Description

Financial Crime and Regulatory Compliance Analyst, eToro Money UK


eToro is the trading and investing platform that empowers users to invest, share and learn. We were founded in 2007 with the vision of a world where everyone can trade and invest in a simple and transparent way. We have created an investment platform that is built around collaboration and investor education. On our platform, users can view other investors’ portfolios and statistics, and interact with them to exchange ideas, discuss strategies and benefit from shared knowledge. We have over 38 million registered users from 100 countries and our platform is available in 20 languages. We are a fast growing business with over 1,500 employees across 13 offices around the globe, strategically positioned to serve the needs of users. You can find out more about eToro here.

We are constantly growing and are excited to share that we are looking for a Financial Crime and Regulatory Compliance Analyst, eToro Money UK team!

This is an opportunity to support eToro Money’s rapid growth, we are looking for a hands-on candidate who will be responsible for providing financial crime and regulatory compliance oversight for our FCA authorised and regulated entity eToro Money UK. Reporting to the MLRO and supporting the Head of Compliance, within a team of 2LoD analysts you will specifically be responsible for:

Responsibilities:

Financial Crime

  • Responding to 1LoD escalations involving high-risk and monitored customers, including PEPs/RCAs, sanctioned individuals, and subjects with adverse media.
  • Providing timely reports to the MLRO regarding identified risk issues and control gaps.
  • Advising the business on financial crime matters, including guidance on account opening and closure for both retail and corporate clients, as well as other complex or grey-area cases.
  • Supporting investigations into cryptocurrency and FX transactions, SAR submissions, and responses to law enforcement requests.
  • Contributing to the governance framework of the Financial Crime team by assisting in the drafting of policies and procedures aligned with regulatory requirements, and helping the 1LoD effectively implement them.
  • Performing 2LoD quality assurance reviews across financial crime controls and supporting the execution of the compliance monitoring plan.
  • Conducting horizon scanning and intelligence reporting on local and global financial crime trends, risks, and events.
  • Designing and delivering training materials and sessions covering a broad range of financial crime typologies and associated control measures.
  • Supporting financial crime-related projects and system integrations, collaborating with internal stakeholders, external partners, and product managers.
  • Leading risk assessments and periodic reviews of system configurations and parameter settings.
  • Undertaking other ad hoc tasks or projects, such as supporting APP/PSR initiatives and contributing to REP017 regulatory reporting.


Regulatory Compliance

  • Execution of the regulatory compliance monitoring programme.
  • Horizon scanning
  • Involvement in the drafting and ongoing maintenance of robust policies and procedures across the regulatory compliance domain.
  • The submission of ad hoc & routine reporting to the FCA, including formal notifications (where required).
  • The review and approval of financial promotions / marketing campaigns.
  • Giving general compliance support.
  • Monitoring the complaints handling and vulnerability processes and reviewing and reporting on root cause analysis.
  • Responding to Financial Ombudsman Service cases.
  • Ensuring that the Firm maintains accurate, detailed and up to date records across all areas of the Firm’s business.

Requirements

  • AML/Financial Crime qualifications are advantageous.
  • Several years’ of experience in Regulatory Compliance, Financial Crime, or AML within a 2LoD function.
  • Proven experience with Consumer Duty, complaints handling, and FCA regulatory compliance, including CASS, Visa/Mastercard schemes, and EMI payment compliance/reporting.
  • Strong background in financial crime risk management, including fraud (APP scams, card fraud), AML transaction monitoring, sanctions screening, and CDD/EDD/KYC.
  • In-depth knowledge of EMI, PSP, and card issuing operations.
  • Recognised subject matter expert in Electronic Money Regulations, Payment Services Regulations, Money Laundering Regulations, and PSD2.
  • Demonstrated ability to work effectively in high-pressure, fast-paced environments with tight deadlines and performance targets.
  • Proactive, solutions-oriented mindset with a positive, can-do attitude.
  • Strong interpersonal and communication skills, with the ability to engage effectively across global teams and stakeholders in both 1LoD and 2LoD.
  • Highly organised and structured, with strong prioritisation and time management skills.
  • Competent in data analysis and proficient in Microsoft Excel and other Microsoft Office applications.
  • Quick to learn and adapt to various systems and technologies.
  • Self-motivated and mature, capable of working independently as well as collaboratively within a team.
  • Resilient and adaptable, with the ability to perform under pressure in a dynamic and evolving regulatory landscape.
  • Educated to degree level or equivalent.


Why Join Us?

We are an inclusive and social team, based in fantastic offices in Canary Wharf, London and working a hybrid home and office arrangement.  We love what we do and are proud of our culture of flexibility and autonomy.  

Our benefits include BUPA medical cover, 6% pension contribution, daily lunch allowance, as well as additional leave days – our highly valued recharge days. We have lots of other cool perks like fantastic parties, eToro merchandise, birthday money and many other special touches to keep you happy!

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