Company Description

Fascinated by the future and captivated by technology? Smart, driven and want to make a difference in the world? You will fit right in.

By joining one of our teams at Visa Payments Limited, a division of Visa Inc since 2019, you’ll have an opportunity to shape the payments experience globally. Being part of Visa, the world’s leader in digital payments technology, our mission is to connect the world through the most creative, reliable and secure payment network, enabling individuals, businesses, and economies to thrive. 

Visa Payments Limited is a financial technology business that provides cross-border payment processing services to banks and payments businesses across six continents through its global network.

Individuality fuels our brand and our global team – we are proud that we are a talented team of 18,000 individuals with unique backgrounds, perspectives and experiences. Therefore, we understand that you are much more than your day job. We encourage quality of life both within and outside of the office, and whether it is taking advantage of agile work schedules or our wellness programmes, Visa Payments Limited and Visa Inc. respects and encourages meaningful work/life balance for everyone.

If you think you could support the Visa family by joining Visa Payments Limited as a Operations Analyst, we want to hear from you.

You're an individual. We're the team for you. Together, let's transform the way the world pays.

Job Description

The Investigations Analyst supports the Visa Payments Limited Nominated Officer (N.O.) and operates within the Investigations function. The Nominated Officer means a person who is nominated to receive disclosures under Part 3 (terrorist property) of the Terrorism Act 2000(h) or Part 7 (money laundering) of the Proceeds of Crime Act 2002. This role is delegated from the Visa Payments Limited (VPL) Money Laundering Reporting Officer (MLRO) in accordance with JMLSG Guidance.

The Investigations Analyst will directly support the N.O. and typical tasks will include but not limited to, the maintenance of Investigatory procedure and process such as fraud, dealing with Law Enforcement engagement(s), offering enhanced support to other intra Visa Payments Compliance functions and as appropriate, recommending improvement to control frameworks and more widely, supporting senior management in the delivery of the Suspicious Activity Regime.

The Investigations Analyst will be a trust-worthy individual and maintain respect to the nature of the day to day work this role encompasses and the confidentiality it may bring. The Investigations Analyst should also maintain the appropriate behaviours to be a spokesperson to the business and communicate the Suspicious Activity Regime where possible.

Whilst daily remit is detailed above, the Investigations Analyst should still maintain the aptitude to contribute to the wider risk and compliance framework, covering the following financial crime risks:

• Counter Terrorist Financing (CTF and Sanctions)
• Anti Money Laundering (AML)
• Anti Bribery and Corruption (ABC)

What we expect of you, day to day.

• Identifying, supporting, and escalating actual and suspected money laundering, sanctions breaches and fraud cases internally with recommendation(s) to the Nominated Officer (N.O.), or as appropriate.
• Investigate internal SARs and suspected fraudulent activity reported to the compliance function.
• Ensuring clients are within legal parameters and are not undertaking money laundering or other criminal activities.  For example, using screening and monitoring systems to assess client legitimacy (or the support of any investigation derived from it).
• Support the N.O., DMLRO and MLRO in ensuring that the compliance risk control framework remains aligned with external regulation and legislation, including the Money Laundering Regulations 2017 and the Payment Services Regulations 2017.
• Maintain accurate, up-to-date record keeping and retention of records, particularly regarding Investigations Operations (i.e., Fraud & Law Enforcement).
• Support the N.O. in Law Enforcement engagements.
• Assist in the maintenance of the Visa Payments Document Suite, ensuring all relevant policy & procedures (inc Visa Payments positions) are stored effectively and relevant communications issued.
• Support & collaborate in internal compliance monitoring reviews, internal/external audits where appropriate, up to and including the management of any relevant information.
• Assist in the production and presentation of timely and informative Management Information (M.I).
• Committed to learning relevant compliance legislation and regulation and in particular the EU Anti-Money Laundering Directive and the EU Payment Services Directive. Keeping up to date with all relevant legal and regulatory developments.
• Be utilised as a supporting element to the resolution of any other compliance issues, queries and concerns that are raised both internally and externally.
• Developing an appropriate level of understanding of VPL operations, payment processes and product offerings and maintaining the confidence to present where appropriate.
• Exemplifying the company values and promoting them in all areas of the role, both inside and outside the function.

This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office 2-3 set days a week (determined by leadership/site), with a general guidepost of being in the office 50% or more of the time based on business needs.

Qualifications

• A relevant graduate degree or equivalent professional qualification/s (ICA AML, Compliance and/or Financial Crime Post-Grad Diplomas)

Experience

• The individual should have a minimum of 3 years experience in a related environment. For example, the payments / FX industries, general compliance, law enforcement, anti-fraud operations, etc.
• Understanding of regulatory and financial crime risks and legislative regimes related to international payments and financial services.
• Experience of conducting investigations.
• Experience of dealing with law enforcement.
• A good knowledge of the regulatory and legislative regimes overseeing financial services including payment institutions.
• Understanding of risk, risk assessment, control frameworks and risk mitigation.
• A good understanding of Data Protection principles

Desirable

• Understanding of operations processes and IT systems in payments processes, especially in banking and e-Commerce environments for retail and corporate payments.
• A history of working within an Investigation(s) function.
• A history of working within a Transaction Monitoring (TM) function
• Experience in performing enhanced open-source searches, its types, i.e., Boolean operators, Enforced Term Operators and the result analysis.
• Experience & understanding of remittance environment, businesses, process flows etc.
• Experience in a banking payments environment useful.

Personal Attributes

• Be able to remain resilient under pressure and having the ability to do the right thing.
• An eye for detail (including being able to see the bigger picture)
• A speak up, speak out nature
• Courteous and friendly in nature, a team player
• Be able to communicate well and confidence to present both externally and internally
• Ability to manage confidential or sensitive information appropriately
• Be motivated to learn and utilize learning opportunities
• Have the ability to work independently and efficiently to meet deadlines
• Maintain a resilient approach in times of necessity to provide robust recommendation(s)
• Maintain an aptitude for risk management and the on-going protection of Visa Payments

Additional Information

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

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