FinCrime Analyst (AML/CTF)

About Revolut

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 65+ million customers get more from their money every day.

As we continue our lightning-fast growth,‌ 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work™. So far, we have 10,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

Our Financial Crime team blends regulatory expertise with data-driven thinking to make sure our products meet legal and policy requirements and deliver real value to customers. In a fast-moving, digital environment, they stay one step ahead by finding smart, scalable ways to prevent financial crime.

We're looking for a Financial Crime Analyst to manage our enhanced due diligence processes. You'll analyse complex financial crime cases, manage risks, and make independent decisions that impact Revolut’s risk profile.

To support our 24/7 coverage, this role may include night and weekend shifts, which are fully compensated.

Up to shape what's next in finance? Let's get in touch.

What you'll be doing

• Holistic Case Management: performing complex, end-to-end investigations into customer activity, utilizing transaction monitoring systems to identify "red flag" patterns such as structuring, layering, and unusual cross-border flows.
• Risk Evaluation & Intelligence: conducting deep-dive research using Open-Source Intelligence (OSINT) and adverse media tools to assess the reputational and financial crime risk associated with high-risk individuals and corporate entities.
• Financial Forensic Analysis: validating the legitimacy of wealth and fund origins by analyzing documentation, to ensure they align with the customer’s known profile.
• Regulatory Reporting: drafting high-quality Suspicious Activity Reports (SARs) or Suspicious Transaction Reports (STRs) for submission to law enforcement and regulatory bodies, ensuring all findings are documented with legal defensibility.
• Strategic Risk Advisory: providing guidance on high-risk on-boarding decisions and recommend the termination of client relationships (exits) when activity falls outside the firm’s risk appetite.
• Process Optimization: Contributing to the calibration of monitoring rules and threshold settings to reduce "false positives" while ensuring the detection of evolving criminal typologies.

What you'll need

• Minimum of a bachelor's degree or equivalent.
• Minimum of C1 level, or equivalent, English language.
• Must have 2 years of previous fincrime experience or 1 year of previous Fincrime experience in AML, FIU or similar complex investigation fields, where risk based approach is used.
• Understanding of financial crime red flags and typologies, and how to identify them.
• Experience redacting and submitting suspicious activity reports.
• Experience with investigative methodologies evidenced with previous experience of having used analytical tools (e.g. spreadsheets, filters, pivots, network charts).
• Able to work a variety of shift patterns, including nights and weekends.
• Critical thinking and attention to detail.
• The ability to multitask, prioritise and work well under pressure.

Nice to have

• A Law or STEM related degree or professional certification (e.g. ICA or ACAMS).
• Fluency in additional European languages.

Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.

Important notice for candidates:

Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.

• Only apply through official Revolut channels. We don’t use any third-party services or platforms for our recruitment.

• Always double-check the emails you receive. Make sure all communications are being done through official Revolut emails, with an @revolut.com domain.

We won't ask for payment or personal financial information during the hiring process. If anyone does ask you for this, it’s a scam. Report it immediately.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice