Screening and Escalations Senior Payment Analyst

Trust unlocks our greatest potential.

For decades, the clearing of payments remained unchanged and unchallenged. We asked, what if there was a better way? What if we could make banking infrastructure faster, safer, more reliable, and easier to access for all? Here is where you can think radically and responsibly to find the best solution.

What happens when you know you’re inherently trusted? Trust creates safety. Safety encourages you to be brave, to challenge, to fail, to try new things and to execute. At ClearBank everything revolves around trust. We’re not expected to earn it, but we are expected not to break it. We’re trusted to own it. To solve issues in the moment. To know a good risk when we see one, and the judgement to know that ‘can’ doesn’t always mean you ‘should’.

What you can expect:

ClearBank is a place where you can do things differently and challenge the status quo. We will give you a high level of autonomy and transparency, and we trust you to make the right decisions for the bank.

If that excites you, how about joining our 1st line Financial Crime Operations team as a Screening and Escalations Senior Payment Analyst? Reporting into the Senior Manager, FCO Screening & Escalations you will be responsible for the oversight and investigation system-generated payment screening alerts. You’ll act as a subject matter expert for payment screening across our client base. You’ll also have an excellent understanding of financial crime typologies and detection methods and share this knowledge with Analysts within the team.

This role is critical in ensuring our compliance with anti-money laundering (AML) regulations and protecting the integrity of our financial systems. You’ll be raising concerns and providing ideas, engaging with clients, and making informed decisions with your sound knowledge of payment services; excellent technical and regulatory knowledge across financial crime and sanctions within the UK and EEA, including reporting requirements, and you’ll have a firm understanding of how to identify and mitigate risks within a business.

Your role includes:

Analysing and investigating system-generated alerts related to payment screening. You will use existing information or request information from clients and 3rd parties to support discounting of the alert.

Analysing transactions to identify suspicious activities and potential money laundering risks

Assessing internal and external intelligence to identify financial crime risk and escalate as appropriate. Where relevant you will raise internal Suspicious Activity Reports (iSARs)

Ensuring all investigations and processes comply with relevant AML laws and regulations

Acting as a first point of escalation for Payment Screening Analysts

Managing escalations and senior management conversations in both first and second lines of defence

Allocating tasks, assisting in oversight and prioritisation to ensure any deadlines are met

Staying up to date on the latest AML trends, emerging typologies and best practices to enhance the effectiveness of our screening systems

Maintaining detailed records of investigations and ensuring timely resolution of cases

Following ClearBank procedures & standards, raising and escalating relevant reports where required to ensure compliance with relevant AML laws and regulation

What you’ll bring:

To excel in this role, you’ll also need:

Solid and demonstrated experience in AML, financial crime investigations, or a related field

Strong knowledge across all forms of sanctions typologies e.g. Trade Sanctions, dual use goods, Personal and Professional enablers, payments involving complex structures

Good knowledge of sectors such as money remittance, electronic money, and cryptocurrency firms would be beneficial

Strong analytical and problem-solving skills with the ability to interpret complex data

High level of accuracy and attention to detail in all tasks

Excellent written and verbal communication skills, with the ability to communicate and negotiate with key/senior stakeholders

Familiarity with screening and monitoring software/tools, and proficiency in Microsoft Office Suite.

Strong knowledge of money laundering typologies and experience in dealing with sanctions, complex business models, PEPs, red flags and suspicious activity investigation, bribery and corruption cases involving restricted jurisdictions

In-depth knowledge of AML regulations and guidelines

Strong ethical standards and integrity in handling sensitive information

Ability to work effectively both independently and as part of a team

A recognised AML / Sanctions / Fraud qualification is desirable but not essential

Regretfully we are not able to sponsor applicants for immigration purposes at the current time.

What makes a great ClearBank team member? Does this sound like you?

You focus on solutions and positive outcomes, thinking radically and responsibly to find the best result for our customers, your colleagues and the bank;

You actively seek feedback from others to drive your growth and development, always assuming positive intent from others and develop strong, trusting relationships you’re your colleagues and customers: you really, genuinely care;

You always strive for the highest quality, but you know that done is better than perfect; you welcome a challenge knowing that they learn as you go and iterate;

‘I’ before ’we’, isn’t in your vocabulary

If this sounds like you then we encourage you to dust off that CV and apply!

What we offer in return:

We're flexible – We support a culture of flexibility which allows our employees to achieve a strong work-life balance.

Offices – Work in a way that works for you – whether that’s in the London office, at home, or hybrid.

Holiday – 27 days of annual leave per year, plus bank holidays.

Holiday buy/sell - Buy or sell up to five days of annual leave each year and shape your year around what matters most.

Work abroad – You have the flexibility to work outside of the UK for up to 30 days in a rolling 12-month period.

Socials – Regular social events open to all.

Holiday swap – Option to swap your bank holidays to any other day of your choice.

Wellbeing – 24/7 employee assistance programme including mental health support, life assurance and income protection.

Bigger than ClearBank – Take a couple of days per year to do something that matters to you.

Healthy living – Private healthcare and discounted dental cover, with employee perks and discounts.

Family – Enhanced family-friendly leave.

Personal development – We offer personal development budgets, opportunities to take part in role-related training and unlimited LinkedIn Learning.

And not forgetting the biggest benefit of all. The opportunity to be part of an incredible team that’s building a tech-bank fit for the future.

A little bit more about us!

ClearBank is Where You Can belong:

At ClearBank we think about Diversity, Equity and Inclusion (DE&I) a lot. Not because we think we should. But because we know we should – how else can we build a happy workforce and be successful as a business. We’re committed to making sure our teams reflect society. And we put energy and effort into making this a place where everyone feels at home, where they’re given the trust and encouragement to do their very best work. Here are some of the things we’re most proud of:

42% of our senior management roles are held by women

Our enhanced family leave policies

Launching our partnership with Code First Girls

Increasing awareness of neurodiversity in the workplace through our partnership with the Inclusive Group

Our hiring process and what you can expect:

Application: a member of our talent acquisition team will review your application against the key requirements for the role and let you know within two weeks whether you’re moving forward to the next stage;

Screening: You’ll spend 30-45 minutes sp