Team As the Financial Crime Manager, you will play a crucial role in steering the daily AML operations to ensure an efficient and compliant onboarding of our customers as well as ensuring compliance with relevant regulations, implementing effective financial crime prevention measures, and managing a high performing financial crime function. This position requires experience in steering a high performing operations team, a strong understanding of financial crime risks, knowledge of relevant legislation, and the ability to develop and maintain robust financial crime controls in a fast paced environment. Your Responsibilities Lead and manage the first line UK AML/KYC operations team by steering the daily operations, proactive capacity planning, acting as a senior point of escalation within the team and managing the team effectively ensuring that SLAs are met and that effective training and feedback is provided where needed. Support the UK AML/KYC operations team with investigating suspicious activities, conducting internal investigations, and reporting findings to the relevant authorities including owning all relevant financial crime procedures. Act as the internal SME for all financial crime matters including supporting internal teams and projects as needed, in conjunction with the MLRO. Own and maintain effective QA procedures on KYC and financial crime prevention activities, and provide feedback and training to the team where necessary. Own and maintain a comprehensive financial crime risk management framework in accordance with FCA regulations, industry best practices (JMLSG), and internal policies including robust customer due diligence (CDD) and enhanced due diligence (EDD) processes to ensure compliance with anti-money laundering (AML) regulations and Know Your Customer (KYC) requirements. Own and maintain effective systems and controls to detect, prevent, and report suspicious activities, including transaction monitoring and sanctions screening, in conjunction with the UK MLRO. Own and maintain relationships with relevant external stakeholders, including law enforcement agencies, other financial institutions and third party AML providers. Conduct regular risk assessments to identify and evaluate potential financial crime risks, including money laundering, fraud, bribery, corruption, and terrorist financing. Prepare and submit regular reports to the MLRO and relevant committees on financial crime risks, mitigation measures, and the effectiveness of controls. Collaborate with internal stakeholders, including senior management, legal, and compliance teams, to ensure alignment of financial crime prevention strategies with business objectives. Oversee the provision of training and guidance to employees on financial crime prevention, raising awareness, and fostering a culture of compliance throughout the organisation. Monitor and analyse emerging financial crime trends, regulatory developments, and industry practices to ensure proactive risk mitigation strategies and to cascade these through the team and business as necessary. Your Profile Demonstrated experience in leading and managing a high performing operations team, including setting clear objectives, providing feedback, and promoting professional development. Extensive experience (5 years) in a similar financial crime management role within a UK FCA regulated financial services business. Strong knowledge of UK financial crime legislation and regulations, including the Proceeds of Crime Act (POCA), Money Laundering Regulations, Terrorism Act, and the JMLSG. Proven experience in developing and implementing effective financial crime risk management frameworks, policies, and procedures in small, fast paced organisations. In-depth understanding of AML/KYC requirements and industry best practices (JMLSG/ FCA reviews), including on customer due diligence and enhanced due diligence requirements and proactive approach to staying up-to-date with regulatory changes and emerging risks Excellent written and analytical skills with the ability to identify and assess financial crime risks and propose appropriate mitigation strategies with a strong attention to detail. Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels of the organisation. High level of integrity, ethical conduct, and professionalism in dealing with sensitive financial crime matters. Ability to work independently, prioritise tasks, and meet deadlines to a high standard in a fast-paced and dynamic environment. Experience using third party KYC, Sanction screening and transaction monitoring tools and third party platforms. Bachelor's degree in finance, business, law, or a related field. A relevant professional qualification (e.g., CAMS, ICA, or equivalent) is highly desirable. Join our mission, join our team - and grow with us At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, who are at the heart of our success. As part of the Raisin UK team, you benefit from: Employee Development Budget of £1,700 and 4 full training days per year. Access to Babbel for continuous learning. Always hungry? Breakfast, snacks, daily fresh fruit and drinks are at your disposal around the clock. We are hybrid working, we are in the office twice a week, giving the team the opportunity to collaborate and spend time together. Wednesday is our core day in the office. We offer 28 days Bank Holidays of holiday a year. One day birthday leave and gift voucher to celebrate your birthday. We offer you a company stakeholder pension with a minimum employer contribution of 5%. The opportunity to experience our annual retreats in exciting European cities and other team building events. About us Raisin is the trailblazer in the savings and investment space. Founded in 2012, the fintech company started by opening the $95 trillion deposits and investments market of the European Union, the United Kingdom and the United States to consumers. Today, Raisin serves more than one million customers in these three markets, offering savings products as well as investment and pension products. This makes the Berlin-based fintech one of the leading global savings and investments marketplaces. Savers get a wider choice of attractive products with the ability to move their money freely. In addition, financial service providers get best-in-class marketplace solutions for their customers, and banks get better access to retail funding. Raisin operates its own B2C marketplaces in Europe and the U.S. under the brands Raisin, WeltSparen and ZINSPILOT. In Germany, the company offers ETF-based investment and retirement products, Private Equity and Crypto investments, and savings products. Raisin works with over 400 banks and financial service providers from over 30 countries. Raisin has €50 billion AuA and generated over €1 billion in interest for its customers worldwide. Raisin is backed by renowned international investors such as b2venture, Deutsche Bank, Goldman Sachs, Greycroft, Headline, Index Ventures, Latitude Ventures, Orange Ventures, PayPal Ventures, Top Tier Capital Partners, Ribbit Capital, Vitruvian Partners and M&G. The company has offices in Berlin, Frankfurt, Hamburg, Madrid, Manchester, Munich and New York. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.