Financial Crime Investigator
Financial Crime Investigator (Level I) | GoHenry
Farnborough | 🏢 Office-based - (hybrid post-probation)
GoHenry is a UK-based fintech company created by parents to pioneer financial education. More recently, GoHenry moved into Europe and the US by joining forces with French fintech company PixPay and US investing app, Acorns.
Together, Acorns, PixPay, and GoHenry have over 6 million members across 5 countries. We are focused on empowering families with engaging money management tools, educational content, and a seamless product experience that creates financial well-being from birth to adulthood.
We are looking for a Financial Crime Investigator to be part of the Financial Crime team by performing critical Know Your Customer (KYC), Anti-Money Laundering (AML), and fraud monitoring activities to protect our members and the business. This role is vital in ensuring the safety and security of our platform for millions of young people and their families.
This is a permanent full-time role (37.5 hours a week) in our Financial Crime Team, including weekends and bank holidays. Due to the nature of the role, you will be required to work onsite at our Farnborough office full-time for the first six months. Following successful completion of your probation period, the role will transition to a hybrid arrangement, requiring a minimum of three days per week in the office.
What you will do at GoHenry:
Use your knowledge, skills, and instincts to review customer account activity and support our Member Services and Operations Teams to resolve customer issues quickly, applying a Financial Crime perspective.
Ensure adherence to AML and Global Sanctions requirements, as well as internal policies and standards.
Work to ensure that the business fraud cost is kept to an optimal level, whilst minimising the impact on genuine customers.
Manage the execution of complex investigations arising from transaction monitoring alerts, internal escalations, and external referrals.
Conduct financial crime data analysis and investigations across a range of datasets, identifying suspicious activity, emerging typologies and systemic risks.
Review inbound UK chargebacks and provide Financial Crime assessment (1st vs 3rd party classifications), appealing decisions as appropriate.
Complete Politically Exposed Persons (PEPs) & Sanctions Reviews: Ensure timely and rigorous screening is undertaken on potential PEPs and sanctions matches; escalating any potential sanctions matches to the MLRO.
Manage the efficient and timely reporting of suspicious activity (SARs), ensuring compliance with regulations and the Proceeds of Crime Act (POCA).
Action DPA requests
Develop knowledge of processes, regulations, and applicable law regulations on credit card fraud and fraud recovery through research of internal/external resources.
What you will bring to GoHenry:
2–3 years of experience within fraud analytics, AML, financial crime, risk analytics within a financial services environment.
Strong understanding of all types of payments fraud, AML, CTF, KYC and internal fraud practices.
Hands-on experience in conducting deep-dive investigations into suspicious transactions and familiarity with financial crime detection tools.
A strong ability to recognise patterns and anomalies, with a confident approach to decision-making.
Exceptional attention to detail and an ability to identify emerging trends in market abuse and financial crime typologies and propose control enhancements.
Ability to manage multiple investigations simultaneously while working under high pressure and tight timelines.
Strong analytical and problem-solving skills with a proactive, forward-thinking mindset.
A proven ability to work closely across multiple departments in a collaborative manner.
Fluent in English, with excellent spoken and written communication skills.
Well-organized with good time-management and basic Excel skills (training will be provided as needed).
What’s in it for you?
All the essentials you would expect, including a workplace pension plan, 33 days of holiday (including public holidays), & great company events local & abroad!
Other Offers:
Hybrid Working - Upon completion of Probation
Your Birthday Day off
25 days annual leave, in addition to 8 UK bank holidays
An excellent Induction & onboarding program with ongoing learning & development throughout your career
A choice between Bupa Health Cash Plan or Bupa Private Medical
Death in service – 4x your annual salary from month 1
Physical and Mental Wellbeing support and platforms for you and your family
Family-friendly leave policies
Enhanced maternity leave – 20 weeks full basic pay after 2 years’ service and 26 weeks full basic pay after 3 years’ service
Paternity leave – 4 weeks full pay after probation
Salary Sacrifice options
About GoHenry
We’re on a mission to help every kid be smart with money. Our goal? Create generations of independent, confident young adults, armed with money skills that will set them up for life.
How we do it:
We place the power in the hands of young people, giving them the tools they need to master the financial ropes for themselves. They can spend, save, earn, and give with GoHenry’s prepaid debit card and app – because learning through doing really works (and it’s more fun!). All while our unique built-in controls give parents total peace of mind.
We’re proud to say...
We ranked #38 in Newsweek's Top 100 Most Loved Workplaces in the UK in 2023
We’re one of Tech Track’s top 50 fastest-growing UK companies.
We won Finders Kid’s Cards Customer Satisfaction Awards in 2022 and 2023.
We won the Tech for Good award at the Better Society Awards 2023
Our kids and parents have donated over £500,000 of their own money to NSPCC via their GoHenry accounts
But we’re still growing, and that’s why we need you.
GoHenry is an equal-opportunity employer, and we’re on a mission to foster a diverse & inclusive workplace. Individuals seeking employment at GoHenry are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.