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About the Role
As a Transaction Monitoring Analyst on Vanguard's Financial Crime team, you will identify and investigate unusual or suspicious activity to maintain a robust financial crime risk management framework. This role offers an opportunity to develop expertise in transaction monitoring, financial crime typologies, and risk-based investigations while partnering with various stakeholders.
Responsibilities
- Conduct timely and thorough investigations of transaction monitoring alerts using internal and external data sources to assess customer activity and identify potential financial crime risks.
- Escalate suspicious activity in line with internal procedures and regulatory requirements.
- Support the development, implementation, testing and optimisation of transaction monitoring controls, scenarios, rules and thresholds.
- Identify control gaps, emerging risks and opportunities to improve the effectiveness and efficiency of monitoring processes.
- Produce high-quality, audit-ready case documentation, ensuring investigations are accurately recorded and supported by appropriate evidence.
- Develop and maintain management information, dashboards and reporting that provide insight into transaction monitoring trends, typologies and control performance.
- Support quality assurance activities, control testing, risk assessments, audits and regulatory reviews.
- Build strong working relationships with colleagues across Compliance, Risk, Operations, Technology and third-party service providers.
- Share knowledge and provide guidance on transaction monitoring practices, financial crime typologies and control requirements.
- Contribute to change initiatives, regulatory developments, system enhancements and continuous improvement projects that strengthen Vanguard's financial crime control environment.
Requirements
- Experience in Transaction Monitoring, AML investigations, suspicious activity investigations or Financial Crime Operations within Financial Services.
- Strong understanding of Financial Crime regulations and lifecycle, including AML, Sanctions, Bribery and Corruption and Tax Evasion.
- Experience investigating potentially suspicious customer activity and making evidence-based, risk-focused decisions.
- Strong analytical, investigative and problem-solving skills.
- Ability to produce clear, concise and well-reasoned case documentation and investigation reports.
- Experience using transaction monitoring systems, case management tools and screening platforms.
- Strong attention to detail with the ability to manage multiple priorities effectively.
- Undergraduate degree or equivalent combination of training and experience.
Skills
- Transaction Monitoring
- AML investigations
- Suspicious activity investigations
- Financial Crime Operations
- Financial Crime regulations
- AML
- Sanctions
- Bribery and Corruption
- Tax Evasion
- Analytical skills
- Investigative skills
- Problem-solving skills
- Case documentation
- Investigation reports
- Transaction monitoring systems
- Case management tools
- Screening platforms
- Attention to detail
- Priority management
- Financial services experience
- Investment management experience
- Wealth management experience
- Banking experience
- Payments experience
- Fintech experience
- UK Money Laundering Regulations
- JMLSG Guidance
- FCA expectations
- POCA
- SAR reporting requirements
- Transaction monitoring rule tuning
- Typology assessment
- Threshold calibration
- Model validation
- Management information reporting
- Excel
- Power BI
- SQL
- Tableau
- Data visualisation
- Analytics tools
- ICA qualification
- ACAMS qualification
- Customer screening tools
- Risk assessment tools
Location
- Hybrid
Work Type
- Hybrid
- Full-time
Experience Level
- Professional
Education Level
- Undergraduate degree or equivalent combination of training and experience
About the Company
- Vanguard is a different kind of investment company. It was founded in the United States in 1975 on a simple but revolutionary idea: that an investment company should manage its funds solely in the interests of its clients.
- This is a philosophy that has helped millions of people around the world to achieve their goals with low-cost, uncomplicated investments.
- It's what we stand for: value to investors.
Equal Opportunity
- Vanguard’s continued commitment to diversity and inclusion is firmly rooted in our culture. Every decision we make to best serve our clients, crew (internally employees are referred to as crew), and communities is guided by one simple statement: “Do the right thing.”
- We believe that a critical aspect of doing the right thing requires building diverse, inclusive, and highly effective teams of individuals who are as unique as the clients they serve. We empower our crew to contribute their distinct strengths to achieving Vanguard’s core purpose through our values.
- When all crew members feel valued and included, our ability to collaborate and innovate is amplified, and we are united in delivering on Vanguard's core purpose: to take a stand for all investors, to treat them fairly, and to give them the best chance for investment success.
- Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.