we’re also a member of TechCity UK’s prestigious FutureFifty.     Changing the world isn’t easy, but we’re hoping to find the right people to join us on our way. If you think differently, believe in new solutions to old problems and have the drive to make things happen, you might just be what we’re looking for.  The role: You'll be responsible for the analytical functions involved with the daily monitoring of the activities related to Anti Money Laundering (AML) and Counter Terrorist Financing (CTF) compliance programs. Assist management with ensuring compliance with regulations, company policies and procedures through review of high risk reports; monitoring and reviewing data produced by the system to determine if transactions are suspicious in nature; identifying potential higher risk relationships; completing investigative work leading to Suspicious Activity Reports; partnering with personnel as it pertains to AML/CTF/sanctions issues; and remaining current on compliance matters as they relate to AML, Sanctions, CIP, and Due Diligence. Your responsibilities: Monitoring of initial and on-going Know Your Customers (KYC) requirements. Auditing/Analysis of customer activities, by communicating with customers on the telephone/email to meet the WR ongoing customer due diligence requirements and obligations. Attending to escalations of Sanction Screenings and matches. Escalating any suspicious activity/concerns to the Compliance Officer. Assist with any other Compliance related matters or projects as identified and assigned by the Compliance Officer. Conducting suspicious activity and reputational risk investigations as warranted. Carrying out any other tasks as may be requested from time to time. What we're looking for: BA/BS or compensating experience in AML and CTF compliance. Experience working in a KYC or transaction monitoring role. French or Spanish speaker preferable. Team player adaptable to fast-paced and changing environment. Ability to manage tight processes, with accuracy and attention to detail. Highly disciplined person, self-motivated, and delivery focused. Excellent communication skills both verbal and written. Strong organizational skills. Proficient in MS Office (Access, Excel, Word, PowerPoint and Visio). 

Deputy MLRO GoCardless processes billions in payments each year. Tens of thousands of businesses across the UK and beyond rely on us to handle their payments, and hundreds more sign up every week. As we look to the future, those businesses will be larger, more demanding, and present in multiple countries - and so will we. We are responsible for ensuring that our products and services do not facilitate money laundering or terrorism financing, and that we fulfil our obligations to our regulators and partners, such as our banking partners, all whilst providing the best possible experience for our merchants, and enabling our business to scale. The Legal and Compliance team are at the forefront of GoCardless’ expansion - both domestically and abroad, and must ensure that GoCardless adopts, implements and maintains innovative and appropriate processes and controls. We are looking for a Deputy MLRO to ensure effective Anti-Money Laundering / Counter Terrorism Financing (AML/CTF) systems and controls are in place at a cutting-edge, dynamic and high-growth fintech company. The role You will be responsible for helping to set the money laundering agenda within GoCardless. You will take a consultative approach and work closely with every business division to implement and manage a comprehensive and proportionate to the nature, scale and complexity, AML/CTF framework. Some of the main elements of the role will involve: Ensuring that GoCardless remains up to date with relevant regulatory developments Carrying out a regular ML/TF risk assessment of GoCardless’ business Coordinating the implementation of standards, policies and guidance, and ensuring these are being communicated effectively to all relevant staff Advising our Compliance Operations team on the development and maintenance of AML/CTF procedures to ensure we stay true to our policies Identifying deficiencies in policies, procedures, systems or controls relating to ML/TF and implementing remedial actions to address such deficiencies Reviewing potential / existing high risk relationships and transactions Determining whether or not suspicious activity reports have substance and require disclosure to the relevant authorities Conducting an annual assessment of training and awareness needs, and implementing, together with the MLRO, an effective company-wide training programme Conducting regular monitoring, testing and reporting on the effectiveness of the AML/CTF programme, including system and tools, and day to day operations Preparing regular management information reports for distribution to the MLRO and Senior Management Lead GoCardless’ review of and response to relevant regulator and industry body consultations Supporting the MLRO in meetings with external auditors and regulators Deputise for the MLRO in their absence What we're looking for We’re looking for someone with relevant experience in a regulated financial institution, and who is passionate about moving to a fast-paced fintech startup. You will be driven and able to work independently, while taking a consultative approach in an area that can be seen as inhibitive to business. You are an experienced AML professional, looking to shape the AML/CTF function at a growing company. We’d love to hear from you if: You can say how new regulations coming into play will impact the business’ products and expansion plans You’ve operated in an environment with multiple regulatory requirements You have experience in drafting, implementing and rolling out AML/CTF frameworks and policies You’re constantly driving for improvement, efficiency and risk management Your risk radar is finely tuned and you work tirelessly to mitigate identified risks Your communication skills are first class, and you are able to distil complex and cumbersome regulation into understandable English You are easy to work with, and want to work in a fun, fast-growing but demanding young company Bonus points if: You’ve supported assessing  and implementing regulatory requirements across multiple geographies You’ve designed/maintained AML/CTF processes and procedures You’ve in depth knowledge of non-UK regulatory requirements You’ve overseen the validation of AML/CTF tools/scenarios (design and performance) You’ve been responsible for overseeing KYC/sanctions checks and/or conducted investigations You have relevant professional qualifications (e.g. ACAMS or ICA AML qualifications)

