AML&E Operations Analyst III (12 m FTC)

About the role

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 team The Anti Money Laundering and Escalations Operations (AML&E) team is a part of the wider Shared Services team here at GoCardless where we have two key areas of focus: Merchant onboarding. We work closely with our merchants during onboarding, to seamlessly guide them through the process and ensure that our local and global KYC (Know your Customer) requirements are met. Stopping bad actors. We really care about our regulatory and moral obligation to prevent money laundering and terrorist financing, we want to ensure that we're catching those that we believe are misusing the GoCardless platform. We care about customer experience, speed and quality. We have challenging KPIs that we work hard to deliver against, and growing markets to serve as GoCardless expands across the globe. The role will be based out of our Riga office (with a hybrid approach to work) Hours will be from 9.00 am - 06.00 pm (Mon - Fri), including public holidays Fluency in additional European languages is advantageous Key responsibilities will include: Conducting EDD and risk assessments on higher-risk customers in specific verticals (e.g. Financial Services) prior to onboarding, to ensure alignment with our Risk Appetite. Responsibility for ongoing EDD for our high risk client base, alongside delivering end to end KYC reviews on GoCardless customers in line with our CDD framework Reviewing and adjudicating on Adverse Media, PEPs and Sanctions screening escalations Managing stakeholder relationships and working closely with Sales and Customer Success to ensure account verification is seamless and bottlenecks are quickly resolved Supporting customers through various channels ensuring delivery of a world-class onboarding experience Supporting commercial teams with deals that may require more bespoke solutions and providing training where necessary You'll act as a point of escalation for KYC colleagues, using your AML expertise and risk awareness to create solutions to support merchant onboarding

Requirements

• An AML specialist with a strong understanding of global AML/CFT laws and regulations
• You can clearly explain AML compliance and related risks, develop sound mitigation strategies and find solutions
• You have demonstrable compliance experience working in a similar role where you've had exposure to onboarding complex group structures and a variety of entity types across multiple geographies, with a specialist focus on France
• You are familiar with preparing risk assessments that look at business models, products, AML/CTF and reputational considerations
• An understanding of risk frameworks and a risk mindset to identify and evaluate risks across GoCardless
• You're curious and need to understand how everything fits together. If someone can't tell you the answer, you'll find a way to figure it out
• You're a self-starter. You go and find things to improve and don't need to wait to be given challenges
• You can manage multiple priorities at the same time and thrive in an environment where you'll need to switch your focus quickly
• You have flawless written and verbal communication skills (English) and are happy to support customers via email or over the phone
• You're comfortable working with internal stakeholders at all levels, upholding our core compliance requirements with a problem-solving approach
• Base salary range: €23,200 - €34,800
• (some of) The good stuff
• Wellbeing - stay healthy

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