Economic Crime Investigator

Economic Crime Investigator

Birmingham/ Hybrid | Fixed Term (until February 2027)

At Unity Trust Bank, we’re proud to be bold in our ambitions, straightforward in our approach, inclusive in our thinking, and guided by integrity and collaboration in everything we do. We believe that banking should serve the common good—and that starts with understanding our customers deeply and acting on what matters most to them. Guided by our values—and our commitment to Consumer Duty—we ensure our security practices protect both our organisation and our customers.

The Ongoing Monitoring Team plays a key role in protecting the bank and its customers from financial crime. We complete end‑to‑end Know Your Customer (KYC) and Know Your Business (KYB) reviews for commercial and non‑personal entity customers, ensuring compliance with UK Money Laundering Regulations, JMLSG guidance, and internal financial crime standards.

Key Responsibilities

• Conduct full KYC/CDD reviews for a wide range of non‑personal entities, including Limited Companies, Charities, Trusts, Foundations, Clubs/Societies, and Religious Organisations.
• Analyse existing customer information and identify documentation gaps based on entity type, risk profile, and regulatory requirements.
• Collate, assess, and verify CDD documentation such as ownership structures, governance frameworks, and business activity details.
• Perform open‑source research (OSINT) using Companies House, Charity Commission, and other reputable sources to validate customer information.
• Carry out PEP, Sanctions, and Adverse Media screening, documenting outcomes and escalating high‑risk cases where appropriate.
• Review transactional activity and historic alerts to identify anomalies, inconsistencies, or red flags linked to money laundering, fraud, bribery, corruption, sanctions breaches, or reputational risk.
• Engage directly with customers via phone and email to request information, clarify details, and progress cases efficiently.
• Produce clear, risk‑focused assessments and recommend mitigation actions or customer exit where required.
• Maintain accurate, audit‑ready records aligned to internal controls and quality standards.
• Support knowledge sharing and capability building across the wider Economic Crime teams.

What We’re Looking For

• Experience in KYC/CDD, financial crime investigations, or a related risk/compliance role.
• Strong analytical skills with the ability to interpret complex information and identify risk indicators.
• Confidence in managing your own workload and making sound, independent decisions.
• Excellent communication skills, both written and verbal, with the ability to engage customers professionally.
• A proactive approach to risk awareness and a commitment to Treating Customers Fairly

If you’re passionate about protecting the bank from financial crime, confident analysing complex customer information, and motivated by meaningful investigative work, we’d love to hear from you. Join us in strengthening our defences, shaping better outcomes for our customers, and helping build a safer, more resilient organisation.

The Full Job Description Is Available On Request.

We are proud to have an inclusive recruitment process, which we pride ourselves on flexing to be accessible to all. We believe that inclusive and accessible recruitment opens our doors to a broader, more diverse talent pool—bringing in candidates with varied backgrounds, experiences, and perspectives. We strive for this diversity to strengthen our decision-making, fuel creativity, and to drive innovation across the bank.

If you are interested in joining the bank, we are committed to creating a process that meets your individual needs. We want to help you in whatever way you need to put your best, true self forward in our recruitment process, please reach out to ***email_hidden*** to discuss how we can collaborate with you on this.

If you require any this advert in a different or more accessible format, please contact ***email_hidden***.