Modulr
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CDD Introduced Onboarding Analyst
Edinburgh, UK
Full time
In office 4 days/week
- Are you someone who thrives on curiosity, loves experimentation, and constantly seeks innovative ways to solve problems?
- Do you want to be hands-on in embedded payments, while continuously learning and developing in a dynamic environment?
- Do you want to play an important role in one of Europe's fastest-growing fintech companies?
If the answer is yes, we'd love to connect with you!
Who We Are
Our vision is a world where all businesses are powered by embedded payments. Modulr enables businesses, from SMEs to Enterprise, initially across the UK and Europe to efficiently pay-in, collect and disburse funds instantly via a range of payment schemes, accounts, and card products. Find out more about us on our website and careers site.
What You'll Do
- Conduct Customer Due Diligence (CDD) for both individual and corporate clients, including Simplified and Enhanced Due Diligence, screening and reviewing for adverse media, sanctions, and Politically Exposed Persons (PEP) profiles.
- Review and update customer records in accordance with FCA guidelines, UK/EU AML directives, and internal risk policies.
- Collect, verify, and assess KYC/KYB documentation, including ID, address proof, and ownership structures.
- Perform sanctions, PEP, and adverse media screening, escalating any hits or anomalies per escalation protocols.
- Complete Client Risk Assessments and produce clear, well-reasoned outputs.
- Collaborate with internal and external teams to resolve gaps or discrepancies in onboarding cases.
- Ensure accurate documentation of all due diligence activities, maintaining audit readiness and GDPR compliance.
- Identify and suggest improvements to the CDD onboarding process, including automation opportunities.
Who You Are
The ideal CDD Introduced Onboarding Analyst will be comfortable operating in a high-volume, regulated environment and bring a genuine interest in financial crime and FinTech.
What you'll need
- Minimum 2 years of experience in CDD, KYC, AML, or financial crime roles within a regulated financial institution or fintech.
- Solid understanding of UK/EU AML regulations, including JMLSG guidance and FCA expectations.
- Familiarity with various client types and structures, including corporates, trusts, partnerships, and beneficial ownership.
- Strong analytical skills and attention to detail, with a proven ability to manage high volumes of work accurately and to deadline.
- Experience using screening and data tools such as Orbis, Moody's, or equivalent platforms.
- Excellent written and verbal communication skills.
- Proficiency in Excel, CRM/KYC platforms, and document management systems.
- Ability to work independently with accountability, while collaborating effectively within a team to achieve shared goals.
Nice to haves
- Experience across multiple jurisdictions or client types (e.g., trusts, partnerships).
- Familiarity with EU business structures and cross-border AML frameworks.
- A curious mindset and drive to explore how automation or technology can improve CDD processes.
What We Offer You
- 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 etc.
- Wellbeing app – confidential, on-demand access to therapy, coaching, counselling, management training or mindfulness sessions with accredited professionals, with company-funded hours and top-up options available.
- 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. You can choose the remaining days to suit your personal schedule.
- Learning opportunities – Our two-day onboarding programme, ModStart, helps equip you for success. Learning doesn't stop there; we'll continue to support your development through various channels.
- Company-Wide Events – Participate in collaborative and engaging events with colleagues across the business.
- Bike to work / E-bike scheme
ModInclusion
At Modulr, we're committed to building a diverse, equitable and inclusive culture where everyone feels they belong and can bring their whole self to work. We welcome applications from candidates of all backgrounds as we believe it's the right thing for our people, our business, and the community we operate in.
By submitting your CV, you consent to us using your personal data to assess your application, contact you, or share your CV with relevant hiring managers. You can request removal of your data at any time by emailing peopleops@modulrfinance.com - though this will withdraw you from consideration for the role.
Ready to apply?
Apply to Modulr
Corporate Onboarding Associate - 12 month FTC
Edinburgh, UK
Full time, 12-month FTC
In office 4 days/week
- Are you someone who thrives on curiosity, loves experimentation, and constantly seeks innovative ways to solve problems?
