Join to apply for the Senior Onboarding Analyst role at Equals Money
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About Us
Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money.
About Us
Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money.
As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We’re doing this by hiring exceptional people and are now looking for an Senior Onboarding Analyst to join our team.
Within our offices in London, Chester, Los Angeles and Europe, Equals comprises of three business lines and brands - Equals Money, FairFX and CardOneMoney. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers.
About The Role
As a Senior Onboarding Analyst at Equals Group, you will be responsible for conducting Enhanced Due Diligence (EDD) on high-risk clients and performing detailed onboarding reviews You will play a pivotal role in assessing potential risks, ensuring compliance with AML regulations and the firm’s risk appetite Working closely with the Team Leader and Compliance team, you will handle escalations, mentor junior analysts, and contribute to process improvements This role requires strong analytical skills, attention to detail, and the ability to communicate findings to senior stakeholders effectively.
About You
We believe that certain skills are essential in order to be successful in this role and these are detailed below You may not have all the other skills we have outlined as desirable, we understand that and will still welcome your application We will carry out individual interviews for shortlisted candidates and assess who is best suited for the role after we have discussed everything with you.
Responsibilities
* Conduct Enhanced Due Diligence (EDD) on high-risk customers to assess potential risks and compliance requirements
* Perform detailed customer reviews, including verification of corporate structures and Ultimate Beneficial Owners (UBOs)
* Verify and validate the accuracy of customer data, ensuring compliance with CDD and EDD requirements
* Conduct sanctions, PEP, and adverse media screening to identify potential risks
* Investigate and escalate red flags, inconsistencies, or potential risks to the Team Leader or Compliance team
* Maintain accurate and up-to-date records of all onboarding reviews conducted, including detailed notes and audit trails
* Collaborate with Financial Crime, Compliance, and Relationship Management teams to resolve review-related issues
* Ensure compliance with internal policies, AML, KYC, and other regulatory requirements
* Support the implementation of process improvements to enhance the efficiency and effectiveness of the onboarding function
* Mentor and support onboarding analysts in risk assessments and reviews
Essential Skills
* Strong analytical and problem-solving skills, with the ability to conduct detailed risk assessments and identify potential risks
* In-depth knowledge of KYC, AML, CDD, and EDD requirements, including regulatory compliance standards
* Proficiency in using onboarding systems, compliance platforms, and risk assessment tools
* Excellent communication skills, with the ability to explain risk findings clearly and concisely to stakeholders
* High-level accuracy in documentation, ensuring clear and comprehensive audit trails
* Ability to manage complex cases with minimal supervision, escalating high-risk cases appropriately
* Strong attention to detail with a proactive approach to identifying and mitigating compliance risks
* Collaborative skills to work effectively with cross-functional teams, including Compliance and Risk
* Commitment to continuous learning and staying up to date with regulatory changes and industry best practices
Preferred Qualifications
* Bachelor’s degree in Finance, Business, or related field
* 3+ years of experience in onboarding, CDD, or AML within financial services
* Certification in AML/KYC (eg, ICA, ACAMS) is highly desirable
* Experience with onboarding and compliance management systems
Benefits
* A competitive salary benchmarked against a peer group.
* 25 days holiday per year + your birthday off
* Opportunities for progression, development and learning new skills - £250 towards the cost of learning & development.
* Free onsite Nuffield Health gym & pool (London) and discounted gym membership elsewhere
* GetActive with Aviva - Health and Wellbeing discounts on services and products
* Interbank currency rates on travel money and international transfers.
* Bupa Private Healthcare
* Free Eye Test and £50 up to the cost of glasses
* EAP Service - Mental Health Services
* Life Assurance Policy - x3 annual salary
* Contributory pension scheme
* Cycle to Work Scheme
* Season Ticket Loans
* Enhanced Parental Policies
* Complimentary tea, coffee, soft drinks and fruit
* We operate a hybrid working arrangement where possible
Working Arrangements
Where possible, we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding.
Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.
Seniority level
* Seniority level
Not Applicable
Employment type
* Employment type
Full-time
Job function
* Job function
Finance
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