M&G plc
Senior Transaction Monitoring & Investigations Specialist 1LoD
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Role Purpose:
To provide expert first line oversight of Transaction Monitoring across the business, delivering high quality investigation outcomes and supporting the ongoing enhancement of AML transaction monitoring controls. The role will act as a subject matter expert in transaction monitoring, leading the development and optimisation of monitoring typologies, applying risk-based judgement to alerts and investigations, and supporting the effectiveness of the wider 1LoD Financial Crime framework.
Key Responsibilities:
- Lead and support the development, refinement, and ongoing optimisation of AML and fraud transaction monitoring typologies and threat-based scenarios, leveraging internal data and intelligence from the 2LoD Investigations team.
- Conduct transaction monitoring, identifying, investigating, and escalating to the 2LoD Investigations team, potentially suspicious activity in line with risk appetite and regulatory expectations.
- Perform and oversee complex Level 1 transaction monitoring alert reviews, ensuring consistent, well-reasoned disposition and documentation.
- Apply strong risk-based judgement to investigation outcomes, escalating suspicious activity to the 2LoD Investigations team.
- Act as a subject matter expert, providing guidance and challenge to colleagues on transaction monitoring, fraud risk indicators, and investigative best practice.
- Support the implementation and embedding of robust TM and Fraud typologies and controls across relevant business areas, contributing to continuous improvement of the control environment.
- Maintain up-to-date knowledge of regulatory developments, emerging financial crime risks, and industry best practice, proactively sharing insights to upskill the wider team.
- Work collaboratively across teams to support effective controls, improved customer outcomes, and a measurable reduction in operational and financial crime risk.
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Skills & Experience Required:
- Significant hands-on experience in AML Transaction Monitoring within a first line Financial Crime function, including alert investigation, disposition and escalation activities.
- Proven experience developing, refining and enhancing transaction monitoring typologies, scenarios and monitoring rules.
- Experience within Asset Management, Investment Management, Wealth Management, Platform Services or Funds environments is strongly preferred.
- Strong understanding of AML, CTF, sanctions and KYC regulations, with the ability to apply regulatory requirements within a transaction monitoring and investigations environment.
- Demonstrable experience investigating complex and potentially suspicious transactional activity and making risk-based decisions.
- Experience working within operational Financial Crime teams, managing escalations, exception handling and regulatory driven deadlines.
- Excellent written and verbal communication skills, with the ability to communicate complex findings and recommendations to stakeholders at all levels.
- Strong organisational and prioritisation skills, with the ability to manage multiple investigations and competing priorities.
- Proven ability to work independently while collaborating effectively with colleagues and stakeholders, taking ownership of monitoring outcomes and controls.
- Relevant professional qualifications such as ACAMS, ICA or equivalent would be advantageous.
- A pragmatic and solutions-focused mindset, balanced with a strong commitment to regulatory compliance and effective risk management.
- Ability to operate effectively within a hybrid, diverse and multi-cultural working environment.
What we offer:
- A valuable pension scheme of up to 18% (13% made up of employer contributions and 5% employee contributions).
- Access to our Share Save and Share Incentive Plan, alongside financial wellbeing and support services to help give you real confidence to put your money to work.
- Enjoy 38 days annual leave (including bank holidays), with the opportunity to purchase up to five extra days. Our Time Off When You Need It policy gives you the flexibility to balance work and personal commitments.
- Our market-leading Inspiring Families policy includes comprehensive support and paid parental leave covering maternity, adoption, surrogacy, and paternity leave - because supporting families is an important part of our inclusive culture.
- Health & Protection cover includes Private Healthcare, Critical Illness cover and Life Assurance for you, with additional family options - for peace of mind.
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At M&G we strive to have a diverse workforce and an inclusive culture, underpinned by our policies and employee-led networks that offer networking, support and development opportunities for the diverse communities our colleagues represent. We welcome applications from people of all backgrounds – across gender, ethnicity, age, disability, sexual orientation and more – including neurodivergent individuals, career returners and those with military service experience.
M&G is proud to be Level 3: Disability Confident Leader under the UK Government Disability Confident employer scheme, and we welcome applications from candidates with disabilities and long-term health conditions. If you would like to participate in the initiative, you will have the opportunity to indicate this on your application.
We are committed to providing an inclusive recruitment process. All candidates have the opportunity to request reasonable adjustments when applying. If you need any additional support at any stage, please contact us at: careers@mandg.com
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