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About the Role
GoHenry is seeking a Financial Crime Investigator to safeguard members and the platform by performing critical Know Your Customer (KYC), Anti-Money Laundering (AML), and fraud monitoring activities. This role is a vital line of defense enabling members to learn and grow with confidence.
Responsibilities
- Own complex cases from alert to closure, making sound judgments with incomplete information and defending conclusions with evidence and clear reasoning.
- Conduct meticulous deep-dive investigations into suspicious transactions, analyzing patterns across multiple data sources to uncover the full picture of financial crime risk.
- Manage a mixed caseload simultaneously, balancing urgent cases with thorough analysis while consistently meeting tight regulatory deadlines.
- Document investigations with clarity and rigor, producing reports that drive internal decisions and withstand regulatory scrutiny.
- Identify customers and transactions that pose AML, sanctions, or fraud risk, applying knowledge of money laundering typologies and financial crime red flags.
- Conduct Know Your Customer (KYC) assessments and Politically Exposed Person (PEP) screening, escalating sanctions matches to the Money Laundering Reporting Officer (MLRO) in line with regulatory obligations.
- Manage the timely, accurate reporting of Suspicious Activity Reports (SARs) under the Proceeds of Crime Act (POCA).
- Ensure the platform maintains strict adherence to UK AML regulations, Counter-Terrorist Financing requirements, and internal compliance standards.
- Analyze customer behavior and transaction patterns to identify emerging fraud typologies, money laundering schemes, and systemic risks.
- Review and assess inbound UK chargebacks, determining whether fraud is first-party or third-party, and appealing decisions where appropriate.
- Translate raw data into actionable insights, spotting anomalies that signal risk and proposing control enhancements.
- Stay ahead of emerging threats by researching new financial crime tactics, regulatory updates, and industry best practices.
- Support Member Services and Operations teams in resolving customer issues while maintaining a financial crime perspective.
- Work cross-functionally with colleagues across the business to balance customer experience with robust compliance.
- Maintain open communication with regulators and external stakeholders where required.
- Share insights and learnings with the broader Financial Crime team to strengthen collective defense.
Requirements
- 2–4 years of professional experience in financial crime investigation, AML, fraud analytics, or compliance within a regulated financial services setting.
- Deep, applied knowledge of money laundering schemes and payment fraud.
- Hands-on experience using financial crime tools: transaction monitoring systems, case management platforms, and analytical software.
- Strong grasp of UK regulatory requirements: AML Regulations 2017, POCA, Counter-Terrorist Financing regulations, and FCA guidance on financial crime controls.
- Strong ability to work with data—spotting patterns, identifying anomalies, and drawing conclusions from complex information.
- Proficiency in Excel or similar tools for data analysis; comfortable manipulating data to surface insights.
- Skilled investigator: follow evidence trails, ask probing questions, and reach sound conclusions despite incomplete information.
- Skill in writing clear, compelling investigative reports that explain complex findings to both technical and non-technical audiences.
- Proven ability to manage multiple priorities simultaneously while maintaining accuracy and meeting strict deadlines.
- Excellent organisational skills and discipline around time management.
- Meticulous attention to detail; catch errors and inconsistencies that matter.
- Self-directed and reliable; take ownership of work and outcomes.
- Fluent in English, with excellent spoken and written communication skills.
- Naturally collaborative; work effectively across departments, build trust, and understand that financial crime prevention requires teamwork.
- Curious and proactive; stay current with emerging threats, industry developments, and professional growth.
- Comfortable asking questions and learning; intellectually humble enough to know what you don't know.
- Forward-thinking mindset; anticipate risks and emerging issues rather than only reacting.
- Experience in a regulated financial institution (bank, fintech, or payments company).
- Familiarity with transaction monitoring platforms or case management systems.
- Background in KYC, customer due diligence, or onboarding compliance.
- Professional qualification in AML compliance (ICA, CAMS, or equivalent).
- Experience in fintech, digital payments, or emerging payment channels.
- Experience in fraud detection, chargeback analysis, or payment fraud prevention.
- Understanding of financial crime risks in the fintech or youth finance spaces.
Skills
- Financial crime investigation
- AML
- Fraud analytics
- Compliance
- Money laundering schemes
- Payment fraud
- Transaction monitoring systems
- Case management platforms
- Analytical software
- UK regulatory requirements
- Data analysis
- Excel
- Investigative reporting
- Priority management
- Organizational skills
- Time management
- Attention to detail
- Self-direction
- Reliability
- Communication skills
- Collaboration
- Proactiveness
- Learning agility
- Forward-thinking
- KYC
- Customer due diligence
- Onboarding compliance
- Fraud detection
- Chargeback analysis
- Payment fraud prevention
Location
- Farnborough, UK
Work Type
- Full-time
- Onsite (initially)
- Hybrid (after probation)
Experience Level
- 2-4 years professional experience
Education Level
- Professional qualification in AML compliance (ICA, CAMS, or equivalent) preferred
Benefits
- Workplace pension plan
- 33 days of holiday (including public holidays)
- Company events
- GoFlex - Work from Home, Office, or a mix of both
- Your Birthday Day off
- 25 days annual leave, in addition to 8 UK bank holidays
- Excellent Induction & onboarding program
- Ongoing learning & development
- Choice between Bupa Health Cash Plan or Bupa Private Medical
- Death in service – 4x your annual salary from month 1
- Physical and Mental Wellbeing support and platforms for you and your family
- Family-friendly leave policies
- Enhanced maternity leave
- Paternity leave
- Salary Sacrifice options
About the Company
- GoHenry is a UK-based fintech company created by parents to pioneer financial education.
- GoHenry moved into Europe and the US by joining forces with French fintech company PixPay and US investing app, Acorns.
- Together, Acorns, PixPay, and GoHenry have over 6 million members across 5 countries.
- We are focused on empowering families with engaging money management tools, educational content, and a seamless product experience that creates financial well-being from birth to adulthood.
- At GoHenry, we empower young people and families to build healthy money habits.