AML/KYC Operations Specialist

Raisin is the world's leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing . Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team The UK AML Team is currently made up of 8 members, located across Manchester, Berlin & Hamburg. We protect the business and our customers by preventing financial crime. We carry out AML checks, monitor customer activity, investigate potential risks, and ensure we meet UK regulatory requirements. You’ll work closely with teams across the business to identify and escalate issues, helping to maintain a safe and trusted financial platform. Your Responsibilities As a 1st Line AML / KYC Analyst, you will be responsible for conducting customer due diligence (CDD), enhanced due diligence (EDD), and transaction monitoring activities to ensure the Bank's compliance with anti-money laundering (AML) and Know Your Customer (KYC) regulations. You’ll play a critical role in identifying and mitigating financial crime risk at the frontline of customer interaction. Conduct AML/KYC reviews on new and existing customers in line with internal policies and regulatory requirements. Collect and verify customer documentation (e.g., ID, proof of address, source of funds/wealth). Perform screening and background checks using internal systems and third-party tools. Investigate alerts from transaction monitoring systems, escalating suspicious activity as appropriate. Liaise with customers and internal teams to obtain missing information or resolve KYC issues. Contribute to the overall continuous improvement and development of the AML/KYC Operations Team by supporting the implementation of internal controls, process improvements and documentation updates. Assist in the preparation of internal reports and MI relating to Financial Crime and AML. Stay current on AML/CTF legislation, typologies, and regulatory expectations. Your Profile 3+ years' experience in a KYC, AML, or compliance role within a financial institution (preferably experience retail banking or wealth management). Working knowledge of the UK regulatory environment, including the Money Laundering Regulations, JMLSG Guidance, and FCA Handbook. Familiarity with screening and case management tools e.g. LexisNexis, ComplyAdvantage, Dow Jones. Team player with a proactive attitude and ethical mindset. Strong attention to detail and investigative mindset. Good written and verbal communication skills. Ability to work under pressure and manage workload in line with SLAs. Experience in using open-source intelligence to identify any relevant adverse media on our customers and partners. Strong communication skills including the ability to forge new connections with existing stakeholders and escalate risks diligently in line with agreed processes. Keen eye for detail and problem solving with an investigative mind and the desire to find solutions to problems independently and quickly using a risk based approach and by applying a consistent and defensible rationale in line with relevant legislation set, committed to continuous improvement and excellence in AML operations. Join our mission, join our team – and grow with us! At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities. As part of our team, you will benefit from Employee Development Budget of £1,700 and 4 full training days per year. Always hungry? Breakfast, snacks, daily fresh fruit and drinks are at your disposal around the clock. We are hybrid working, we are in the office twice a week, giving the team the opportunity to collaborate and spend time together. Wednesday is our core day in the office. We offer 28 days + Bank Holidays of holiday a year. One day birthday leave and gift voucher to celebrate your birthday. We offer you a company stakeholder pension with a minimum employer contribution of 5%. The opportunity to experience our annual retreats in exciting European cities and other team building events. Raisin Applicant Privacy Policy We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply. We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.