Company Description

We’re Checkout.com. You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day.

We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers.

Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale.

If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact.

With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started.

The Role

The Senior Analyst, Financial Crime Compliance is a subject matter expert in the second line of defence, supporting the MLRO in managing and strengthening the Financial Crime Compliance function in the UAE. The role provides expert advisory and judgement on high-risk clients and complex escalations, acts as a strategic partner to Sales, Onboarding, Transaction Monitoring, Legal and Product, and helps ensure adherence to UAE AML/CFT/CPF, sanctions and payments regulations.

What you will be doing

Provide operational advisory on high risk clients, whether at onboarding, periodic review or trigger event, and deliver justified opinions and recommendations. This includes EDD cases, merchant change requests and screening alerts, with CDD/EDD rigorously performed and documented.

Present well justified risk recommendations to the MLRO, DMLRO.

Investigate alerts reported to Compliance, partner with the Financial Crime Investigations Unit (FCIU) and Transaction Monitoring on escalations, and review internal unusual activity reports. Draft Suspicious Transaction/Activity Reports (STR/SARs) for MLRO decisions ensure the riskiest clients are monitored accordingly.

Proactively lead or contribute to the development and update of the local compliance framework (policies, procedures and operating memos) with the support of the DMLRO.

Provide quick and precise advisory on internal team enquiries on the application of procedures.

Contribute to updating the AML/CFT risk classification and to the assessment of new products, features and activities, including stored value and card issuing propositions.

Contribute to external reports due to regulators, and to internal reports to senior management and the Board, including business-wide and entity-level risk assessments.

Support responses to internal and external audits and regulatory engagement, and track the timely completion of resulting action plans.

Perform second line quality assurance testing of CDD/EDD and screening decisions, and feed findings into process and training improvements.

Perform regulatory watch and gap analysis between applicable regulations and sanctions and the current framework, monitor emerging typologies, and propose enhancements.

Draft training material and presentations, and run scenario-based training sessions for business units.

Act as Subject Matter Expert (SME) in various ad hoc Group and regional Compliance projects.

About you

Minimum 5+ years of experience in a Compliance function in the banking or payments space.

Prior experience in Compliance Advisory is ideal. Otherwise, a combination of 2LoD operations experience with exposure to investigations and audit handling is preferred.

Robust knowledge of financial security topics (KYC, AML/CFT, sanctions) and other compliance topics, including UAE regulatory requirements (CBUAE regulations on retail payment services, card schemes and stored value facilities) and scheme rules (added advantage).

Working knowledge of the UAE regulatory environment. Experience in a CBUAE regulated or other UAE regulated business is strongly preferred.