Zopa - Senior Financial Crime Investigation and Mule Risk Strategy Lead
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Requirements
• Extensive experience in Financial Crime and Fraud typologies and their modus operandi, in-depth knowledge of regulations and compliance requirements. Knowledge must have been developed having worked within the banking industry, whilst collaborating with colleagues from law enforcement, security, government. • Experience in setting up a FIU and have hands-on experience in conducting investigations, knowing when to stop digging, when data is sufficient for the purpose of the analysis, when to further validate assumptions without leaping to conclusions. • Have up to date knowledge of emerging mule trends, typologies, and financial crime risks impacting the FinTech and Financial institutions. • You'll thrive if you • Love working collaboratively with cross-functional teams to solve complex problems. • Translate findings into effective summaries, reports, action plans to communicate output of the investigation and drive action. • Have an inquisitive mind and enjoy analysing large dataset to draw meaningful conclusions. Communicate findings to drive action to a non-technical audience into clear, actionable insights, making compelling arguments using data to affect change. • Please note, this role requires participation in an on-call rota to manage fraud and financial crime risk events outside of standard working hours. • At Zopa we value flexible ways of working. • We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week. • You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one. • Subject to having the right to work in the country of choice • Diversity Statement • Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.
Responsibilities
• Investigate and analyze financial crime trends within the organization to develop effective strategies for mitigating risks associated with mule activities. • Collaborate with internal teams across departments such as IT security, compliance, risk management, legal affairs, customer service, fraud prevention, loss control, audit functions and others in developing comprehensive financial crime policies and procedures to protect the organization from potential threats posed by mules within our network. • Develop a robust internal training program for employees on identifying suspicious activities related to money laundering or other forms of fraudulent behavior that may involve individuals acting as 'mules'. This includes creating educational materials, conducting workshops and seminars, developing eLearning modules, etc. • Monitor financial transactions within the organization for any signs of suspicious activities related to mule operations or other forms of fraudulent behavior that may involve individuals acting as 'mules'. This includes analyzing transaction patterns, identifying red flags and reporting potential issues promptly through established channels. • Develop a comprehensive risk assessment framework tailored specifically for the organization's unique needs in order to identify vulnerabilities within our financial systems or processes which could be exploited by mule activities. The framework should include regular audits of internal controls, policies, and procedures related to anti-money laundering (AML) compliance as well as ongoing monitoring of external threats such as emerging fraud trends in the industry. • Collaborate with senior management and other stakeholders within the organization to develop a clear understanding of their expectations regarding financial crime prevention efforts, including setting measurable goals for reducing mule risks over time through improved detection capabilities or enhanced employee awareness programs among others based on feedback received from them. • Develop an effective communication strategy aimed at raising awareness about the dangers posed by individuals acting as 'mules' within our organization amongst employees across all levels of hierarchy while also ensuring that relevant information regarding potential threats is shared promptly with appropriate authorities outside when necessary (e.g., law enforcement agencies). • Participate in industry conferences, workshops or other events focused on financial crime prevention where applicable to stay abreast of latest developments related specifically towards combating mule activities within organizations similar/different from yours; this may involve presenting research findings at these gatherings if relevant experience exists among team members already working in such capacities elsewhere. • Maintain up-to-date knowledge about current laws governing financial crimes including anti-money laundering regulations as well as best practices adopted by leading organizations within this field worldwide; ensure that all policies implemented internally align with these standards wherever possible without compromising organizational objectives or competitive advantage over time.
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