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About the Role

The Compliance Specialist supports the Client Risk Oversight team by providing Second Line of Defence (2LoD) oversight, quality assurance, and challenge across client onboarding, ongoing monitoring, and the financial crime framework. The role reviews KYC/CDD/EDD activities, supports high-risk client oversight, control testing, and compliance reporting, ensuring First Line activities align with IFX policies, risk appetite, and regulatory requirements.

Responsibilities

Provide independent 2LoD review and challenge of 1LoD KYC, onboarding, and ongoing monitoring activities.
Assess KYC/CDD files, client risk ratings, ownership structures, screening results, and source of funds/wealth to ensure financial crime risks are appropriately identified and mitigated.
Identify control weaknesses or inconsistencies, escalate where required, and ensure activities align with IFX's risk appetite, policies, and regulatory expectations.
Conduct QA reviews of onboarding and periodic review files to verify documentation, AML/KYC compliance, risk assessments, and screening quality.
Document evidence-based findings, identify recurring issues, and recommend improvements to control effectiveness.
Support remediation tracking and contribute to QA management information, reporting on outcomes, trends, and exceptions.
Review high-risk client onboarding, ongoing monitoring, and EDD cases, assessing ownership, business models, jurisdictional exposure, and source of funds/wealth.
Prepare clear risk summaries, recommendations, and supporting rationale for senior review and governance.
Escalate material risks or out-of-appetite concerns and maintain audit-ready records of decisions and follow-up actions.
Support onboarding and ongoing oversight of intermediary, fintech, PSP, EMI, and other higher-risk client relationships.
Review client AML frameworks, governance, due diligence standards, and operational controls to assess financial crime risk.
Document findings, recommend risk mitigations, and monitor agreed remediation or ongoing oversight actions.
Perform control testing across the financial crime framework to assess the effectiveness of 1LoD and 2LoD controls.
Document testing outcomes, findings, root causes, and recommended corrective actions.
Support thematic reviews and identify opportunities to strengthen policies, procedures, and monitoring controls.
Prepare evidence-based risk summaries, escalation papers, and governance materials for senior management and committees.
Produce management information on QA outcomes, remediation, control issues, and emerging financial crime risks.
Support suspicious activity assessments and reporting in line with internal governance and regulatory requirements.
Support the development and enhancement of AML/KYC policies, procedures, QA frameworks, and control documentation.
Provide feedback to improve operational effectiveness and ensure alignment with regulatory requirements and risk appetite.
Contribute to continuous improvement initiatives and implementation of regulatory or framework changes.
Provide day-to-day AML/KYC compliance advice and guidance to operational and business teams.
Support the delivery of training and awareness on financial crime risks, including sanctions, PEPs, EDD, and higher-risk indicators.
Promote a strong compliance culture while escalating complex or higher-risk matters where appropriate.
Build effective relationships across 1LoD, 2LoD, and business functions while maintaining independent oversight.
Communicate findings, recommendations, and risk issues clearly and professionally to stakeholders.
Support timely resolution of issues and remediation activities, exercising sound judgment on escalation where necessary.

Requirements

Experience in AML/CTF, financial crime compliance, KYC/CDD/EDD, and client risk assessments within a regulated financial services environment.
Strong knowledge of sanctions, PEP, and adverse media screening, financial crime risks, and risk-based decision-making.
Excellent analytical, organisational, and written communication skills, with the ability to identify control weaknesses, manage competing priorities, and produce clear, evidence-based documentation.
Experience in a Second Line of Defence (2LoD) compliance, QA, assurance, or financial crime oversight role.
Exposure to higher-risk client types, including corporate, institutional, fintech, PSP, EMI, MSB, and intermediary relationships, with experience in EDD and high-risk reviews.
Knowledge of compliance monitoring, control testing, governance reporting, remediation tracking, and risk appetite frameworks.
Eligible to work in the UK.

Skills

AML/CTF
Financial Crime Compliance
KYC/CDD/EDD
Client Risk Assessments
Sanctions Screening
PEP Screening
Adverse Media Screening
Risk-Based Decision-Making
Analytical Skills
Organisational Skills
Written Communication Skills
Control Testing
Governance Reporting
Remediation Tracking
Risk Appetite Frameworks

Location

London

Work Type

Permanent
Full Time

Experience Level

Second Line of Defence (2LoD) compliance, QA, assurance or financial crime oversight role experience
Experience in AML/CTF, financial crime compliance, KYC/CDD/EDD and client risk assessments within a regulated financial services environment
Exposure to higher-risk client types, including corporate, institutional, fintech, PSP, EMI, MSB and intermediary relationships, with experience in EDD and high-risk reviews

Benefits

25 days’ annual leave, plus bank holidays
An extra day off for your birthday
Holiday loyalty scheme rewarding long-term service
Work abroad scheme for added flexibility
Competitive pension scheme via salary exchange
Annual discretionary bonus scheme (eligible after probation)
Financial education, planning & coaching platform
Interest-free Season Ticket Loan for London travel
Salary exchange nursery fee scheme
Life Insurance
Healthcare platform including: Cashback on dental, optical & physio, Virtual GP access, Mental health and stress support helplines, Additional wellbeing resources
Enhanced parental leave
Cycle to work scheme
Flexible benefits that support everyday life
Career development and progression tools
Opportunities to grow within a fast-scaling international business
Social events

About the Company

We believe that diversity and inclusion are essential to our success. We are committed to fostering a culture where everyone feels valued and respected, regardless of their background, identity or experiences. By embracing diverse perspectives and promoting equity, we aim to create an environment where all employees can perform and reach their full potential.