UK Consumer Credit Complex AML Investigations & Outsourced Review Specialist — Remote (Lithuania)

Overview

Review higher-risk transaction monitoring alerts for consumer payment and credit products, analyze customer and transaction records, prepare internal suspicious-activity reports and calibrate outsourced case review standards. Work remotely from Lithuania while collaborating with U.K. compliance and financial-crime stakeholders.

Requirements

• Substantial hands-on AML, transaction monitoring or financial crime investigations experience in fintech, banking, payments or consumer lending.
• Experience independently investigating complex monitoring alerts, unusual payments and higher-risk customer activity.
• Understanding of money laundering, terrorism financing and financial crime typologies and investigative evidence.
• Ability to write clear, defensible internal suspicious activity narratives and escalate material risk to Compliance and the MLRO.
• Fluent written and spoken English for case records and cross-functional communication.
• Strong independent judgment, analytical attention to detail and investigative communication.
• Ability to review escalated cases from an outsourced AML partner and give clear feedback on investigative quality; previous formal BPO quality-assurance experience is preferred, not mandatory.
• Familiarity with U.K. AML rules, PEP/sanctions/EDD, law-enforcement requests, SQL/Looker or AML certifications is preferred rather than mandatory.

Responsibilities

• Investigate complex and escalated transaction-monitoring cases using account and behavior records.
• Assess whether suspicious cases should close, receive further investigation or escalate.
• Review higher-risk cases and quality-assure work completed by outsourced AML reviewers.
• Prepare evidence-based internal suspicious activity reports for compliance and MLRO review.
• Investigate PEP, sanctions, enhanced due diligence and suspicious customer transactions.
• Coordinate authorized law enforcement or regulatory information requests.
• Monitor case backlogs, QA trends and investigative quality and improve alert playbooks.
• Provide feedback on monitoring scenarios, false positives and emerging fraud patterns.

Conditions

• Full-time fully remote position based in Lithuania.