London, England, United Kingdom
- Lead TrueLayer’s fraud function, managing the firms compliance with APP reimbursement rules, merchant fraud monitoring, and strategy. - Manage and develop the Financial Crime team, ensuring effective coverage across fraud, AML, and sanctions risks. - Monitor and manage fraud levels across TrueLayer’s underlying merchants, collaborating with clients to implement controls. - Lead and oversee complex AML investigations, including high-risk customer reviews and transaction monitoring escalations. - Draft internal financial crime policies and procedures, covering fraud, AML, sanctions, and suspicious activity reporting. - Act as a primary advisor to the MLRO, overseeing the SARs reporting lifecycle and representing the firm in high-stakes engagements with law enforcement (LEA), regulators, and banking partners. - Oversee the SAR reporting process and liaise with law enforcement and regulatory bodies on escalated cases.
-Led end-to-end reviews of high-risk Santander customers as part of an internal remediation project. - Managed reviews for PEPs, SIPs, HNW individuals, and customers linked to high-risk jurisdictions. -Conducted transaction monitoring, adverse media screening, and SOF/SOW investigations using open-source intelligence and customer outreach. - Provided risk-based recommendations to maintain, adjust, or exit client relationships based on findings.
- Conducted EDD on high-risk customers, assessing SOF through open-source intelligence and customer documentation. - Made risk-based decisions on customer exits aligned with the bank’s risk appetite. - Managed transaction monitoring alerts, investigating discrepancies and SOF mismatches. - Assessed customer activity in high-risk jurisdictions to prevent sanctions breaches. - Drafted complex SARs (e.g., terrorist financing, human trafficking) to NCA standards. - Provided quality assurance on SARs and approved high-risk defunds post-DAML clearance. - Led end-to-end fraud investigations, coordinating with external banks to recover proceeds of crime. - Delivered training and mentoring to FinCrime staff and handled advanced escalations from stakeholders. - Supported FinCrime improvement projects, enhancing processes and upskilling staff to improve SAR quality.
- Managed PEP and sanctions screening alerts, ensuring accurate and timely resolution. - Conducted KYC reviews and adverse media checks using systems like WorldCheck and LexisNexis. - Collected and assessed SOF/SOW data from internal and external sources (e.g., Orbis, Companies House). - Investigated AML alerts, validating or discounting matches against target watchlists. - Performed enhanced due diligence and updated customer profiles accordingly. - Monitored transactions and filed internal SARs where necessary. - Identified and reported process improvement opportunities to management.
- First point of contact for monitoring and preventing fraud losses on Tesco banking products. - Led end-to-end fraud investigations, identifying and analysing trends in debit and credit card fraud. - Provided insights to the fraud strategy team to implement rules and minimise losses. - Conducted KYC checks, analysed spending patterns, and ensured compliance with customer profiles. - Performed quality assurance and highlighted process improvements to senior management. - Screened transactions against CIFAS and internal risk frameworks to assess fraud risk.