Senior Financial Crime Officer

Senior Financial Crime Officer

London

Hybrid / office-based: 3 in office, 2 from home.

About Us

We are an energetic and collaborative MLRO team operating in a fast-paced environment, where no two days are the same, handling a wide range of cases and queries submitted by all departments while ensuring we consistently meet our regulatory obligations. As the business continues to grow, we are expanding the team to support increasing volumes of escalations, working closely with colleagues across different 3S Money jurisdictions. This role requires strong attention to detail, a proactive mindset, and confidence in communicating with stakeholders at all levels. As a Senior Financial Crime Officer, you will support the MLRO team with financial crime investigations, assist in preparing and submitting SARs, and contribute to wider compliance activities, alongside managing ad hoc tasks as required.

Our mission

3S Money is reinventing international business payments. Founded in 2018, our mission is to help growing businesses to send, receive and exchange money in over 190 countries. With offices in five countries and over 200 employees, you'll be joining a high-energy, high-impact team that's achieved profitability and has a wealth of opportunity ahead.

Our culture

At 3S Money, we believe in caring personally, staying curious and making an impact through collaboration not competition. Our culture is genuinely transparent with minimal hierarchy and a commitment to each employee's professional growth.

Key Responsibilities

• Review TM, AML, Sanctions, Fraud, KYC/Onboarding escalations;
• Conduct investigations related to AML, Sanctions and Fraud;
• Submitting SARs/DAML SARs and OFSI reports;
• Conduct reviews and analysis of sanctions, PEPs, and adverse media, implementing appropriate follow-up actions;
• Provide guidance and advice to various internal business departments;
• Support the MLRO regarding internal and external inquiries and concerns including liaison with Law Enforcement, OFSI and others;
• Delivery training for new MLRO team joiners;
• Participating in Risk management activities, including in Committees;
• Policy, Guidance, Procedures, Operational Manual maintenance;
• Associated function administration (inbox management, log updates, etc.);
• Contribute to the development and implementation of new projects and initiatives.

About You

• Demonstrable experience within the financial industry with PSP/EMI/Fintech experience being a strong preference.
• Have intimate and thorough knowledge of the UK regulatory environment, key financial crime regimes, including international sanctions regimes with an interest for sharing these through training and support of other business units.
• Proven track record of leading complex financial crime investigations and producing high quality, well-articulated SARs.
• Are a fast and strategic thinker, resourceful and deliver on time; with the ability to work independently as a leader in the Regulatory Compliance team.
• Strong experience with record-keeping and decision-making.
• Great written & verbal communication skills to share your knowledge across the business at all levels.
• Relevant professional qualifications from an internationally recognised body (e.g., ICA, ACAMS); a relevant bachelor's degree is advantageous.

In return for your hard work

Competitive Salary + plus stock options (after 12 months) & benefits

Hybrid working setup in our wonderful city-centre office

We foster non-BAU projects in our team, we want you to explore new avenues and expand your expertise to benefit your professional pathway & our teams.

And much, much more .

Our commitment to you - We are an equal opportunities employer.

We make recruiting decisions based on your experience, skills and personality. Our passion and focus will always be to work with the best people. We're creating services for everyone, so it's imperative we work with everyone. Our diverse team has been the foundation to our success in building more efficient products, making better decisions and establishing an all-inclusive place to work. Applicants of all backgrounds are hugely encouraged to apply and discover the 3S way.