Help lead the fight against financial crime and provide our customers with a great onboarding experience. About us Since GoCardless was set up in 2011, we have been focused on taking the pain out of getting paid so that our customers can focus on what they do best. We already process over £7bn each year for thousands of businesses, and we are growing fast. We work with a huge range of organisations: small gyms and scout groups use us to reduce admin; fast-growing companies like Funding Circle use us to power their growth; established companies like TripAdvisor use us to dramatically reduce failure rates. We’ve been spending the last year expanding our offering outside of UK and Europe and are now operating 7 different payment schemes (and will be adding the US early next year) and serving merchants in over 30 countries, with offices in Melbourne, Paris, Munich and of course, London (our HQ). We’re backed by some of the world’s leading investors including Google Ventures, Salesforce Ventures, Adams Street Partners, Balderton Capital, Accel Partners, Notion Capital, Passion Capital and Y Combinator.   About the Team The Compliance Operations team plays a critical role in GoCardless’ continued expansion. The team: Manages the initial and ongoing verification of customers in over 30 geographies, providing the best possible customer experience Reviews our customers against PEP and sanctions lists, so we’re only working with customers that we should be Coordinates the delivery of AML/CTF training across the company, so everyone in GoCardless makes compliance conscious decisions Identifies and investigates suspicious activity to ensure that GoCardless is not facilitating financial crime   The Role Making customer onboarding decisions upon reviewing customer documentation Resolving escalated alerts that result from our PEPs and Sanctions screening process and customer onboarding process Investigating suspicious activity using a wide range of tools, producing suspicious activity reports and submitting to relevant Financial Investigation Units when required Understanding end to end compliance operations processes and delivering improvements to increase efficiency Researching and implementing new tools that allow us to streamline our customer onboarding  experience Identifying opportunities to upskill other team members and proactively sharing knowledge Reporting on team, process and supplier performance on a regular basis You will act as the subject matter expert on compliance matters within the team in order to drive continuous compliance with existing processes and handle complex onboarding cases You will continually look to improve customer experience and team efficiency by challenging our thinking and asking why we do what we do Supporting the MLRO and Compliance Operations Manager on regulatory issues and our approach to upcoming new regulations Delivering training for staff based in the EU This is a full-time role based in our Paris office, although some travel to other European offices may be required The hours for this role are Monday - Friday, 9 -6 (CET) There will an an initial 4-6 weeks of training in our London HQ   What we're looking for You have experience in signing-off high-risk customers within defined parameters and escalating when necessary You have a minimum of 2-3 years of compliance experience and are motivated by resolving escalations coming from junior members of the team You take pride in paying attention to detail and see tasks through to the end You are easily dissatisfied with how things are run - you frequently feel the urge to act when someone tells you “this is how we’ve always done it” You have a tremendous sense of urgency tempered by the ability to keep calm under pressure You must be fluent in French and English (written and verbal) - this is essential for this role Bonus points for other language skills (German or Spanish)   Benefits Generous holiday allowance Private health insurance Generous maternity & paternity leave Training budget for your personal development Transportation allowance and meal coupons Plus many more Our team comes from a variety of backgrounds and we welcome diversity – if you're unsure, please apply.

