Senior AFC Officer - AML & Financial Crime Compliance

Summary

Join Midnite's Anti-Financial Crime (AFC) Compliance Team as a Senior AFC Officer. You will conduct thorough Source of Funds (SOF) and Enhanced Due Diligence (EDD) investigations on high-risk customers, contribute to strategic decision-making, and act as a senior point of contact. Responsibilities include assisting in daily AFC management, monitoring AML controls, presenting risk insights to leadership, delivering AML training, staying updated on regulatory changes, and advising cross-functional teams. The ideal candidate possesses proven AML/Financial Crime Compliance experience, strong analytical skills, exceptional communication, and the ability to manage multiple priorities in a fast-paced environment. Midnite offers a competitive salary, comprehensive health coverage, flexible working arrangements, generous paid leave, and various other benefits to support work-life balance and professional development.

Requirements

• Proven experience in AML/Financial Crime Compliance, particularly in conducting complex SOF and EDD investigations on high-risk or high-value customers
• Strong analytical skills, with the ability to assess large volumes of data, detect patterns, and make sound risk-based decisions
• High attention to detail and a methodical approach to reviewing customer profiles, transaction activity, and risk indicators
• Exceptional communication and relationship-building skills, enabling effective collaboration with internal teams and external stakeholders
• Ability to manage multiple priorities, work independently, and thrive in a fast-paced environment
• Familiarity with AML frameworks, risk-based approaches, and relevant UK regulatory requirements (e.g., FCA, Proceeds of Crime Act, MLRs)

Responsibilities

• Assist the AFC Manager and Team Leads in the daily management of the AFC Compliance function, ensuring operational effectiveness across policies and procedures
• Take ownership of complex SOF and EDD investigations, providing detailed risk assessments and ensuring thorough documentation of findings
• Monitor and assess the effectiveness of AML controls and systems, proactively identifying areas for enhancement and supporting ongoing improvements
• Compile and present management information and risk insights to senior leadership to inform decision-making
• Deliver AML and Financial Crime training to new starts, ensuring the team remains well-informed on key compliance risks and regulatory updates
• Stay ahead of legislative and regulatory changes, assessing their impact on business operations and advising on necessary adjustments
• Act as a key contact for cross-functional teams, providing advice and guidance on AML and financial crime matters

Preferred Qualifications

Experience with compliance monitoring systems, investigative tools, and financial crime technology is an advantage

Benefits

• Comprehensive health coverage: Look after your well-being with our outstanding zero-excess health insurance plan, which includes optical and dental coverage
• Simplify life: Take advantage of our nursery salary sacrifice scheme, allowing you to conveniently pay your child's nursery fees straight from your paycheck
• Work-life balance: Enjoy 25 paid holidays a year, plus generous paid maternity, paternity, and adoption leave, supporting you during life's most important moments
• Productive home office: We provide everything you need for a comfortable and ergonomic home setup, ensuring you're as productive as possible
• Flexible working: We embrace flexible working, allowing you to adjust your schedule when life's unexpected moments arise
• Latest tech made easy: With our salary sacrifice schemes, you can upgrade to the latest gadgets, household items, and mobile tech without the upfront cost
• Exclusive perks: Enjoy a wide range of discounts on retailers, groceries, and subscriptions, making life a little more affordable
• Grow with us: Expand your skills through internal and external learning opportunities while benefiting from access to mentorship programs that support your development
• Transparent compensation: We provide competitive pay with clear team bandings and salary grids, ensuring that salary discussions are simple and fair
• Constructive feedback: We foster a transparent culture, encouraging individual feedback and review sessions to help everyone improve
• Work from anywhere: Whether it's a cosy cottage in the Cotswolds or anywhere else, enjoy the freedom of working remotely