Client Risk Analyst at Modulr in London

Job description

• Do you enjoy digging deeper when something doesn't quite add up?
• Do you want to own real portfolios from day one, with your independent thinking trusted by clients and colleagues?
• Would you like to help build better tooling and AI into how we assess client risk?

Responsibilities

• Assess, monitor and manage risks presented by our clients and partners across distribution channels throughout the client lifecycle, using our six-pillar risk framework (financial crime, business model, financial resilience, operational resilience, conduct, and complaints handling). You'll own a portfolio, form independent views, escalate material risks, and contribute to protecting our customers and regulatory compliance.
• Conduct risk assessments, perform ongoing portfolio monitoring, and identify emerging risks before they become issues.
• Lead oversight engagement meetings with clients and partners, challenging weak controls and tracking remediation to completion.
• Perform open-source research and assurance testing to verify client information and assess control effectiveness.
• Develop and interpret key risk indicators to turn portfolio data into clear management information for senior stakeholders.
• Support compliance with FCA and DNB regulatory requirements and assist with regulatory reviews and audits.
• Contribute to the design of AI-assisted and improved approaches to client risk assessment.

Requirements

• What you'll need
• Analytical judgement - the ability to weigh incomplete information and reach a defensible conclusion.
• Strong written communication, particularly recording findings clearly so others can follow and rely on them.
• Confidence engaging with external counterparties and internal stakeholders at all levels, holding your position under commercial pressure.
• Comfort working with data - reading management information, spotting trends, and working confidently in spreadsheets and reporting tools.
• Experience in partner, third-party, or supplier oversight.
• Working knowledge of AML, KYC, KYB requirements or working in a regulated financial services environment.
• Investigative or intelligence training, or experience with open-source research and corporate registry work.

Skills

Required

• Analytical judgement
• Strong written communication
• Comfort working with data
• Spreadsheets and reporting tools

Preferred

• Investigative or intelligence training

Benefits

• Share Options- We offer a Company Share Option Plan (CSOP), giving you the opportunity to benefit from any increase in share value in the event of a sale, merger, or flotation.
• Bonus- Our annual discretionary bonus, paid in May for the previous year, is based on both company and individual performance.
• Flexible benefits- £1,000 to spend on benefits to suit you, including private medical insurance, gym membership, dental and more.
• Wellbeing app- Confidential, on-demand access to therapy, coaching, counselling, management training or mindfulness sessions with accredited professionals.
• Holidays- 33 days annual leave (including bank holidays) plus your birthday off. In the UK, Christmas Day, Boxing Day and New Year's Day are fixed holidays.
• Learning opportunities- Our two-day onboarding programme, ModStart, helps equip you for success. We'll continue to support your development through various channels.
• Company-wide events- Participate in collaborative and engaging events with colleagues across the business.
• Cycling- Bike to work and e-bike scheme.