Senior Financial Crime Analyst

Benefits of working at Together26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidaysFree access to company holiday homesBuy & sell holidaysDiscretionary annual bonus plus an additional Shared Reward BonusMatched pension contributionHealth cash plan plus Private medical insuranceLife assurance and Critical illness coverTravel season ticket loans and Ride to work schemeFree local gym accessLocal bar / restaurant discounts–––––––––––––Company Description We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.  As a Senior Financial Crime Analyst you will be responsible for protecting the Group against the threat of financial crime by supporting the MLRO and Financial Crime function to establish and maintain a robust Financial Crime Prevention Framework and to ensure appropriate controls are in place and operate effectively to mitigate the Group’s Risk exposure.As a Senior Financial Crime Analyst we are looking for someone to: Independently investigate complex Suspicious Activity Reports (SARs) including in relation to allegations of fraud and money laundering. Determine whether external reporting is required and recommend a course of action to the Deputy MLRO/MLRO and, where appropriate, business areas.Conduct external disclosures to the National Crime Agency including cases where a Defence Against Money Laundering is required.Perform external filings to Cifas where appropriate following conclusion of fraud investigations.Support the Deputy MLRO and Financial Crime Officers in complex fraud cases, including IFL cases that relate to the Group’s introducers and brokers.Perform prompt and robust reviews of high risk customers and identify where further action is needed, for instance an adjustment in risk level, further due diligence or more stringent account controls.Support Financial Crime Analysts by providing advice and guidance where requiredComplete pre-accreditation checks on new business intermediaries.Perform accurate and timely due diligence checks on suppliers.Investigate PEP, sanction and adverse media alerts on behalf of the business.  Make recommendations on actions to be undertaken including enhanced due diligence checks or the declining of business.Provide ad-hoc tailored Financial Crime advice to the business and complete reviews of business queries in line with departmental SLAs. This includes queries relating to shareholder checks, foreign nationals, offshore companies and other CCD queries.Conduct thorough on-boarding and ongoing customer due dil...