AML Officer (Maternity Cover)

payabl. empowers businesses to grow through payments innovation and banking services. Our Compliance team plays a critical role in protecting payabl., our customers, and our partners from financial crime while enabling the business to grow safely within a regulated environment. As an AML Officer, you will support the UK entity across a broad range of AML and financial crime activities, including client onboarding, AML investigations, transaction monitoring escalations, sanctions screening, SAR preparation, periodic reviews, and AML process and procedure management. This is a maternity cover position where you will be expected to work independently and take ownership of day-to-day AML activities.

Responsibilities

Conduct and review client and merchant onboarding activities, including KYC, CDD, and EDD assessments.; Assess customer risk profiles, business activities, ownership structures, jurisdictions, source of funds/wealth, and other relevant AML risk factors.; Conduct medium-level AML and financial crime investigations and manage escalations from Transaction Monitoring, Risk teams, and banking partners.; Review transaction activity and customer behaviour to identify unusual patterns, red flags, and potential financial crime risks.; Conduct and support sanctions screening and related investigations.; Prepare and draft Suspicious Activity Reports (SARs/STRs) for escalation to the MLRO and submission to the relevant authorities where appropriate.; Conduct periodic and annual AML reviews and update customer risk assessments where required.; Take ownership of existing AML procedures and ensure they are effectively implemented and maintained.; Identify gaps and opportunities to improve AML processes, controls, and procedures.; Support the development and implementation of AML procedures for new products and business activities.; Apply UK AML/CTF requirements and FCA expectations to day-to-day AML activities.; Provide guidance to relevant stakeholders on customers, transactions, and activities presenting AML or financial crime risks.; Maintain accurate and confidential customer and AML records.; Escalate material findings, risks, and potential regulatory concerns to the Head of Compliance & MLRO UK.; Work closely with Compliance, CDD, Onboarding, Risk, Transaction Monitoring, banking partners, and other relevant stakeholders.; Stay informed about regulatory developments and evolving financial crime risks and adapt processes where required.

Requirements

5+ years of relevant AML / Financial Crime experience within financial services.; Proven hands-on experience across multiple AML activities, including KYC/CDD/EDD, client onboarding, AML investigations, transaction monitoring, sanctions screening, and SAR/STR preparation.; Previous experience working within a UK AML and FCA-regulated environment.; Strong experience conducting client or merchant onboarding reviews and assessing AML and financial crime risks.; Experience handling AML investigations and escalations, with the ability to assess cases using a risk-based approach rather than relying solely on predefined procedures.; Experience preparing or drafting SARs/STRs and understanding the appropriate escalation process.; Experience maintaining, structuring, or improving AML processes and procedures.; Ability to work independently, take ownership of cases, and make sound decisions with limited day-to-day supervision.; Strong understanding of AML/CTF principles, financial crime risks, and UK regulatory expectations.; Analytical mindset with strong attention to detail and the ability to identify inconsistencies and investigate beyond the initial information provided.; Strong written and verbal communication skills in English.; High level of professional integrity, ethical judgement, and confidentiality.; Comfortable working in a fast-paced, regulated, and continuously evolving environment.

Nice to have

Experience within Payments, E-money, EMI, Fintech, PSP, or other regulated financial-services environments.; Experience with acquiring, merchant services, or payment processing.; Experience working with AML, sanctions, or transaction monitoring technology platforms such as ComplyAdvantage, LexisNexis, or similar.; AML certification such as ACAMS, ICA, or equivalent, or a commitment to obtain certification.; Experience supporting AML requirements, procedures, or controls for new products or business activities.

Benefits

Max Out Your Downtime: 25 days of vacation + public holidays + 10 days of sick leave.; Grow with Us: Annual Learning Budget for professional development (eligible after probation)—because your growth is our growth.; Dine Your Way: Savour convenience with a £150 monthly Uber Eats credit—your favourite meals, delivered right to you.; Commute in Comfort: After successfully completing your probation, enjoy an extra £150 per month transportation allowance, added to your salary to make your commute smoother.; Celebrate Together: We bring colleagues from all offices together for unforgettable company celebrations.; Global Collaboration & Events: Opportunities to participate in international company events and initiatives, connecting with colleagues from all regions and contributing to a truly global community.; Enhanced Family Leave: 26 weeks’ maternity leave at full pay plus 13 weeks at statutory pay, and 2 weeks’ paternity leave at full pay, provided that you have been employed with us for a minimum of one year.