FDM is a global business and technology consultancy seeking a Financial Crime Analyst to work for our client within the Fintech sector. This is initially a 6 month contract with the potential to extend and will be a hybrid role based in Milton Keynes.
Our client is building a Triggered KYC & Customer Oversight capability- a dynamic, intelligence-led team that replaces static periodic reviews with real-time risk assessment and decisioning. This team sits at the forefront of financial crime innovation, combining data-driven alerts , advanced analytics, and expert judgement to continuously evaluate whether the bank should initiate, maintain, or exit customer relationships.
Analysts operate across KYB, UBO transparency, and business model risk, delivering timely, risk-based decisions in a fast-paced, technology-enabled environment.
Responsibilities:
1. Triggered Risk Assessment & Decisioning
- Investigate and triage event-driven KYC alerts (e.g. ownership changes, behavioural anomalies, regulatory signals)
- Conduct end-to-end reviews of customers triggered by risk events, not arbitrary timelines
- Form clear, evidence-based views on client risk profile evolution
2. Deep-Dive KYB & UBO Analysis
- Analyse complex corporate structures and Ultimate Beneficial Ownership (UBO)
- Identify opacity, proxy ownership, and potential misuse of legal vehicles
- Assess jurisdictional risk and regulatory exposure
3. Business Model & Operating Model Review
- Evaluate the credibility and legitimacy of client business models
- Assess whether the client’s operating model aligns with stated activities and risk appetite
- Identify emerging risks (e.g. shell activity, regulatory arbitrage, rapid scaling in high-risk sectors)
4. Control Design & Customer Risk Mitigation
- Define and recommend targeted controls around higher-risk clients, including:
- Transaction monitoring enhancements
- Restrictions / conditional approvals
- Escalations or exit strategies
- Ensure controls are proportionate, outcome-driven, and auditable
5. Approval & Governance Contributions
- Prepare high-quality case summaries and risk recommendations for approval forums
- Support sign-off decisioning with clear rationale and evidence trails
- Contribute to consistent, defensible decision-making frameworks
6. Continuous Monitoring Mindset
- Shift from “review cycles” to continuous oversight
- Leverage technology, data, and signals to maintain a live understanding of customer risk
- Feed insights back into risk models, alerting logic, and control frameworks