Team
In this role you will join the growing UK AML Operations team and have the opportunity to make a real impact by investigating and mitigating financial crime risks. You'll work closely with various internal and external stakeholders, helping to shape and strengthen our AML and KYC processes.
It’s a dynamic, fast-paced environment where you’ll be able to expand your expertise and contribute to continuous improvements within a company that values innovation and compliance.
If you’re passionate about preventing financial crime and eager to grow your career, this is an exciting opportunity to be part of something meaningful.
Your Responsibilities
As a 1st Line AML / KYC Analyst, you will be responsible for conducting customer due diligence (CDD), enhanced due diligence (EDD), and transaction monitoring activities to ensure the Bank's compliance with anti-money laundering (AML) and Know Your Customer (KYC) regulations. You’ll play a critical role in identifying and mitigating financial crime risk at the frontline of customer interaction.
Conduct AML/KYC reviews on new and existing customers in line with internal policies and regulatory requirements.
Collect and verify customer documentation (e.g., ID, proof of address, source of funds/wealth).
Perform screening and background checks using internal systems and third-party tools.
Investigate alerts from transaction monitoring systems, escalating suspicious activity as appropriate.
Liaise with customers and internal teams to obtain missing information or resolve KYC issues.
Contribute to the overall continuous improvement and development of the AML/KYC Operations Team by supporting the implementation of internal controls, process improvements and documentation updates.
Assist in the preparation of internal reports and MI relating to Financial Crime and AML.
Stay current on AML/CTF legislation, typologies, and regulatory expectations.
Your Profile
3+ years' experience in a KYC, AML, or compliance role within a financial institution (preferably experience retail banking or wealth management).
Working knowledge of the UK regulatory environment, including the Money Laundering Regulations, JMLSG Guidance, and FCA Handbook.
Familiarity with screening and case management tools e.g. LexisNexis, ComplyAdvantage, Dow Jones.
Team player with a proactive attitude and ethical mindset.
Strong attention to detail and investigative mindset.
Good written and verbal communication skills.
Ability to work under pressure and manage workload in line with SLAs.
Experience in using open-source intelligence to identify any relevant adverse media on our customers and partners.
Strong communication skills including the ability to forge new connections with existing stakeholders and escalate risks diligently in line with agreed processes.
Keen eye for detail and problem solving with an investigative mind and the desire to find solutions to problems independently and quickly using a risk based approach and by applying a consistent and defensible rationale in line with relevant legislation.
Join our mission, join our team - and grow with us!
At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, who are at the heart of our success.
As part of the Raisin UK team, you benefit from:
Employee Development Budget of £1,700 and 4 full training days per year.
Access to Babbel for continuous learning.
Always hungry? Breakfast, snacks, daily fresh fruit and drinks are at your disposal around the clock.
We are hybrid working, we are in the office twice a week, giving the team the opportunity to collaborate and spend time together. Wednesday is our core day in the office.
We offer 28 days + Bank Holidays of holiday a year.
One day birthday leave and gift voucher to celebrate your birthday.
We offer you a company stakeholder pension with a minimum employer contribution of 5%.
The opportunity to experience our annual retreats in exciting European cities and other team building events.
About us
Raisin is the trailblazer in the savings and investment space. Founded in 2012, the fintech company started by opening the $95+ trillion deposits and investments market of the European Union, the United Kingdom and the United States to consumers.
Today, Raisin serves more than one million customers in these three markets, offering savings products as well as investment and pension products. This makes the Berlin-based fintech one of the leading global savings and investments marketplaces. Savers get a wider choice of attractive products with the ability to move their money freely. In addition, financial service providers get best-in-class marketplace solutions for their customers, and banks get better access to retail funding.
Raisin operates its own B2C marketplaces in Europe and the U.S. under the brands Raisin and WeltSparen. In Germany, the company offers ETF-based investment and retirement products in addition to savings products. Raisin works with over 400 banks and financial service providers from over 30 countries
We are backed by renowned international investors such as b2venture, Deutsche Bank, Goldman Sachs, Greycroft, Headline, Index Ventures, Latitude Ventures, Orange Ventures, PayPal Ventures, Top Tier Capital Partners, Ribbit Capital, Vitruvian Partners and M&G.
At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.
In total, we have 7 offices across the world: Berlin, Frankfurt, Hamburg, Madrid, Manchester, Munich and New York.
We also think it’s important to take the time to celebrate our hard work and achievements together, with events like our yearly summer and winter party, as well as a couple of smaller get-togethers.
We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity. 