- Do you want to be hands-on in embedded payments, while continuously learning and developing in a dynamic environment?
- Do you want to play an important role in one of Europe’s fastest-growing fintech companies?
If the answer is yes, we'd love to connect with you!
Who We Are
Our vision is a world where all businesses are powered by embedded payments. Modulr enables businesses, from SMEs to Enterprise, initially across the UK and Europe to efficiently pay-in, collect and disburse funds instantly via a range of payment schemes, accounts, and card products. Find out more about us on our website and careers site.
What You’ll Do
- Own and manage CDD & Compliance Assessments for complex clients within the First Line CDD Operations Function.
- Perform Client Risk Assessments and Customer Due Diligence (Simplified and Enhanced) during corporate onboarding.
- Conduct internal and external Partner Audits and ensure alignment with Modulr’s compliance framework.
- Engage with internal and external stakeholders to support compliance and onboarding processes.
- Screen for Politically Exposed Persons and Sanctioned Individuals, ensuring regulatory adherence.
- Review and recommend updates to Policies and Procedures in line with evolving compliance requirements.
Who You Are
What you’ll need:
- A curious mindset and drive to explore how AI can make a real difference.
- A (high-level) understanding of legislation/guidance including the Money Laundering Regulations 2017 (as amended), the Proceeds of Crime Act 2002, the Sanctions and Anti-Money Laundering Act 2018, the Terrorism Act 2000 and Counter-Terrorism Act 2008, the UK General Data Protection Regulation and Data Protection Act 2018, and HM Treasury Sanctions Notices and OFSI Guidance. You’ll also be confident applying guidance from the FCA Financial Crime Guide and SYSC Rules, JMLSG (especially Chapter 5 on Customer Due Diligence), and FCA guidance on Politically Exposed Persons.
- Experience in corporate onboarding and compliance across sectors and jurisdictions, ideally with Know Your Business (KYB) and enhanced due diligence in both UK and EU contexts.
- Analytical and detail-oriented, with strong communication skills, ethical judgement, and the ability to manage competing priorities.
- Resilient, flexible, and confident in owning and evolving compliance processes to support business growth.
Nice to haves:
- Familiarity with Dutch regulations such as Wwft, Sanctiewet 1970 and Wft.
- Experience with European Corporate Client Due Diligence (KYB) and enhanced risk assessments.
- Exposure to AML and compliance audit procedures, including managing remediation of findings.
What We Offer You
- 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 etc.
- Wellbeing app – confidential, on-demand access to therapy, coaching, counselling, management training or mindfulness sessions with accredited professionals, with company-funded hours and top-up options available.
- 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. You can choose the remaining days to suit your personal schedule.
- Learning opportunities – Our two-day onboarding programme, ModStart, helps equip you for success. Learning doesn't stop there; we'll continue to support your development through various channels.
- Company-Wide Events – Participate in collaborative and engaging events with colleagues across the business.
- Bike to work / E-bike scheme
ModInclusion
At Modulr, we're committed to building a diverse, equitable and inclusive culture where everyone feels they belong and can bring their whole self to work. We welcome applications from candidates of all backgrounds as we believe it's the right thing for our people, our business, and the community we operate in.
By submitting your CV, you consent to us using your personal data to assess your application, contact you, or share your CV with relevant hiring managers. You can request removal of your data at any time by emailing peopleops@modulrfinance.com - though this will withdraw you from consideration for the role.
Ready to apply?
Apply to Modulr
About us
At Modulr, our vision is a world where all businesses are powered by embedded payments. Modulr enables businesses, from SMEs to Enterprise, initially across the UK and Europe, to efficiently pay-in, collect and disburse funds instantly via a range of payment schemes, accounts, and card products.