Help lead the fight against financial crime and innovate the way to achieve this. About GC Since GoCardless was set up in 2011, we have been focused on taking the pain out of getting paid so that our customers can focus on what they do best. We already process over £7bn each year for thousands of businesses, and we are growing fast. We work with a huge range of organisations: small gyms and scout groups use us to reduce admin; fast-growing companies like Funding Circle use us to power their growth; established companies like TripAdvisor use us to dramatically reduce failure rates. We’ve been spending the last year expanding our offering outside of UK and Europe and are now operating 7 different payment schemes (and will be adding the US early next year) and serving merchants in over 30 countries, with offices in Melbourne, Paris, Munich and of course, London (our HQ). We’re backed by some of the world’s leading investors including Balderton Capital, Accel Partners, Notion Capital, Passion Capital and Y Combinator. About the team The Compliance Operations team plays a critical role in GoCardless’ continued expansion. The team: Manages the initial and ongoing verification of customers in over 30 geographies, providing the best possible customer experience Reviews our customers against PEP and sanctions lists, so we’re only working with customers that we should be Coordinates the delivery of AML/CTF training across the company, so everyone in GoCardless makes compliance conscious decisions Identifies and investigating any suspicious activity to ensure that GoCardless is not facilitating financial crime The role Making customer onboarding decisions upon reviewing customer documentation Resolving escalated alerts that result from our PEPs and Sanctions screening process Investigating suspicious activity using a wide range of tools, producing suspicious activity reports and submitting to relevant Financial Investigation Units when required Understanding end to end compliance operations processes and delivering improvements to increase efficiency Researching and implementing new tools that allow us to streamline our customer onboarding experience Identifying opportunities to upskill other team members and proactively sharing knowledge Reporting on team, process and supplier performance on a regular basis You will act as the subject matter expert on compliance matters within the team in order to drive continuous compliance with existing processes and handle complex onboarding cases You will continually look to improve customer experience and team efficiency by challenging our thinking and asking why we do what we do Responsibilities will include reviewing customer documentation to understand complex structures; resolving escalated PEPs and Sanctions alerts and producing/ filing SAR reports What we're looking for You have experience in signing-off high-risk customers within defined parameters and escalating when necessary You have minimum 2 years compliance experience and are motivated by resolving escalations coming from junior members of the team You take pride in paying attention to detail and see tasks through to the end You are easily dissatisfied with how things are run - you frequently feel the urge to act when someone tells you “this is how we’ve always done it” You have a tremendous sense of urgency tempered by the ability to keep calm under pressure Bonus points if you’re fluent in French, Spanish or German Benefits Generous holiday allowance Private health insurance Private pension scheme Flexible working hours Generous maternity & paternity leave Training budget for your personal development Breakfast, drinks and snacks Company lunch every month Volunteer time Yoga, football and basketball Plus many more Our team comes from a variety of backgrounds and we welcome diversity – if you're unsure, please apply.

Help lead the fight against financial crime and give our customers a great onboarding experience.   About us Since GoCardless was set up in 2011, we have been focused on taking the pain out of getting paid so that our customers can focus on what they do best. We already process over £7bn each year for thousands of businesses, and we are growing fast. We work with a huge range of organisations: small gyms and scout groups use us to reduce admin; fast-growing companies like Funding Circle use us to power their growth; established companies like TripAdvisor use us to dramatically reduce failure rates. We’ve been spending the last year expanding our offering outside of UK and Europe and are now operating 7 different payment schemes (and will be adding the US early next year) and serving merchants in over 30 countries, with offices in Melbourne, Paris, Munich and of course, London (our HQ). We’re backed by some of the world’s leading investors including Balderton Capital, Accel Partners, Notion Capital, Passion Capital and Y Combinator.   About the Team The Compliance Operations team plays a critical role in GoCardless’ continued expansion. The team: Manages the initial and ongoing verification of customers in over 30 geographies, providing the best possible customer experience Reviews our customers against PEP and sanctions lists, so we’re only working with customers that we should be Coordinates the delivery of AML/CTF training across the company, so everyone in GoCardless makes compliance conscious decisions Identifies and investigates any suspicious activity to ensure that GoCardless is not facilitating financial crime   The Role  Making customer onboarding decisions upon reviewing customer documentation Reviewing alerts that result from our PEPs and Sanctions screening process Communicating with our customers to guide them through the onboarding process You will continually look to improve customer experience and team efficiency by challenging our thinking and asking why we do what we do Identifying opportunities to upskill other team members and proactively sharing knowledge Conducting Enhanced Due Diligence checks Identifying opportunities to upskill other team members and proactively sharing knowledge   This is a full-time role based in our London office on an initial 12-month contract: During training, hours will be 9:00 - 18:00 Expected hours after training will be 23:00 - 08:00, Sunday to Thursday   What we're looking for You have a minimum of one-year compliance experience working in a similar role You will have had previous experience working during a night shift You must have the ability to work autonomously as this is a remote position You take pride in having strong attention to detail and always see tasks through to completion You are easily dissatisfied with how things are run - you frequently feel the urge to act when someone tells you “this is how we’ve always done it” You have a tremendous sense of urgency tempered by the ability to keep calm under pressure You understand the importance of anti-money laundering and counter-terrorist financing Equally, you’re conscious of the customer experience and explaining our requirements effectively You have flawless written and verbal communication skills and are happy to support customers via email or over the phone Bonus points if you are fluent in French, German or Spanish   Our team comes from a variety of backgrounds and we welcome diversity – if you're unsure, please apply.

