Economic Crime Intelligence Investigator

🔐 Economic Crime Intelligence Investigator

📍 Birmingham/ Hybrid | 💼 Fixed Term

We are strengthening our defence against financial crime and seeking an Economic Crime Intelligence Investigator to join our Investigations & Intelligence function. This is a critical role protecting the organisation, its customers, and its assets from fraud, money laundering, terrorist financing, proliferation financing, bribery, corruption, sanctions breaches, and other financial crime threats.

Operating both proactively and reactively, you will analyse intelligence, investigate suspicious activity, identify emerging risks, and make independent, risk‑based decisions that directly influence customer safety and regulatory compliance. This is a role for a confident investigator who thrives on autonomy, critical thinking, and high‑stakes decision‑making.

🔑 Key Responsibilities

Monitoring & Quality Assurance

• Assure the quality and accuracy of 1LOD financial crime outputs.
• Review and challenge alert decisions across transaction monitoring, screening, and fraud systems.
• Assess customer risk reviews and due diligence, providing expert challenge.
• Produce clear assurance findings and escalate recurring control gaps.

Investigations & Intelligence

• Lead investigations into suspected AML/CTF, sanctions, fraud, bribery, corruption, and PEP risk.
• Analyse internal and external intelligence to identify threats and emerging typologies.
• Grade and act on intelligence from law enforcement and industry partners.
• Draft high‑quality SARs and maintain audit‑ready investigative records.

Advisory & Internal Support

• Provide specialist advice to CDD, Ongoing Monitoring, Transaction Monitoring and Fraud teams.
• Recommend mitigation strategies and assess whether customer relationships remain within appetite.
• Advise on unusual activity, external intelligence, and emerging risks.

Procedure Development & Training

• Support the development and enhancement of 1LOD economic crime procedures.
• Communicate regulatory changes and process updates to operational teams.
• Contribute to training and awareness materials to strengthen financial crime capability.

Collaboration & External Engagement

• Engage with industry bodies, law enforcement, and regulators to share intelligence.
• Maintain awareness of new risks and translate insights into practical guidance.

Risk‑Based Decision Making

• Make independent, evidence‑based decisions on customer and transactional risk.
• Challenge unclear information and request further evidence where needed.
• Balance customer impact, financial loss, and regulatory obligations.
• Document decisions clearly and proportionately.

🎯 What We’re Looking For

• Strong experience in AML/CTF, fraud, sanctions, or broader economic crime investigation
• Proven ability to analyse intelligence, identify patterns, and assess risk independently
• Confidence to make high‑impact decisions without reliance on senior oversight
• Strong understanding of regulatory expectations and financial crime frameworks
• Excellent written communication, including SAR drafting and assurance reporting
• Ability to challenge constructively and influence across 1LOD and 2LOD teams
• High integrity, discretion, and a commitment to protecting customers and the organisation

Your work will directly influence customer outcomes, regulatory reporting, and the bank’s overall risk exposure. This is a role where your judgement, expertise, and investigative capability will make a measurable difference every day.

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 Recruitment@unity.co.uk 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 Recruitment@unity.co.uk.