We have created an industry-leading API platform with comprehensive online tools and access, to meet the demands of daily business payments. We have two routes to the market. Our Core Business Payments product allows customers in any sector to connect to us and our expanding network of accounting and payroll platforms, including Sage, Xero, BrightPay and IRIS to automate payments. Our Vertical Solutions targets a growing range of industry verticals which directly connect their IT platforms to our APIs and webhooks. We solve complex payment problems for hundreds of clients in a range of industries, including Travel, Lending, Wage Advance, and Investment & Wealth.
We are deeply integrated into the payment ecosystem. Across the UK and Europe our payment network connectivity includes FPS, BACS, CHAPS, Open Banking, SEPA, SWIFT and account issuance in multiple currencies. Modulr holds settlement accounts at the Bank of England. We are a principal member of Visa and Mastercard schemes across UK and Europe. Our regulatory permissions and governance structure are the foundations of our business. We are regulated and supervised as an Authorised Electronic Money Institution (AEMI) in the UK by the Financial Conduct Authority and in the Netherlands by De Nederlandsche Bank. Modulr now has over 400 employees across London, Edinburgh, Amsterdam, Mumbai and the US.
Modulr values
- Building the extraordinary; going that extra mile.
- Owning the opportunity; be passionate and proud of the time you invest.
- Move at pace; reach goals faster whilst supported on your career journey.
- Achieve it together, working collaboratively and being a Modulite.
Key Responsibilities
- Conduct periodic and event-driven Customer Due Diligence (CDD) refreshes for both individual and corporate clients, including screening and reviewing for adverse media, sanctions, and Politically Exposed Persons (PEP) profiles.
- Review and update customer records in accordance with FCA guidelines, EU/UK AML directives, and internal risk policies.
- Collect, verify, and assess KYC documentation (e.g., ID, address proof, ownership structures).
- Perform sanctions, PEP, and adverse media screening; escalate any hits or anomalies per escalation protocols.
- Collaborate with internal teams and onshore teams to resolve any gaps or discrepancies.
- Ensure accurate documentation of all due diligence activities, maintaining audit readiness and GDPR compliance.
- Identify and suggest improvements to the CDD refresh process, including automation opportunities.
- Stay informed on regulatory developments and industry best practices in customer due diligence.
- Work effectively in a high-volume environment, managing multiple cases and priorities while maintaining quality and turnaround standards, and actively engage in continuous professional development to enhance skills and adapt to evolving business needs.
Required Skills & Experience
- Minimum 2 years of experience in CDD, KYC, AML, or financial crime roles within a regulated financial institution or fintech.
- Solid understanding of UK/EU AML regulations, including JMLSG guidance, and FCA expectations.
- Familiarity with various client types and structures (e.g., corporates, trusts, partnerships, beneficial ownership).
- Experience using screening and data tools such as Orbis, Moody’s, or equivalent platforms.
- Strong analytical skills and attention to detail, especially in high-volume environments.
- Proven ability to manage large volumes of work while maintaining accuracy and meeting deadlines.
- Excellent communication skills, both written and verbal.
- Proficiency in Excel, CRM/KYC platforms, and document management systems.
- Demonstrate the ability to work independently with accountability, while adapting effectively within diverse team environments to achieve shared goals.
About You
- Comfortable managing multiple CDD refresh streams and adapting to shifting priorities.
- Detail-oriented with a structured approach; proactive in identifying process improvements.
- Drives improvements in the CDD refresh process to enhance operational efficiency and ensure regulatory compliance.
ModInclusion
At Modulr, we are working hard to build a culture that is positive, diverse and inclusive where everyone feels a genuine sense of belonging and is empowered to bring their whole self to work. Not only is it the right thing to do for everyone in the Modulr team, it’s also the right thing to do for our business, the community we operate in and attracting future talent. Candidates who bring unique perspectives and are passionate about inclusive practices in compliance and client due diligence are encouraged to apply.
Ready to apply?
Apply to Modulr