Compliance Onboarding Analyst
Edinburgh, UK
Full time
In office 4 days/week
- Are you someone who thrives on curiosity, loves experimentation, and constantly seeks innovative ways to solve problems?
- Do you want to be hands-on in embedded payments, while continuously learning and developing in a dynamic environment?
- Do you want to play an important role in one of Europe's fastest-growing fintech companies?
If the answer is yes, we'd love to connect with you!
Who We Are
Our vision is a world where all businesses are powered by embedded payments. Modulr enables businesses, from SMEs to Enterprise, initially across the UK and Europe to efficiently pay-in, collect and disburse funds instantly via a range of payment schemes, accounts, and card products. Find out more about us on our website and careers site.
What You'll Do
- Conduct Customer Due Diligence (CDD) for both individual and corporate clients, including Simplified and Enhanced Due Diligence, screening and reviewing for adverse media, sanctions, and Politically Exposed Persons (PEP) profiles.
- Review and update customer records in accordance with FCA guidelines, UK/EU AML directives, and internal risk policies.
- Collect, verify, and assess KYC/KYB documentation, including ID, address proof, and ownership structures.
- Perform sanctions, PEP, and adverse media screening, escalating any hits or anomalies per escalation protocols.
- Complete Client Risk Assessments and produce clear, well-reasoned outputs.
- Collaborate with internal and external teams to resolve gaps or discrepancies in onboarding cases.
- Ensure accurate documentation of all due diligence activities, maintaining audit readiness and GDPR compliance.
- Identify and suggest improvements to the CDD onboarding process, including automation opportunities.
Who You Are
The ideal CDD Introduced Onboarding Analyst will be comfortable operating in a high-volume, regulated environment and bring a genuine interest in financial crime and FinTech.
What you'll need
- Minimum 2 years of experience in CDD, KYC, AML, or financial crime roles within a regulated financial institution or fintech.
- Solid understanding of UK/EU AML regulations, including JMLSG guidance and FCA expectations.
- Familiarity with various client types and structures, including corporates, trusts, partnerships, and beneficial ownership.
- Strong analytical skills and attention to detail, with a proven ability to manage high volumes of work accurately and to deadline.
- Experience using screening and data tools such as Orbis, Moody's, or equivalent platforms.
- Excellent written and verbal communication skills.
- Proficiency in Excel, CRM/KYC platforms, and document management systems.
- Ability to work independently with accountability, while collaborating effectively within a team to achieve shared goals.
Nice to haves
- Experience across multiple jurisdictions or client types (e.g., trusts, partnerships).
- Familiarity with EU business structures and cross-border AML frameworks.
- A curious mindset and drive to explore how automation or technology can improve CDD processes.
What We Offer You
- Share Options – We offer a Company Share Option Plan (CSOP), giving you the opportunity to benefit from any increase in share value in the event of a sale, merger, or flotation.
- Bonus – Our annual discretionary bonus, paid in May for the previous year, is based on both company and individual performance.
- Flexible benefits – £1,000 to spend on benefits to suit you, including private medical insurance, gym membership, dental etc.
- Wellbeing app – confidential, on-demand access to therapy, coaching, counselling, management training or mindfulness sessions with accredited professionals, with company-funded hours and top-up options available.
- Holidays – 33 days annual leave (including bank holidays) plus your birthday off. In the UK, Christmas Day, Boxing Day, and New Year's Day are fixed holidays. You can choose the remaining days to suit your personal schedule.
- Learning opportunities – Our two-day onboarding programme, ModStart, helps equip you for success. Learning doesn't stop there; we'll continue to support your development through various channels.
- Company-Wide Events – Participate in collaborative and engaging events with colleagues across the business.
- Bike to work / E-bike scheme
ModInclusion
At Modulr, we're committed to building a diverse, equitable and inclusive culture where everyone feels they belong and can bring their whole self to work. We welcome applications from candidates of all backgrounds as we believe it's the right thing for our people, our business, and the community we operate in.
By submitting your CV, you consent to us using your personal data to assess your application, contact you, or share your CV with relevant hiring managers. You can request removal of your data at any time by emailing [email protected] - though this will withdraw you from consideration for the role.
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