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AML – Role Description

Keystone Property Finance has been an independent Buy-to-Let Lender in their own right since 2018
with a strong brand identity and over 25 years’ experience in the UK mortgage market. We are
looking for a highly motivated individual with exceptional analytical and communication skills to
join our Risk & Compliance team as an AML Analyst.

The main responsibility of the role would be to provide guidance and support to the business in all
aspects of our anti-money laundering controls, processes and training. The role will also take the
lead on AML and Financial Crime based projects.

The individual will ideally have strong hands-on AML and KYC experience, not necessarily in
mortgage finance, but they would have spent time working for a financial services company. They
would be the main point of reference in live cases where AML risks have been identified. They would
also be able to progress AML related projects such as customer risk rating, process enhancement and
AML related staff training and awareness. Working closely with the Senior Risk Manager, Senior
Compliance Manager and the MLRO, they would have a key role in drafting the MLRO Annual Reports and
progressing work on new and existing and new recommendations from this.

Tact, resilience, organisation and excellent communication skills are all needed, but for the right
candidate there are real opportunities to take on responsibility in Financial Crime with this agile
specialist lender.

Summary of Duties / Responsibilities

The main duties will include, but are not limited to:

• Enhancing process for identifying AML red flags, using staff awareness and system data;
• Advising on level of CDD and EDD on live cases where needed;
• Working with the Risk and Compliance Managers to provide support and make recommendations to the
business on AML related decisions;
• Advancing our ability to risk rate our customer book;
• Carrying into effect projects and actions highlighted by MLRO Annual Report;
• Carrying out periodic reviews of higher risk customers;
• Overseeing shortfall and over-payment queries;
• Investigating internally raised AML suspicions;
• Supplying monthly and quarterly financial crime MI;
• Providing support to the business by undertaking ad hoc projects and research as directed by the
Senior Management Team.

KEY SKILLS/COMPETENCIES

Key Skills

• Good attention to detail and accuracy
• Excellent IT skills (proficient in Microsoft Word, Excel, PowerPoint and PDF);
• Excellent interpersonal skills, organisational skills and detail orientated;
• Ability to handle sensitive and confidential management issues and information with
discretion;
• Team player, supportive of others, proactive;
• Self-educating, curious and pragmatic, solution-oriented mind-set;
• Familiarity in the use of third party AML systems;
• Knowledge of navigating fraud detection system (CIFAS, SIRA, Hunter);
• Understanding of internal and external SARs
• Previously worked in the financial services/mortgage industry;
• Understanding of FCA and AML regulation;
• Ability to assess the AML/Financial Crime risk posed by certain customers and evaluating
customer risk ratings;
• Keen eye for detail and ability to not take everything at face value.

Keystone's Values

Our Values help define who we are as Keystone Property Finance. They come from the beliefs we hold,
the way we behave and how we want to work together for the benefit of our customers and our
business.
• Respect
• Integrity
• Resilience
• Excellence
Our Values are unique to our brand, they give us purpose and focus. They are vital in helping us
all ‘do the right thing’. If we are confident that we are true to our values, then we can be sure
that we are doing the best for our customers.

Benefits
• Industry leading AXA backed Private Health Care with no excess
• Generous Pension contributions of 4%
• 25 days holiday plus bank holidays
• Death in service.
• Social events (should you wish to be sociable).
• Dress down Fridays.
• Supported Training and a CPD track
• Free Parking
• Gym membership contribution
• Christmas party and Summer Teambuilding events
• Yearly salary review
• Discretionary bonus scheme

(please note some of these become available after probation)