Financial Crime Associate
WealthKernel
Accounting & Finance
Posted on Dec 12, 2025
About the company
WealthKernel is a VC-backed, award-winning FinTech company that specialises in the Wealth Management industry. With a commitment to making financial services better and more accessible, WealthKernel is an API-first technology company on a mission to become the AWS of savings, investment, and pension infrastructure.
About the job
The Financial Crime Analyst will play a crucial role in supporting and strengthening the firm’s financial crime framework across the UK and EU. The role focuses on monitoring, investigating, and mitigating financial crime risks while ensuring compliance with applicable regulations, including the Money Laundering Regulations 2017, Proceeds of Crime Act 2002, UK Bribery Act, FCA rules, and EU AML directives.
This position works closely with cross-border teams and international client profiles, including exposure to high-risk jurisdictions, offshore structures, and complex ownership arrangements. The Analyst will support the Financial Crime Manager and MLRO in maintaining robust, risk-based controls across the organisation.
IMPORTANT: This is a fully remote role; however, we can only consider candidates who are legally based and authorised to work in either the United Kingdom or Spain.
Key Responsibilities
Client Onboarding & Due Diligence
Conduct customer due diligence (CDD) and enhanced due diligence (EDD) on individuals, corporates, trusts, and complex client structures.
Assess financial crime risks related to clients from high-risk or FATF-listed jurisdictions and ensure appropriate mitigating controls.
Perform cross-border risk assessments where clients or transactions involve differing regulatory standards.
Transaction Monitoring & Investigations
Conduct ongoing transaction monitoring and review alerts for potential indicators of money laundering, terrorist financing, sanctions breaches, bribery, or corruption.
Investigate red flags, document findings, and prepare internal suspicious activity reports (SARs) for escalation to the MLRO.
Sanctions Screening & Adverse Media
Screen clients, transactions, and counterparties against OFAC, UN, EU, HMT, and other relevant sanctions lists.
Monitor clients for adverse media, reputational risks, and high-risk sector involvement.
Cross-Border & High-Risk Jurisdiction Expertise
Provide guidance on financial crime risks associated with servicing clients in high-risk jurisdictions.
Assess implications of cross-border activity and regulatory expectations across different regions.
Collaborate with overseas offices, partners, and service providers to ensure alignment of financial crime controls.
Policies, Procedures & Training
Contribute to the development and maintenance of AML, sanctions, and financial crime policies and procedures.
Support the delivery of internal training on AML, sanctions, cross-border risk, and high-risk jurisdictions.
Regulatory Reporting & Record-Keeping
Support the MLRO with regulatory responses and ad hoc information requests from the FCA, NCA, or other authorities.
Maintain accurate, organised records of risk assessments, investigations, and escalations in line with audit requirements.
Requirements
Essential
- At least 2 years’ experience in a financial crime, AML, or compliance role within financial services (e.g., payments, banking, investment or wealth management).
- Strong understanding of UK and EU AML regulations (MLR 2017, POCA 2002, UK Bribery Act, FCA SYSC).
- Hands-on experience conducting EDD on high-risk jurisdictions and FATF-listed countries.
- Familiarity with complex client structures including trusts, offshore entities, PEPs, and beneficial ownership.
- Experience working with international clients across multiple jurisdictions.
- Proficiency using sanctions screening and transaction-monitoring tools.
- Strong analytical, investigative, and written communication skills.
- Ability to work independently, manage priorities, and escalate risk appropriately.
- Strong attention to detail and excellent organisational skills.
Nice-to-haves
- Experience within an international or multi-jurisdictional financial services firm.
- Prior exposure to cross-border onboarding and jurisdictional risk assessments.
- Knowledge of global AML frameworks (EU AMLDs, FATF Recommendations).
- Financial crime qualification (ICA, ACAMS, etc.).
Benefits
Why us?
- We believe in transparency and empowering people.
- We want you to challenge us — and to feel comfortable being challenged back.
- We value learning from mistakes and encourage experimentation.
- We focus on outcomes, not micromanagement — we trust you.
- You’ll have the opportunity to grow and develop new skills in an open, collaborative environment.
- You will work closely with experienced professionals who are always one click away when you need support.
Company Benefits
- Multicultural working environment
- Positive and collaborative company culture
- Competitive compensation package
- 22 days of holiday (plus bank holidays)
- Fully remote role (forever!)
- Company team retreats
- If you have the confidence, energy and passion to take on this challenge and join a unique firm, we’d love to hear from you.