Financial Crime Analyst


About the job

About Us

The payments market is the most exciting technology market in the world today for good reason. McKinsey values it globally at over $2 trillion and it’s growing between 13-15% year-on-year. Some of the largest most dynamic brands are investing in this sector; Apple has ApplePay, Google has GooglePay, Amazon has AmazonPay, and it’s not just the Silicon Valley brands. Tencent owns WeChatPay, Alibaba owns Alipay and digital disruptors like Square, Stripe and Adyen all invest millions to grow the payments market.

Planet are a technology company that’s transforming payments by putting the customer experience first. We help our customers deliver a better experience for guests, shoppers, and consumers everywhere. We operate in a market that continues to evolve and expand, partnering with the world’s most prestigious brands across Retail and Hospitality, and with a network of Financial Services partners worldwide.

To meet consumer demands, payments must be simple, safe, and invisible. The only way to do this is to fully embed payments in the software and networks that runs business. By combining networks, software and payment technology, Planet’s creating a world of connected commerce, that makes payments feel good.

We’re growing organically, and with strong Private Equity investors, Advent International and Eurazeo, we’ve the financial capital and expertise to grow our capabilities and reach through acquisition.

Legal, Risk & Compliance Overview

  • The Legal Risk & Compliance team is the creative conscience of Planet – we partner closely with the business, look around corners and lead by example. As our core values in LRC, we are:
  • Protective – Driven to protect the business from all manner of legal, regulatory, commercial, and compliance issues
  • Progressive – Vigilant in anticipating the needs of the business amidst a dynamic payments industry and regulatory environment
  • Practical – Creatively pragmatic in the design and delivery of legal, regulatory, commercial, and compliance support that advances our business

With these values, we provide solutions that enables Planet’s strategic business goals whilst meeting its regulatory obligations as we expand organically, geographically and by acquisition.

Effective risk management is considered pivotal to Planet and we are seeking a Financial Crime Analyst to support the continued development of our payments business.

Role Overview

The successful individual will support the Financial Crime Manager with Planet’s financial crime monitoring process, systems and operations, covering all parts of the payments and tax-free businesses.

The Financial Crime Analyst will be expected to engage across the business, building relationships with key internal stakeholders and provide assurance that financial crime is being effectively managed throughout Planet’s acquiring operations.

What You Will Do

  • Conduct risk-based investigations on financial crime alerts escalated by the financial crime system in a swift and efficient manner;
  • Manage your own caseload, ensuring the appropriate actions are taken on each case in a timely manner;
  • Ensure all regulatory and Scheme mandated actions are completed in a timely manner, such as raising SARs, adding merchants to Scheme watch lists etc.
  • Provide input to system rule changes, based on financial crime trends and events identified during the investigation process;
  • Assist in the defence and prevention of Visa and MasterCard chargebacks & payment disputes for Planet merchants;
  • Assist in the development of appropriate financial crime review processes
  • Support the wider Planet financial crime team with their financial crime review process, where required;
  • Do your part to ensure that all activities comply with relevant legislation and regulation.

Who You Are

  • Strong academic record, preferably to degree level, supported by any relevant sector related and / or professional qualifications;
  • Appropriate level of knowledge and experience of best practice fraud and financial crime risk management and governance frameworks and methodologies;
  • At least 3 years of first or second line fraud/financial crime risk experience;
  • Experience of working in Financial Services or Payments and a knowledge of card scheme rules related to compliance, risk and disputes, is a pre-requisite
  • Ability to act as a ‘business partner’ to the organisation and not purely fulfil a box ticking mandate; the ability to provide strategic, analytical and business support;
  • Excellent communication skills with the credibility to gain respect internally and, to the extent appropriate to the role, externally with people at all levels;
  • A strong analytical thinker with the ability to impact and influence
  • A passion for simplification and efficiency/ process improvement
  • Excellent oral and written communication skills with advanced skills related to the preparation and submission of internal reporting and external regulatory, and risk/compliance reports
  • The ability to manage and prioritise multiple tasks and work under demanding conditions with many interruptions
  • A business mindset with a drive to find solutions that allow business and market share growth in a prudent and long-term-oriented approach
  • A high degree of discretion and the ability to work with sensitive and confidential data
  • Honesty, integrity and resilience

Why Planet

Planet is an equal opportunity employer where diversity is valued, and all employment is decided based on qualifications, merit, and business need.

Come and grow your career in the most exciting, fast paced technology market, with a business that delivers feel-good connected commerce. We would love to hear from you – Apply now.

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