Financial Crime Risk Manager, GoCardless
£46.4-69.6k
+ Equity
1+ day a week in office
Making payments easier for everyone
Posted today
Making payments easier for everyone
501-1000 employees
Posted today
£46.4-69.6k
+ Equity
1+ day a week in office
501-1000 employees
Company mission
To become the world’s bank payment network.
Role
Who you are
- You have 5+ years experience in financial crime within an FCA regulated financial services firm or consultancy
- You have strong knowledge of JMLSG, FCA, FATF, Wolfsberg Group etc. guidelines and requirements
- You have experience in designing internal controls from scratch and driving their implementation
- You have experience conducting AML/CTF and sanctions compliance monitoring reviews and/or audits
- You have exceptional writing and presentation skills
Desirable
- You have a professional qualification from an internationally recognised body (e.g. ICA, ACAMS)
- You have worked within a fast growing, scale-up business
- You have good knowledge of French and/or US financial crime regulations
- Experience in managing or coordinating 6-12 month projects with multiple stakeholders
What the job involves
- We’re part of the Risk Organisation and are at the forefront of GoCardless’ global expansion
- We ensure that GoCardless adopts, implements and maintains innovative and appropriate processes and controls, paving the way for our company to deliver superb products in a compliant manner
- The Financial Crime Risk Manager will report directly to the Group MLRO and will play both a regional and global role
- The Financial Crime Risk Manager will be primarily tasked with building and maintaining effective AML/CTF and sanctions systems and controls to ensure compliance with laws and regulations in the U.K. and other GoCardless locations
- Closely follow legal, compliance, and regulatory developments in relation to AML/CTF and sanctions in the Fintech industry, to ensure our processes keep pace
- Advising on CDD escalations based on internal policies and procedures
- Monitoring and responding to AML / Sanctions-related escalations in JIRA
- Review and approval of high risk customers at onboarding (e.g. PEPs)
- Review and approval of requests for waivers, dispensations and minor policy exceptions from the first line defence
- Providing financial crime management information to senior management, analysing trends and recommending enhancements to first line controls
- Deliver targeted financial crime training to the Compliance Operations team and Sales team on areas that are identified as requiring improvement
- Executing the firm’s annual financial crime Enterprise Risk Assessment, including risk identification, inherent risk assessment and control evaluation
- Draft annual external reports to regulatory authorities, and liaise with the FCA, NCA and other external agencies where applicable
- Promoting a culture of good financial crime management across the firm
- Cover MLRO annual leave / absences
- Project work:
- Support on the Financial Crime Risk roadmap project to design and deploy control enhancements throughout the company
- Objective & Key Result tracking - tracking progress against 6-monthly goals set at the team level, and coordinating within the organisation to accurately provide progress updates
Our take
GoCardless has emerged to facilitate recurring payments, with a focus on streamlining the subscription economy. After securing $75M in 2019 for international expansion, the company now operates in over 30 countries, processing over $130B annually across more than 2500 for 100,000 businesses.
Recent advancements include the acquisition of Nordigen in 2022, enabling GoCardless to leverage OpenBanking functionality and establish a robust platform for direct bank-to-bank payments. The company also achieved an impressive $312 million in Series G funding in 2022. With a strategic eye on the future, GoCardless introduced GC Embed, a white-labeling product granting other payment providers access to its premier bank payment platform.
This success is underscored by the company's commitment to innovation, exemplified by its 2019 partnership with TransferWise, integrating foreign exchange rates into its services. GoCardless continues to evolve, navigating the complex landscape of recurring payments and staying ahead of competitors like Stripe and Square, who are beginning to enter the subscription economy. With a global footprint spanning the UK, France, the US, Ireland, Latvia, Portugal, and ANZ, GoCardless remains at the forefront of reshaping how businesses manage and process recurring payments on a massive scale.
Steph
Company Specialist at Welcome to the Jungle
Insights
Company
Employee endorsements
Opportunities to learn
"I love that we have an environment of trying new things and if it doesn't work, it's okay, as long as you learn from it. This has enabled me to..."
Funding (last 2 of 10 rounds)
Feb 2022
$312m
SERIES G
Feb 2021
$105m
SERIES F
Total funding: $634.5m
Company benefits
- Enhanced maternity, paternity and shared parental pay
- 27 days holiday (excl. bank holidays)
- Work-away scheme
- Health insurance
- 4 additional wellbeing days off per year
- Equity grant for all permanent employees
Company values
- Start With Why: We believe you can only do a job properly when you know why you are doing it. Understanding why we care about the problem motivates us to keep going until we’ve solved it
- Make it Happen: We work with urgency, and take personal accountability for getting things done in pursuit of our vision.
- Care Deeply: We care deeply about our impact on the world and those around us
- Act with Integrity: We do what’s right even when no one is watching. We don't see doing the right things as a choice — we act with integrity regardless of the cost
- Be Humble: We act without ego and don’t let excuses get in the way of achieving our goals. We believe life's too short for self-importance
Company HQ
Clerkenwell, London, UK
Articles
Leadership
Hiroki Takeuchi
(Co-Founder & CEO)Hiroki and Matt met when they were consultants. They started GoCardless during Y Combinator. Hiroki was previously a Business Analyst at McKinsey & Company.
Matt Robinson
(Co-Founder & Board Member)Started company supplying waiters to events while at school, before joining McKinsey. Founded Nested Estate Agents in 2015 where they currently serve as CEO.
People progressing
Beccy joined GoCardless as a Sales Development Representative in May 2018 and has since had 3 promotions to become Senior Manager.
Steph joined GoCardless as an Intern in the Compliance team 4 years ago and she's now the Manager of the team.
Salary benchmarks
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Diversity, Equity & Inclusion at GoCardless
Lena Tailor (Director of D&I)
- Given the large number of hires we have been making in recent months, we have continuously reviewed both our hiring processes and channels to eliminate bias. We’ve introduced programs that attract diverse talent and we continuously seek to create hiring experiences that are fair, transparent and accessible by all
- We are working on creating a transparent framework for how we grow and develop talent in a scaling organisation. This will include bringing more clarity on internal career opportunities and provide clear expectations on the behaviours we want to see aligned to our values and commitment to building an inclusive organisation
- We have introduced systematic processes to help ensure compensation decisions are data-driven, fair and competitive. We have also invested in Reward capability and expertise to ensure we bring pay equity into every step of the employee journey
- Thanks to these employee-led groups we have been able to further our efforts in voluntary diversity data collection this year, to develop support for parents and carers, offer community mentoring opportunities in partnership with Career Accelerator, help to raise awareness and empathy during significant events of the past year, and importantly, offer more employees a community of people with whom they share experiences and interests
- To strengthen our commitment to D&I we have recently appointed our first Director of Diversity & Inclusion, an experienced culture change leader, which will allow us to have a more strategic and systematic approach to building a diverse and inclusive organisation for the long term and as we scale
- The Director will work with the executive team and ERGs to define clear D&I targets that GoCardless will commit to achieving over the next three years, and to develop a structured roadmap of initiatives aligned with those targets
- This will create greater clarity and accountability across the entire organisation on D&I progress
- We’ve got a long way to go, but here’s how we’re doing as of June 2022 - Female Employees - 46% - Ethnic background - 32% - Identify as LGBTQIA - 10% - Neurodivergent - 9%
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