Job Description

Alexander Barnes is leading the search for a Financial Crime Lead to own complex FIU investigations and transaction monitoring for a high-growth, regulated fintech operating at scale across payments and consumer financial products.

 

This is a senior, hands-on FIU role with direct responsibility for complex investigations, transaction monitoring effectiveness, and regulatory escalation in a fast-moving environment.

 

This role owns complex financial crime investigations and the performance of the transaction monitoring framework.

 

Key responsibilities:

 

FIU investigations and leadership

• Lead senior investigators handling complex, multi-layered Level 3 cases.
• Conduct deep-dive investigations across transaction networks, account relationships, and product flows.
• Identify and assess sophisticated money laundering and financial crime typologies involving layering, structuring, and cross-border activity.
• Own the full investigation lifecycle from escalation through to SAR submission.

 

Transaction monitoring optimisation

• Drive ongoing tuning and optimisation of transaction monitoring scenarios and thresholds.
• Improve alert quality through segmentation, back-testing, and reduction of false positives.
• Partner with data and engineering teams on model performance, detection gaps, and monitoring effectiveness.
• Ensure monitoring remains aligned to regulatory expectations and evolving risk exposure.

 

Data-led investigation and intelligence

• Perform forensic transaction analysis using SQL and large datasets.
• Incorporate OSINT and external intelligence into investigations where required.
• Produce management information and trend analysis on emerging risks and typologies.

 

Regulatory execution and governance

• Manage SAR escalations and submissions, ensuring clear rationale, evidential support, and regulatory timelines are met.
• Support regulatory reviews, audits, and internal assurance activity.
• Act as a point of contact for complex FIU matters where escalation is required.

 

Systems and tooling

• Support enhancements to transaction monitoring platforms and data infrastructure.
• Work with internal teams on system changes, migrations, or capability upgrades.
• Integrate specialist tooling where needed to support complex investigations.

 

Team development

• Coach and develop investigators on advanced investigative techniques.
• Maintain consistent investigation standards and decision-making quality across the team.
• Stay ahead of emerging financial crime risks relevant to fintech and payments businesses.

 

Ideal background

• 7+ years’ experience in financial crime, with significant time spent in FIU or complex investigations roles.
• Proven leadership of complex investigations within fintech, payments, or digital financial services.
• Strong understanding of UK and EU AML frameworks and regulatory expectations.
• Hands-on experience optimising transaction monitoring systems and alert quality.
• Comfortable working directly with data, investigators, and cross-functional teams.
• Track record of high-quality SAR submissions and sound regulatory outcomes.
• Experience operating in fast-growth, product-driven environments.

 

Nice to have

• CAMS or equivalent certification.
• Experience with blockchain or digital asset investigations.
• Exposure to advanced analytics or model-driven monitoring approaches.