Financial Crime Operations Officer

Job Title: Financial Crime Operations Officer (FC Ops) 
Salary: Up to £35,000 and up to 20% bonus and benefits
Location:  Flexible - Embrace fully remote or hybrid work from any of our vibrant UK offices in London, Cardiff, Durham, or Blackpool
Working Pattern: Permanent full-time role (36.25 hours per week) to be worked on a 7-day contract to align with business needs. This role is required to support weekend working. We are open to flexible working arrangements, including job share. If you are interested in applying as part of a job share, please indicate this in your application. 

About Tandem 

We are Tandem - Where impact meets innovation   

Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share – all while nurturing our planet, our people and our customers. As one of Europe’s fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future.   

Financial Crime Operations (FC Ops)  

We’re building an amazing, centralised department and we’re looking for an ambitious and purpose-driven Financial Crime Controls & Assurance Officer to join us.  

You will be working in the Financial Crime Operations (FC Ops) department, reporting Financial Crime Operations Assistant Manager.  The department is in an exciting transformation phase, where FC Ops are creating a first line centralised function that will support all products offered by Tandem. This expansion will provide the successful candidate with opportunities to grow and develop as the department matures.   

What you will be working on: 

• Reviewing and making decisions on potential PEPs, sanctions and adverse media screening alerts. 

• Performing Customer Due Diligence (CDD) and, where appropriate, Enhanced Due Diligence (EDD). 

• Conducting ongoing monitoring via periodic reviews and trigger events 

• Investigating Suspicious Activity Reports. 

• Critically analysing processes and controls, making recommendations for optimisation. 

• Proactively contributing to the success of the department by sharing knowledge and ideas, a willingness to challenge the status quo. 

• Supporting business areas in financial crime related queries and providing approvals when required. 

• Supporting other functions in FC Ops where required. 

What we're looking for:  

• Minimum of 3 years-experience in financial crime and/or fraud prevention roles within FCA regulated financial services firms. 

• Understanding and hold working knowledge of key legislation, regulatory bodies and best practice across the financial crime space. 

• Comprehensive understanding of a customer life cycle for various financial products to include savings and lending. 

• Excellent knowledge and experience in manage financial crime risks including but not limited to PEPs, Sanctions and Adverse Media, transaction monitoring, periodic reviews. 

• Experience in industry recognised screening and case management platforms.  

• Dedication to personal development, including a desire to explore professional qualifications in financial crime (e.g. ICA/ACAMS/CFE). 

• Strong risk management skills, which can be adapted, in line with the business risk-appetites.  

• Ability to analyse information to make informed and well-balanced judgements, and accurately document rationales. 

Qualities we look for: 

• A passion for championing the customer. 

• Motivated by purpose-led organisations. 

• High levels of personal and professional integrity. 

• Inquisitive and analytical nature with a strong attention to detail, and a willingness to challenge. 

• Adaptable and flexible. 

• Goal orientated. 

• Ability to work independently and as part of a team. 

• A strong work ethic and a focus on delivery. 

• Excellent communication skills, both oral and written. 

Rewards that reflect your value, what’s in it for you? 

At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us:  

• 25 days annual leave plus 8 days Bank Holiday   

• An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc 

• Buy or sell up to 5 days holiday a year 

• Healthcare cash plan through Westfield Health worth a minimum of £750 per year 

• Electric Vehicle salary sacrifice scheme    

• Cycle to Work salary sacrifice scheme and a free helmet   

• Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) 

• Smart Tech scheme (buy goods with 0% interest) 

• 10% discount on solar panels 

• Tandem Hub for treats, cash back and discounts on UK retailers    

• 2 days per year paid volunteering    

• Free cereal, snacks and drinks in all offices 

• Quarterly team social budgets 

Our Green Deal: Your Impact Amplified 

A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: 

• Volunteer 2 days a year for charity > receive an early Friday finish  

• Raise £200 per annum for charity > Tandem provide PR and marketing support  

• Have renewable energy at home > receive an additional 1-day annual leave  

• Drive an electric car > receive £500 towards a home charger 

 
Ready to make your mark?  

Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.  

 
Sourcing Model 

Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. 

Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.  

Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.