Help lead the fight against financial crime and give our customers a great onboarding experience.   About us Since GoCardless was set up in 2011, we have been focused on taking the pain out of getting paid so that our customers can focus on what they do best. We already process over £7bn each year for thousands of businesses, and we are growing fast. We work with a huge range of organisations: small gyms and scout groups use us to reduce admin; fast-growing companies like Funding Circle use us to power their growth; established companies like TripAdvisor use us to dramatically reduce failure rates. We’ve been spending the last year expanding our offering outside of UK and Europe and are now operating 7 different payment schemes (and will be adding the US early next year) and serving merchants in over 30 countries, with offices in Melbourne, Paris, Munich and of course, London (our HQ). We’re backed by some of the world’s leading investors including Balderton Capital, Accel Partners, Notion Capital, Passion Capital and Y Combinator.   About the Team The Compliance Operations team plays a critical role in GoCardless’ continued expansion. The team: Manages the initial and ongoing verification of customers in over 30 geographies, providing the best possible customer experience Reviews our customers against PEP and sanctions lists, so we’re only working with customers that we should be Coordinates the delivery of AML/CTF training across the company, so everyone in GoCardless makes compliance conscious decisions Identifies and investigates any suspicious activity to ensure that GoCardless is not facilitating financial crime   The Role  Making customer onboarding decisions upon reviewing customer documentation Resolving alerts that result from our PEPs and Sanctions screening process Communicating with our customers to guide them through the onboarding process You will continually look to improve customer experience and team efficiency by challenging our thinking and asking why we do what we do This is a full-time role based in our London office: During training, hours will be 9:00 - 18:00 Expected hours after training will be 14:00 - 23:00. However, this is subject to change and this role may require you to work a rota of day and evening shifts (please note we would spread these out so that your shift work is manageable)    What we're looking for You have previous experience working in a customer onboarding team or similar role You take pride in paying attention to detail and see tasks through to the end You naturally take initiative and ask the right questions to help you succeed You are easily dissatisfied with how things are run - you frequently feel the urge to act when someone tells you “this is how we’ve always done it” You have a tremendous sense of urgency tempered by the ability to keep calm under pressure You understand the importance of anti-money laundering and counter-terrorist financing Equally, you’re conscious of the customer experience and explaining our requirements effectively You have flawless written and verbal communication skills and are happy to support customers via email or over the phone You are fluent (written and verbal) in English and French   Our team comes from a variety of backgrounds and we welcome diversity – if you're unsure, please apply.

BANQIA is looking for a Star Intern to join our Sales department and learn everything about the Payment & Crypto currency world We are looking for an eager, smart and hungry individual to join our 6 month full-time internship program. Our teams are growing very fast and the support given by interns is key for the day to day operations and for Banqia´s  growth. A significant part of our staff started as interns, so this could be your chance! The Role By joining BANQIA you will: You will develop high level proposals for our top clients You will coordinate with other departments (sales, marketing, operations, HR...) You will work in a dynamic and demanding environment Learn how to master Powerpoint, Excel and Bloomberg Learn how to analyze and fully understand a company's operations Learn side by side with the Sales team by supporting them in their day to day duties. REQUIREMENTS You The ideal candidate will possess: Relevant Degree in Finance, Economics or Business Administration (any focus on Payments/Crypto & FX will be a plus). Outstanding analytical skills You feel VERY comfortable working with Excel and powerpoint Great Interest in Finance, Forex and Crypto Crurrency Excellent level of English and Spanish. Any other language skill is a plus. BENEFITS About the Job Career opportunities after finishing the internship period. Internships lasts from 4 to 6 months in a full time basis. Start date: ASAP

