Financial Crime Manager & DMLRO

• Support in managing the end‑to‑end Financial Crime framework, ensuring compliance with relevant Isle of Man AML/CFT legislation and Codes, IOM FSA regulatory requirements and guidance, and applicable local, UK, EU and international Sanctions regimes
• Provide support in the maintenance and enhancement of Financial Crime policies, procedures and standards across the Financial Crime framework
• Ensure the framework is embedded operationally by supporting with the performance of thematic reviews, deep dives and assurance testing on the compliance monitoring programme
• Gather and assess information for input into reporting on the outputs of the agreed monitoring programme to senior stakeholders
• To develop and maintain excellent working relationships with client departments
• To gather information for input into the MLRO reporting for all relevant entities within the Capital International Group Limited group of companies where required
• Conduct Horizon Scanning where appropriate, supporting with Gap Analysis where regulatory outputs require and provide reports in this regard to senior stakeholders
• Ensure any changes to regulatory requirements are understood, communicated and impact assessed within the required timetable
• To gather information, as required, to assist with the preparation and maintenance of Capital International’s Jurisdictional lists
• Provide the correct and technical and commercial interpretation of regulatory requirements as they relate to, and should be applied across, the business activities of Group
• Provide regulatory support, guidance and information to entity Boards as required
• Build strong stakeholder relationships within the entities of the Group and provide subject matter expertise to projects and operational teams as required
• Support with the maintenance of relevant Regulatory Registers and any other records required by regulatory guidance / handbooks
• Support the promotion of the Compliance Strategy for all relevant entities and ensure alignment with the overarching strategic, operational and financial goals
• Provide support in the oversight and challenge of Customer Risk Assessments (Corporates/Trusts/Intermediaries etc) and Source of Funds and Source of Wealth assessment
• Attend and actively support the business in relevant governance forums for high-risk and/or complex clients
• Ensuring EDD standards are applied consistently and defensibly
• Engagement and attendance at various external forums
• To undertake the MLRO role in their absence when required
• Support the MLRO in the review and investigation of suspicious activity reports and submit reports as a Nominated Person, where needed, to the FIU
• Support the MLRO with work connected to the regulatory reporting responsibilities of Capital International in respect of financial crime
• Support the MLRO with the fulfilment of any ad hoc Orders received from regulatory or law enforcement agencies in a timely manner relating to AML/CFT/CPF
• Gather information, when required, in relation to requests for advice or information from Capital International senior management, the external auditors or regulatory/law enforcement bodies in relation to AML/CFT/CPF matters
• Assist the MLRO with research into relevant AML/CFT/CPF regulatory developments so that these can be updated to the relevant stakeholders
• Support the development and delivery of financial crime training courses to Capital International management and colleagues
• Support the annual assessment of training needs and a review and update of core intranet-based training material
• Maintain an understanding of the requirements of AML/CFT/CPF regulations and guidance relating to financial crime
• To maintain understanding of jurisdictional risk relating to financial crime

• The role holder must hold a recognised compliance qualification, equivalent to ICA International Diploma level, or relevant financial services qualification, or be deemed to be qualified by extensive and relevant experience in Financial Crime in the financial service sector
• 5+ years' experience in an FSA regulated (or equivalent) Financial Crime environment is desirable
• Significant experience across all Financial Crime related disciplines within the financial service sector
• Good technical knowledge of Financial Crime, Regulatory, and Legislative requirements, predominantly from an Isle of Man, UK, and EU perspective
• Good knowledge of banking and investment products and processes and industry best practice, particularly in the offshore market
• Experience of dealing with relevant external stakeholders, to include the Financial Intelligence Unit and the Attorney General’s office, including day to day relationships and visits
• Practical experience of translating regulation into a working document understood by the business
• Experience of dealing with complex structures, Trusts and High-Risk clients
• Strong report writing skills
• Excellent interpersonal skills and the ability to relate with all parts of the business particularly Senior Management
• Ability to identify possible concerns/objections and structure communication accordingly
• Ability to deliver with confidence when dealing with people at all levels, both internally and externally
• Highly organised with excellent attention to detail
• Resilient and pragmatic in a regulated, fast-paced environment

Prior experience acting as a DMLRO/MLRO

• Private health care
• life insurance
• flexible working hours
• pension scheme
• volunteering opportunities
• extensive training and development programmes