AML&E Operations Analyst III

Job Description

About us

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.

GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we’re all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!

And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply!

The team

The Anti Money Laundering and Escalations Operations (AML&E) team is a part of the wider Shared Services team here at GoCardless where we have two key areas of focus:

1. Merchant onboarding. We work closely with our merchants during onboarding, to seamlessly guide them through the process and ensure that our local and global KYC (Know your Customer) requirements are met.
2. Stopping bad actors. We really care about our regulatory and moral obligation to prevent money laundering and terrorist financing, we want to ensure that we’re catching those that we believe are misusing the GoCardless platform.

We care about customer experience, speed and quality. We have challenging KPIs that we work hard to deliver against, and growing markets to serve as GoCardless expands across the globe.

The Role

• The role will be based out of our Riga office (with a hybrid approach to work)
• Hours will be from 9.00 am - 06.00 pm (Mon - Fri), including public holidays
• Fluency in additional European languages is advantageous

Key responsibilities will include:

• Conducting EDD and risk assessments on higher-risk customers in specific verticals (e.g. Financial Services) prior to onboarding, to ensure alignment with our Risk Appetite.
• Responsibility for ongoing EDD for our high risk client base, alongside delivering end to end KYC reviews on GoCardless customers in line with our CDD framework
• Reviewing and adjudicating on Adverse Media, PEPs and Sanctions screening escalations
• Managing stakeholder relationships and working closely with Sales and Customer Success to ensure account verification is seamless and bottlenecks are quickly resolved
• Supporting customers through various channels ensuring delivery of a world-class onboarding experience
• Supporting commercial teams with deals that may require more bespoke solutions and providing training where necessary
• You’ll act as a point of escalation for KYC colleagues, using your AML expertise and risk awareness to create solutions to support merchant onboarding

What we’re looking for

• An AML specialist with a strong understanding of global AML/CFT laws and regulations
• You can clearly explain AML compliance and related risks, develop sound mitigation strategies and find solutions
• You have demonstrable compliance experience working in a similar role where you’ve had exposure to onboarding complex group structures and a variety of entity types across multiple geographies, with a specialist focus on France
• You are familiar with preparing risk assessments that look at business models, products, AML/CTF and reputational considerations
• An understanding of risk frameworks and a risk mindset to identify and evaluate risks across GoCardless
• You’re curious and need to understand how everything fits together. If someone can’t tell you the answer, you’ll find a way to figure it out
• You’re a self-starter. You go and find things to improve and don’t need to wait to be given challenges
• You can manage multiple priorities at the same time and thrive in an environment where you’ll need to switch your focus quickly
• You have flawless written and verbal communication skills  (English) and are happy to support customers via email or over the phone
• You’re comfortable working with internal stakeholders at all levels, upholding our core compliance requirements with a problem-solving approach

Base salary range: €23,200 - €34,800

Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

(some of) The good stuff

• Wellbeing- stay healthy with dedicated support and medical cover
• Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period
• Adaptive Working - allows you to work flexibly, around your lifestyle
• Equity - all permanently employed GCs get equity to help you make a valuable contribution
• Parental leave - to suit everyone embarking on life’s great adventure
• Learning Budget - lead your own development with an annual learning budget
• Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)

Life at GoCardless

We’re an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it’s essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.

Diversity & Inclusion

We’re building the bank payment network of the future and our ambition is to move money anywhere, for anything, for anyone. If we’re going to achieve this goal, we need to build a team of ‘GeeCee’s’ that is as wonderfully diverse as the world we live in - with a multitude of perspectives, experiences & backgrounds.

We’ve got a long way to go, but here’s how we’re doing as of 2025:

Female Employees – 44%

Ethnic background – 25%

Identify as LGBTQIA+ – 9%

Neurodivergent – 9%

Disabled – 1%

We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support.

If you want to learn more, you can read about our Employee Resource Groups and objectives here as well as our latest D&I Report

Sustainability

We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. In 2021 we became co-founders of the Tech Zero coalition, a group of businesses committed to taking climate action as part of the UNFCCC Race to Zero. We aim to reduce our impact and to create positive change on the natural world. Check out our sustainability action plan here.

Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.