Caxton Payments are looking for a self-motivated, proactive and organised Financial Crime Analyst to join our Compliance team! You will be joining a small but skilled team and will be involved in identifying, and preventing financial crimes like money laundering, using data analysis and working closely with various teams. The role will require basic proficiency in SQL and Python and basic coding. If you have a strong interest in financial crime prevention and you bring experience in detecting and analysing suspicious activities and basic coding, this role could be just the fit for you.

Your Duties and Responsibilities

- Conduct thorough due diligence on new clients to ensure compliance with regulatory requirements. 

- Assess and verify client information to identify potential risks related to financial crime. 

- Monitor financial transactions for unusual or suspicious activities. 

- Utilise automated monitoring systems and tools to detect and investigate potential instances of fraud or money laundering. 

- Translate business rules, test and refine rulesets to improve transaction monitoring alerts

- Extract and analyse data using python and SQL

 

- Stay updated on the latest money laundering regulations and guidelines. 

- Implement and maintain procedures to ensure adherence to regulatory requirements. 

- Prepare and submit Suspicious Activity Reports (SARs) to relevant authorities in accordance with established protocols. 

- Work closely with the compliance team to provide comprehensive documentation for suspicious cases. 

- Conduct investigations into potentially fraudulent activities, collaborating with internal teams and law enforcement agencies as necessary. 

- Compile evidence and findings to support the resolution of fraud cases. 

- Proactively identify and assess emerging financial crime risks. 

- Collaborate with cross-functional teams to implement measures for the prevention and mitigation of financial crimes. 

- Ensure strict compliance with all money laundering regulations, the Electronic Money Regulations (EMR’s 2011) and the Payment Services Regulations 2017 (PSR’s 2017). 

- Assist in the development and maintenance of policies and procedures to uphold compliance standards. 

- Support compliance training with internal stakeholders. 

- Ensure all financial crime logs are completed on time and to a high standard 

- Carry out regular reviews of logs highlighting inconsistencies or irregularities to the MLRO. 

- Support Compliance projects as required. 

Skills and Requirements

- A minimum of 12-18 months experience in Financial Crime roles.

- Ability to translate business rules into logical conditions (AND/OR/NOT) within our low-code/no-code transaction-monitoring platform, then test and refine those rule sets for accurate alerting.

- Basic proficiency in Python for compliance automation. Able to write simple scripts using core syntax, control-flow constructs, and functions to support data checks and workflow tasks.

- Basic proficiency in SQL for data extraction and aggregation. Able to query relational databases, join related tables, and produce summary reports.

- Good understanding of money laundering regulations and financial crime prevention. 

- Excellent analytical skills with the ability to interpret complex data. 

-  Professional Development: Certification in AML or Financial Crime (e.g., ICA, ACAMs, or other recognised professional qualifications) is strongly preferred.

- Previous experience working with transaction monitoring applications.
 
Who we  are

Caxton is a pioneering UK financial services company on a mission to make money work harder for our customers - and to make moving it a pleasure. Since launching in 2002, we’ve been redefining payments through innovation, transparency and a relentless focus on customer experience.

 

We’re an FCA-regulated business offering secure, intuitive financial solutions through our platform. Our proprietary, cloud-first eco-system (CXTN) powers everything from business payroll and supplier payments to global transfers and FX - all from one easy-to-use, secure platform.

 

We also support consumers directly with our award-winning prepaid travel money card, making international spending effortless, and nimbl- the go-to pocket money card for young people, helping the next generation build money confidence.

 

Whether we’re helping businesses automate payments or families manage their money, our mission stays the same: to deliver smart, secure, and efficient payment solutions.

 

Caxton: trusted for over 20 years, built for what’s next.

Principles and values

Compliance is a key pillar of Caxton's business principles and ethics and have placed the customer and their needs at the forefront of our business for 23 years . It is a non-negotaible that all team members adhere to ethical principles, act with intergrity and honesty and conduct themsleves at all times with sue skill, care and diligence. 

Benefits

Best in class IT equipment and full support
- Great private working space within the Beyond at Aldgate Tower Shared Office with free coffee, Barista and beer on tap
- 25 days holiday (plus bank holidays)
- Annual bonus
-Contributory Pension and Life assurance
- Vitality Private Health Insurance and benefits
- Preferential FX rates for friends and family

Office Culture & Environment
- Open plan office based in the City of London. Professional and informal culture. Flat hierarchy means direct and regular communication with Directors and the CEO is encouraged
- Hybrid working between Home and Office standard
- A friendly environment with regular social and inspirational events.