We’re looking for a pragmatic, collaborative and experienced VP Compliance to ensure we’re not only customer-focussed and innovative, but fully compliant. At Monzo we do things differently: we truly care about providing a phenomenal experience for our customers. We believe there’s a better way to do banking, and we want to be the best possible bank without getting stuck in the old ways of doing things. We need to ensure that we’re building our bank in a compliant manner; we also want to ensure we’re doing what’s ethical, appropriate and fair for our customers - following both the letter and the spirit of all applicable legislation. We’re at the start of our journey to serve a billion customers and we’ve made some good progress. We now have more than 700 staff, one and a half million lovely customers and a full UK banking licence. We need someone to own the strategic direction and leadership for all things compliance. At Monzo we operate a “three lines of defence” model. You’ll join the second line of defence team, reporting directly to our Chief Risk Officer. What you’ll be doing: You’ll own Monzo’s approach to Compliance, instilling a positive, proactive culture towards regulation and legislation across the company You’ll develop and manage our growing Compliance team ensuring everyone has the opportunity to learn and perform at their best You’ll continue to develop a great relationship with our regulators and other 3rd parties, keeping them in the loop with key developments as we scale You’ll form part of the second line leadership team, helping to build a high performing partnership with the rest of the organisation You’ll provide direction and leadership to the MLRO team by leading assurance and monitoring for the second line, focusing predominantly on Compliance You’ll stay up to date with industry developments to ensure we are fully compliant whilst also helping us influence regulatory developments You should apply if: You’ve previously been approved by the FCA for SMF16 and have direct interactions with the FCA and PRA regulators You can interpret PRA and FCA consultations and regulations, and have a strong understanding of the PRA and FCA rulebooks You’re great at providing effective challenge whilst building strong, respectful relationships You’ve built and led compliance teams previously, ideally in a regulated financial services firm You’re comfortable giving oversight and assurance on the prevention of financial crime You are passionate about technology and what we are doing here at Monzo excites you!

At Monzo, we're building a bank that is fair, transparent and delightful to use. We’re growing extremely quickly, with over 1.7 million customers in the UK and over 100,000 new people joining every month. We’re looking for a pragmatic, collaborative and ambitious Technology Risk Analyst to join our second line of defence Risk team. Your role will focus on helping us understand and manage the risks arising from our use of technology. This will include areas such as the way we develop products, use cloud technology, operate our platform, integrate with third parties or respond and recover from incidents. You’ll be a part of a multi-disciplinary team to deliver effective risk management at Monzo and work closely with other risk professionals, as well as teams across the bank. We’re looking for someone who cares deeply about understanding our business, customers and risks and can communicate and drive actions.  You’ll spend your time: Partnering with teams to help develop new products and features by embedding good risk practices Conducting in-depth reviews to assess risks and controls Analysing and improving the resilience of our services and platform Helping implement and operate Monzo’s risk management framework Making risk meaningful and relevant to everyone at Monzo, and sharing best practice in clear easy to understand language Supporting our new risk leadership team and contributing to key high-impact projects Following up on incidents and collaborating with teams to find solutions You should apply if: You are early in your risk career with an appetite to learn You are passionate about technology, and what we are doing here at Monzo excites you! You have experience performing risk and control gap assessments in financial or technology environments You can provide effective challenge whilst building strong, respectful relationships You are hands-on, great at execution, and care about the day-to-day detail You are great at asking incisive questions to pick things up and act on them quickly You are comfortable working in a fast paced environment where the day to day job differs  Logistics : The application process consists of a short phone interview, followed by a task and technical screening, then a couple of on-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to make sure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. We offer a competitive salary plus  stock options and lots of other benefits.

At Monzo, we're building a bank that is fair, transparent and delightful to use. We’re growing extremely quickly, with over 1.8 million customers in the UK and over 100,000 new people joining every month. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals. Internally we have low attrition, high engagement and a strong sense of community that we want to maintain as we scale. We’re looking for ambitious Penetration Testers / Red Teamers to join our security assurance function and help build out our red team capability. Security is a priority for Monzo, and we want our systems, processes, and defensive security team constantly tested against relevant and emerging threats, and our security program focused on addressing real security issues. We don’t want attacks and vulnerabilities to be theoretical, we want to understand if they really work or not against our infrastructure and people, and we want our security teams to be comfortable with responding and remediating realistic attacks. Our goal is to improve our cyber resilience and gain confidence in the effectiveness of our security controls. You'll spend your time: In this role you’ll be working closely with internal stakeholders to deliver the full lifecycle of security and assurance testing.  Emulating relevant threat actors using realistic tactics and tools across technical, physical, and social vectors on multiple systems including mobile, web application, and cloud. Become a specialist in Monzo infrastructure and systems. The superpower of this team will be that they will have intimate knowledge of how our systems and processes work, enabling them to test things which regular pen tests would rarely touch. Maintain an intimate familiarity with the threat landscape and developments in attacker tactics and tools. Design and scope tests, working closely with other teams to understand and mitigate risks whilst ensuring we maintain maximum value from any testing. Deliver red/purple tests, liaising closely with internal security teams and product teams. Work closely with Monzo colleagues to help resolve discovered problems. Develop a strong network of contacts across the sector to share best practice and learn from peers. Build and develop tooling to assist with our work, potentially contributing these to the security community. Help embed a culture of security across Monzo. You should apply if: What we’re doing here at Monzo excites you! You believe in the value that offensive security can bring to improving the security of an organisation, and particularly red/purple teaming. You want to develop effective and pragmatic security solutions. You have an engaging, inventive, and inquisitive personality. You can manage multiple stakeholders and build strong relationships. You’re comfortable working closely with deep technical specialists, whilst also being able to explain complex security issues in simple terms when needed. You’re not interested in breaking something only to prove a point. You own problems and work hard to find pragmatic solutions. Nice to haves Experience in performing red/purple team engagements within financial services, such as CBEST. Incident response training and/or experience. Fluency with the current threats and tactics that the financial sector faces. An understanding of forensics, and specifically its role within threat hunting. Logistics: The application process is different depending on the level of candidate, but will possibly consist of a short phone interview, followed by a task and a couple of on-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to make sure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. We offer a competitive salary plus stock options and lots of other benefits.

