Senior AML / Financial Crime Compliance Consultant - Freelance

A leading international organisation operating in a highly regulated and multi-jurisdictional environment is looking for an experienced AML / Financial Crime Compliance Consultant to reinforce its Group Corporate Compliance function. The consultant will operate within the second line of defence , providing independent oversight, advice and challenge to business and first-line compliance teams. The main focus will be on AML/CFT, KYC/CDD, fraud and sanctions compliance , with occasional support on ethics and conduct topics such as anti-bribery and corruption, gifts and entertainment, and conflicts of interest. The assignment requires a hands-on compliance professional who can combine subject-matter expertise, control capabilities, project delivery and stakeholder management.4 The consultant will be responsible for: • Performing and reviewing KYC, customer due diligence and enhanced due diligence files; • Challenging first-line assessments and decisions for higher-risk customers; • Conducting second-line controls and thematic reviews; • Testing the application of financial crime policies and procedures; • Supporting fraud risk assessments and fraud case documentation; • Contributing to sanctions screening and escalation processes; • Providing day-to-day AML/CFT and financial crime compliance advice to business teams; • Monitoring regulatory developments relating to AML/CFT, fraud and sanctions; • Maintaining regulatory watch documentation and preparing impact assessments; • Contributing to the implementation of new AML regulatory requirements; • Documenting findings and monitoring remediation plans; • Preparing periodic reporting for Corporate Compliance management; • Supporting compliance transformation and tooling initiatives; • Contributing to the selection, implementation, calibration, migration or optimisation of AML-related tools; • Coordinating stakeholders across Group and local entities. Depending on priorities and workload, the consultant may also provide occasional support on anti-bribery and corruption, gifts and entertainment, conflicts of interest and insider-list monitoring. The expected deliverables include: • KYC, CDD and EDD review files; • Financial crime control plans and thematic review reports; • Control findings and remediation tracking; • Fraud case documentation and fraud prevention materials; • Regulatory watch entries and impact assessments; • Contributions to AML regulatory implementation projects; • Input to AML tooling and compliance transformation initiatives; • Periodic management reporting; • Ad hoc contributions to ethics and conduct registers. Requirements The successful candidate should demonstrate: • 5 to 8 years of experience in AML/CFT, KYC/CDD, financial crime, fraud or sanctions compliance; • Proven experience in a second-line-of-defence role; • Hands-on experience reviewing KYC, CDD and enhanced due diligence files; • Strong knowledge of AML/CFT and sanctions compliance frameworks; • Experience with compliance monitoring, control testing and thematic reviews; • Experience documenting findings and tracking remediation actions; • Familiarity with fraud risk assessment and sanctions screening processes; • Experience with AML tooling, including transaction monitoring, screening, case management or workflow systems; • Exposure to tool selection, implementation, calibration, migration or optimisation; • Proven experience contributing to projects from scoping through delivery; • Strong stakeholder management and communication skills; • Ability to work autonomously across Group and local teams; • Proactive, solution-oriented and delivery-focused mindset; • Previous experience in banking, financial services, payments, fintech or another regulated environment; • Fluent in English