Modulr
Compliance Onboarding Analyst
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Compliance Onboarding Analyst
Location: Edinburgh, UK Type of Role: Full time Working Arrangement: In office, 4 days per week
Do you thrive on curiosity, love experimentation, and consistently seek innovative ways to solve problems? Are you looking to play a hands-on role in embedded payments while continuously learning in a dynamic environment? Is this a role where you want to contribute meaningfully to one of Europe’s fastest-growing fintechs? If so, we’d love to connect!
About the Role
Modulr’s mission is to empower businesses, from SMEs to Enterprises across the UK and Europe, to efficiently and seamlessly pay-in, collect, and disburse funds instantly through various payment schemes, accounts, and card products. Discover more about us on our website and careers page.
Responsibilities:
- Conduct Customer Due Diligence (CDD) for both individual and corporate clients, encompassing Simplified Due Diligence (SDD), Enhanced Due Diligence (EDD), screening and reviewing historical data for adverse media, sanctions, and Politically Exposed Persons (PEP) scrutiny.
- Review, update, and maintain customer records according to FCA guidelines, UK/EU AML directives, and internal risk policies.
- Collect, verify, and assess KYC/KYB (Know Your Customer/Know Your Business) documentation, including:
- Proof of identity (ID)
- Address verification
- Ownership structures and corporate hierarchies
- Perform sanctions, PEP, and adverse media screenings, escalating hits or anomalies strictly through escalation protocols.
- Complete Client Risk Assessments, producing meticulous and reason-ed outputs in compliance with company standards.
- Collaborate with internal and external teams to resolve discrepancies and address challenges in onboarding cases.
- Ensure accurate documentation of all due diligence activities, maintaining audit readiness, compliance with GDPR regulations, and risk mitigation policies.
- Identify and propose improvements to the CDD onboarding process, highlighting opportunities for automation where appropriate.
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Requirements:
Skills & Experience
- 2+ years of experience in CDD, KYC, AML, or financial crime roles within a regulated financial institution or fintech company.
- A robust understanding of UK/EU AML regulations, encompassing JMLSG (Joint Money Laundering Steering Group) guidance and FCA expectations.
- Familiarity with a variety of client structures, including:
- Corporates
- Trusts
- Partnerships
- Beneficial ownership structures
- Strong analytical skills paired with a meticulous attention to detail, capable of managing high-volume work efficiently while meeting tight deadlines.
- Experience with screening and data tools such as Orbis, Moody’s, or similar platforms.
- Exceptional written and verbal communication skills.
- Proficiency in:
- Excel (intermediate to advanced level)
- CRM/KYC platforms
- Document management systems
- Ability to operate independently while remaining accountable, with the capacity to collaborate strategically with cross-functional teams to align with shared objectives.
Nice-to-Haves
- Experience managing multi-jurisdictional or cross-border AML/financial crime requirements.
- Awareness of EU business structures and cross-border AML frameworks.
- A forward-thinking and inventive mindset, actively exploring ways to improve CDD processes through automation or technology.
Benefits:
- Share Options: Access to a Company Share Option Plan (CSOP), giving you the opportunity to benefit from modest shareholding gains during potential sales, mergers, or a future flotation.
- Bonus: Our annual discretionary bonus is distributed in May for work completed in the previous year, calculated on company and individual performance.
- Benefits Package: £1,000 to select from flexible benefits, including:
- Private medical insurance
- Gym memberships
- Dental plans
- Wellbeing Support: Secure access to a confidential mental health and wellbeing app, offering therapy, coaching, counselling, management training, or mindfulness sessions from qualified professionals. Hours are provided by the company, with additional options available as a top-up.
- Annual Leave: 33 days per year (including bank holidays), plus your birthday off.
- Fixed holidays in the UK: Christmas Day, Boxing Day, New Year’s Day.
- Flexibility to arrange the remaining personal leave days to suit your schedule.
- ModStart Training: Our two-day onboarding programme equips new hires with foundational knowledge and sets them up for success.
- Career Development: Continuous support and opportunities for professional growth.
- Company-Wide Events: Participation in collaborative and engaging events across the organisation, fostering team cohesion and learning.
- Bike to Work/E-bike Scheme: Support for commuting via pedal-powered mobility options.
- ModInclusion: Committed to diversity, equity, and inclusion, ensuring that everyone can bring their whole self to work. We encourage applications from all backgrounds as we believe a variety of perspectives strengthens our teams and our community.
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