We’re looking for a practical, collaborative and experienced internal audit professional to play a critical role in helping Monzo achieve its objectives through oversight of the 2019 internal audit plan delivery and by forming and implementing a strategy for developing our internal audit capabilities, in line with the needs of our rapidly evolving and growing business.   At Monzo, we believe there’s a better way to do banking We really care about providing a phenomenal experience for our customers, and we want to be the best possible bank without getting stuck in the old ways of doing things, or trying to duplicate internal audit frameworks seen in other banks. We’re at the start of our journey to serve a billion customers We’ve made some good progress so far! We now have more than 700 staff, over  1.5 million lovely customers and a full UK banking licence. We have a current account and overdraft, and lots more planned. You’ll be responsible for: You will be responsible for Monzo’s Internal Audit function. There will be two main parts to your role: Ensure that we successfully carry out the planned Audits set out in the Internal Audit plan (and agreed by the Board’s Audit Committee), and that the audits and reviews carried out offer real challenge, insight and oversight of the business. Design and implement the strategy for Internal Audit at Monzo to ensure that the function is able to keep pace with a rapidly growing and evolving business. Day to day you should expect your role to involve: Currently we work with a global Audit firm who leads the majority of our Internal Audit work and a range of smaller, more specialised firms (e.g. penetration testers). Managing these suppliers will be a core part of your role. Reviewing drafts of Internal Audit reports and findings Assisting the teams carrying out audits to identify the correct stakeholders Writing and reviewing Audit scopes to ensure that reviews are addressing the highest risk areas of the business Working with the 1st and 2nd line teams to agree follow-up remediation actions to address findings from Audits Tracking actions through to completion and following up where items are approaching or beyond their due dates Giving informal advice and guidance to internal teams and stakeholders Presenting internal audit documents to the Board's Audit Committee and other governance forums   You should apply if: You have experience leading and developing an internal audit function You’re great at providing effective challenge whilst building strong, respectful relationships You will be dynamic, forward-thinking with a clear focus on business improvement You are hands-on, great at execution, and care about the day-to-day detail. You’re curious, collaborative and great at asking incisive questions You’re comfortable looking at data that is presented in different ways and may not conform to banking norms You’re great at communication with people from all different backgrounds and you can build relationships really easily. You’re passionate about technology, and what we are doing here at Monzo excites you! Logistics The application process consists of: CV and application review Short phone interview Take-home tasks On-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to make sure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. Competitive salary (taking into account experience and any specialism) plus  stock options  and lots of  other benefits .

At Monzo, we want to make money work for everyone. As we grow in customers, product lines and countries, we want are looking for people to help ensure that we are always building to handle scale and are resilient. As a Governance and Resilience Manager, you will identify and manage risks across the company and be a trusted partner to business leads, product managers, engineers and our award winning customer service teams. They will turn to you for guidance on how to ensure we are not only compliant with regulations, but fostering a culture of rigorous thinking and careful controls that distinguish us in both banking and technology. This role would offer you the opportunity to get to know different parts of the business and make you a trusted advisor to our leadership team and our Board. To succeed, you should be able to navigate the regulatory landscape, use data to shape your thinking and collaborate to build something bigger than yourself. You will be asked to weigh in on foundational questions about the sort of company that we grow to become, while meeting’s today’s needs. We'd want you to apply if you are underwhelmed by the status quo of banking and finance today and are interested in bringing your critical mind and grit to creating a better alternative. You should apply if you: Are excited about helping Monzo scale in a compliant, thoughtful and controlled way Would like to immerse yourself in parts of our work that deal with considerable complexity so that we can keep our product simple - e.g. technology infrastructure, lending decision science and customer operations Are able to meet people where they are at and become a bridge between internal teams and represent Monzo before auditors, regulators and our board. Are excited by the challenge of creating a culture of intellectual rigour. Have excellent project management and organisational skills. At least 3 years of relevant experience The following experience would be valued: Work in risk, compliance, regulatory or governance in a financial firm; as an auditor; a regulator or in another highly regulated industry. An understanding of the requirements of SMF roles. Work in a start-up environment or a technology company Setting up policies and procedures and leading on policy reviews and assurance A legal background Above all, we are looking for people that are humble but excited by what we are doing at Monzo.

