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AML and Fraud Investigator

AML and Fraud Investigator

Ikano Bank AB PolandWarzawa, PL
18 dni temu
Opis pracy

As AML & Fraud Investigator, you will work as part of a team responsible for the detection and prevention of Financial Crime through the investigation of high risk or suspicious activity, fraud referrals or monitoring of patterns and trends. You will play a key role in the Anti-Money Laundering / Counter Terrorism Financing regime within Ikano Bank Poland, executing the firm’s Anti Money Laundering and Fraud prevention activities across the Polish branch.

Your responsibilities

  • Undertake AML / KYC and Financial Crime activities in line with documented processes. Escalate cases for approval where necessary supported with a clear recommendation and justification.
  • Use investigatory and decision-making skills to review card and loan applications, identifying suspicious activity and investigating existing account monitoring reports to detect Financial Crime.
  • Review and timely completion of all Financial Crime related transaction monitoring alerts, investigating into any irregularities, formulating any internal or external reports as necessary.
  • Investigate internal Suspicious Activity Reports, ensuring that all reports are accurately logged and escalated to the MLRO / Deputy MLRO when required.
  • Respond to orders or warrants presented by investigators and to determine any additional investigation, action and notification to the local authorities.
  • Evaluate, defend and monitor chargebacks from suspected fraudulent transactions.
  • Act as a central point of contact on Financial Crime, AML or KYC issues for all co-workers, official investigating agencies and victims of financial crime.
  • Maintain an up-to-date awareness of current statutory and regulatory AML and Financial Crime obligations, current compliance best practice and relevant future developments through attendance at training courses, seminars and other events organised by appropriate professional bodies and trade associations.
  • Participate in team meetings ensuring personal and team objectives are achieved and fraud losses are minimised.
  • Encourage innovation and insight to improve processes, reduce costs and work smartly.

Our requirements

Motivation & Behaviour :

  • Strength in understanding priorities and allocating work accordingly.
  • Passion for delivering the right outcome for all potential customers.
  • Highly collaborative and will support your team to achieve the service level agreements.
  • Passion for living Ikano values of Common Sense & Simplicity, Working Together and Daring to be Different.

    • Knowledge :

  • Understanding of key Fraud and AML risks.
  • Knowledge of existing legislation pertinent to Financial Crime and AML.
  • Can demonstrate knowledge about all stages of the acquisition journey.
  • Understanding of fraud typologies and KYC processes.
  • Demonstration of solid judgment.
  • Awareness of the outside economic environment.
  • Able to fully comprehend what good customer outcomes are balanced against business needs

    • Skills & Capabilities :

  • High attention to detail with the ability to investigate trends in data and see things through to conclusion.
  • Ability to assess the evolving ‘evidential picture’ of a claim in order to drive a proactive investigation and determine the correct outcome.
  • Demonstrates skills related to integrity and problem-solving ability.
  • Ability to work under pressure and within tight timelines.
  • Ability to write concise letters and informative notes, clearly identifying rationale and decision making.
  • Ability to manage a range of tasks and demonstrate the ability to plan ahead and prioritise workload.
  • Able to demonstrate written and spoken language skills to be able to communicate efficiently

    • Experience / Demonstrated competencies :

  • Previous experience in an investigative or analytical role.
  • Background in AML or Financial Crime from the banking sector or a large multinational e-commerce business.
  • Excellent oral and written communication, facilitation skills and ability to present confidently and to work effectively with employees and management at all levels.
  • Fluency in Polish and strong English skills to communicate within the global working company.
  • Calm and diplomatic, with strong negotiation and influencing skills with the ability to display a range of influencing styles.

    • Academic / Qualification Level :

    Essential : Degree or equivalent combination of training and experience in relevant field.

    Desirable :

  • Industry recognised Financial Crime / AML accreditation.
  • Crime Team processes handled in line with defined SLAs and regulatory obligations.

    • What we offer

    Employment contract (limited job contractu up to 1 year, than unlimited job contract). An attractive social package (including medical care, group insurance, employee pension program, a cafeteria of benefits, including : Multisport card, language courses, social day, company social benefits fund).

    Join us now – together we will find a better way

    Please apply  via the application form, no later than 18th of July 2025 07-18,

    About us

    Ikano Bank creates possibilities for better living by offering simple, fair, and affordable services, enabling a healthy economy for the many people and businesses. Its offer includes savings and loan products for consumers, sales support services for retailers, and leasing and factoring solutions for businesses. Ikano Bank operates in Sweden, Denmark, Finland, Norway, the UK, Poland, Germany and Austria, and is a part of Ingka Group. Ikano Bank’s head office is located in Malmö, Sweden and the company is registered in Älmhult, Sweden where the business was once founded.

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    Aml And Investigator • Warzawa, PL