Who are we? We’re changing the way people send money abroad: we’re taking something complicated and making it simple. At WorldRemit, our people and our technology work together to create faster, easier and lower cost money transfers. We send to more than 145 countries around the world and have over 3 million happy customers – a number that’s growing every day! The mission of the  Compliance Department  is to assist in the implementation and oversight of the compliance functions embedded throughout WorldRemit and to carry out its mission with integrity and in accordance with WorldRemit’s legal, regulatory and ethical responsibilities. With 50 + regulatory jurisdictions and a truly global span, compliance at WorldRemit provides many exciting challenges and opportunities for those in the compliance area.   The role: The role, reporting to the Deputy Regional Head of Compliance APAC, will work in a small team to assist with ensuring compliance with all applicable regulatory obligations and company policies and procedures through the performance of a wide variety of compliance tasks. JOB DESCRIPTION: Due to the rapid expansion of the Company, WorldRemit is looking for a Compliance Analyst to help with the increasing workload.  This is an ideal role for an individual with an interest in Compliance and Anti-money Laundering.  As Compliance Analyst your duties will include but not limited to: Monitor compliance with current compliance policies and procedures. Escalate issues to the Country Compliance Officer with results of research. Monitor public presence of WorldRemit for compliance. Assist in the coordination and support of compliance audits and examinations. Manage the resolution of compliance issues. Providing assistance in training associates on the Company’s compliance policies and procedures. Performing routine daily tasks—reviewing reports, preparing necessary correspondence, and participating in department projects. Carrying out any other tasks as may be requested from time to time. Assist and support the Regulatory Compliance Team with Internal projects, audits, documentations review and collation Assist with any other Compliance related matters or projects as identified and assigned by the Compliance Officer. Scope for providing assistance and support to the APAC WorldRemit branches.   SKILLS AND EXPERIENCE REQUIRED Previous experience in AML/Compliance is required and the candidate should have a good understanding of the financial services environment (including remittance business) and the associated regulations. Have a professional manner and excellent communication skills. Have a logical working style and a high attention to detail. Have an ambitious nature with a drive to progress in their career. Have the ability to work with confidential and sensitive information in a trustworthy and professional manner. Be able to work under pressure, handle conflicting demands, and identify priorities. Analytical skills and strong attention to detail Ability to multitask and manage multiple deadlines Excellent written and verbal communication skills.

Who are we? We’re changing the way people send money abroad: we’re taking something complicated and making it simple. At WorldRemit, our people and our technology work together to create faster, easier and lower cost money transfers. We send to more than 145 countries around the world and have over 3 million happy customers – a number that’s growing every day! The mission of the  Compliance Department  is to assist in the implementation and oversight of the compliance functions embedded throughout WorldRemit and to carry out its mission with integrity and in accordance with WorldRemit’s legal, regulatory and ethical responsibilities. With 50 + regulatory jurisdictions and a truly global span, compliance at WorldRemit provides many exciting challenges and opportunities for those in the compliance area. The role: Due to the rapid expansion of the Company, WorldRemit is looking for a AML Analyst to help with the increasing workload.  This is an ideal role for an individual with an interest in Compliance and Anti-money Laundering.   As an AML Analyst your duties will include but not limited to: Assist and coordinate Customer Account reviews and Quality Assurance Monitoring of initial and on-going Know Your Customers (KYC) requirements. Providing AML Compliance advice and clarifications to the business as required. Monitor compliance with current compliance policies and procedures. Escalate issues to the Country Compliance Officer with results of research. Assist in the coordination and support of compliance audits and examinations. Manage the resolution of compliance issues. Providing assistance in training associates on the Company’s compliance policies and procedures. Performing routine daily tasks—reviewing reports, preparing necessary correspondence, and participating in department projects. Providing AML Compliance advice and clarifications to the business as required. Attending to escalations of Sanction Screenings and matches by the WR Support office. Escalating any suspicious activity/concerns to the Compliance Officer. Assist with any other Compliance related matters or projects as identified and assigned by the Compliance Officer. Scope for providing assistance and support to the APAC WorldRemit branches.   SKILLS AND EXPERIENCE REQUIRED Previous experience in AML/Compliance is required and the candidate should have a good understanding of the financial services environment (including remittance business) and the associated regulations. Have a professional manner and excellent communication skills. Have a logical working style and a high attention to detail. Have an ambitious nature with a drive to progress in their career. Have the ability to work with confidential and sensitive information in a trustworthy and professional manner. Be able to work under pressure, handle conflicting demands, and identify priorities. Analytical skills and strong attention to detail Ability to multitask and manage multiple deadlines Excellent written and verbal communication skills.

POSITION:   Canadian AML / Compliance Officer REPORTING TO:  Regional Head of Compliance – North America This role is responsible for the management of maintaining and applying regulatory compliance, recordkeeping, compliance and program monitoring, and analytical functions involved with the Proceeds of Crime (Money Laundering) & Terrorist Financing Act (PCMLTFA), Canadian Economic Sanctions, and Canadian financial services compliance regimes. This role will be the stated PCMLTFA Compliance Officer. The main duties include: Day to day management of PCMLTFA and Canadian Economic Sanctions regimes: Conducting ad-hoc and annual Risk Assessments; Assuring appropriate officer coverage and business continuity; Maintaining AML records; Reviewing transactions and identifying activities that suggest potential money laundering or other suspicious activity; Filing required reports with FINTRAC; Exam and Audit oversight; Manage the resolution of outstanding issues identified in Exams and Audits; Maintain MSB registrations; Manage Client Identification Program; and Report to Executive Management on the status of the regime. Responsible for the overall health and maturity of the PCMLTFA & AML regime Day to day management of Canadian Financial Services Compliance Regimes: Conducting ad-hoc and annual Risk Assessments; Maintaining Compliance records; Filing required reports; Exam and Audit oversight; and Manage the resolution of outstanding issues identified in Exams and Audits. Assure compliance with country laws, regulations, and Company policies and procedures. Manage Compliance Management System (CMS), internal audits and consultations; Update and maintain the CMS and its derivative programs; CMS consulting; CMS monitoring and testing; Externally sourced audits as appropriate. Produce periodic management reports. Make recommendations to management about cases regarding or impacting reputational risk. Carrying out any other tasks as may be requested from time to time. Manage onsite and offsite staff. Member of the Canadian jurisdictional Compliance & AML Committees and Chair meetings. Requirements: Thorough understanding of PCMLTFA. Understanding the risk of non-compliance. Experience recommending process or program improvements to comply with regulations Team player; adaptable in a fast-paced and changing environment. Ability to manage daily processes High attention to detail. Have a sense of urgency necessary to ensure customer transactions are reviewed promptly. Experience in managing a Compliance Management System and familiar with COSO three lines of defence Experience in managing a Quality Assurance program Outstanding customer service skills. Ability to dive into the details and develop greater understand how customer electronic footprint is used in the transaction monitoring and decision matrices. Highly disciplined, self-motivated, and delivery focused. Excellent communication skills both verbal and written. Excellent time management skills – Be able to organize and meet daily, monthly, quarterly and annual deadlines for multiple licenses / regulatory request. Must be able to balance extreme pressure and deadlines with constantly changing priorities. University degree or equivalent experience. Proficient in MS Office (Access, Excel, Word, PowerPoint and Visio). Ability to travel internationally up to 10% of the time. Desired Skills: Bi lingual (English & French) Compliance related certifications such as CAMS or CRCM. Experience as a Regulator a plus

We are looking for an  AML Analyst  to join the  Compliance Team . The successful candidate will be responsible for the analytical functions involved with the daily monitoring of the activities related to Anti Money Laundering (AML) and Counter Terrorist Financing (CTF) compliance programs. Assist management with ensuring compliance with regulations, company policies and procedures through review of high risk reports; monitoring and reviewing data produced by the system to determine if transactions warrant further review; identifying potential higher risk relationships; and remaining current on compliance matters as they relate to AML, Sanctions, CIP, and Due Diligence. The main duties include:   Monitoring of initial and on-going Know Your Customers (KYC) requirements. Auditing/Analysis of customer activities. Escalating any suspicious activity/concerns to compliance management. . Assist with any other Compliance related matters or projects as identified and assigned by compliance management. Conducting suspicious activity and reputational risk investigations as warranted. Carrying out any other tasks as may be requested from time to time. Requirements: Bachelor’s degree in Banking, Finance, Accounting or equivalent course 1-2 years relevant work experience in a financial institution handling financial fraud, financial accounting, compliance, card verification. Team player adaptable to fast-paced and changing environment. Ability to manage tight processes, with accuracy and attention to detail. Highly disciplined person, self-motivated, and delivery focused. Excellent communication skills both verbal and written. Strong organizational skills Proficient in MS Office (Access, Excel, Word, PowerPoint and Visio).