AML Officer - #186065

We are seeking a highly motivated and detail-oriented Anti-Money Laundering (AML) Officer to join our Customer Operations team. In this critical role, you will support the AML Manager in ensuring our AML and due diligence processes are robust, effective, and aligned with regulatory standards. Your work will play a vital role in protecting the integrity of our business and safeguarding our customers by identifying, managing, and mitigating financial crime and social responsibility risks.

This is an exciting opportunity for someone who thrives in a structured, fast-paced environment and wants to be part of a team that is central to maintaining the trust and security of a regulated gambling business. You will work across all products, helping to enhance our existing procedures while ensuring we are fully compliant with legal, regulatory, and licensing requirements.

What You’ll Be Doing

As an AML Officer, you will take ownership of customer cases from initial investigation through to resolution. This includes conducting thorough risk assessments, performing customer due diligence (CDD) and enhanced due diligence (EDD) checks, analysing transactions, reviewing documentation, and engaging directly with customers to request and verify required information, particularly in relation to Source of Funds (SoF) and Source of Wealth (SoW). You’ll work proactively to identify suspicious behaviour or patterns by cross-referencing internal systems, monitoring customer activity, and ensuring that appropriate controls are in place. When required, you’ll raise Suspicious Activity Reports (SARs) in line with company policy and legal obligations.

A key part of your role will be liaising with various internal departments (including Fraud & Payments, Safer Gambling, and Customer Care) to ensure a coordinated approach to customer management and regulatory compliance. You will help ensure that AML policies are applied consistently across the business and contribute to performance against agreed KPIs and SLAs, particularly during peak periods. Record-keeping and documentation will also form a critical part of your day-to-day work. You’ll be responsible for maintaining clear and accurate logs of all investigations, communications, and decisions made, helping to create a full audit trail that supports both internal governance and external reporting requirements.

In addition, you will stay up to date with the latest developments in AML legislation, gambling licensing conditions, and data protection regulations relevant to our operating jurisdictions. You’ll also be expected to contribute to cross-functional support within the Customer Operations team as required, adapting to business needs and maintaining flexibility in your role.

Who We’re Looking For

The ideal candidate will bring a methodical and logical approach to their work, with a strong sense of integrity and a keen eye for detail. You should have experience working in a compliance, AML, risk, or similar operational role, ideally within a regulated industry such as online gambling, banking, or financial services. You must be comfortable handling sensitive information, managing confidential data securely, and making sound decisions based on structured analysis. Confidence in navigating difficult conversations with customers, both via written communication and over the phone, is essential, as is the ability to explain complex decisions clearly to internal stakeholders.

You’ll need to be able to manage and prioritise a varied workload, meet strict deadlines, and remain calm under pressure. Strong communication and interpersonal skills are vital, alongside proficiency with Microsoft Office and internal case management systems. Previous experience in producing compliance-related reports or metrics, as well as a working knowledge of Consumer Protection and GDPR regulations, will be highly advantageous. Above all, we’re looking for someone who is proactive, diligent, and passionate about helping to uphold the highest standards of integrity, compliance, and customer care.

What’s in it for you?

At the Tote you can expect a friendly working environment with a strong sense of teamwork and pride in what we do. Within this role you’ll develop a broad range of skills and experiences that can enhance your career at the Tote. Additionally, our company benefits package includes;

• Competitive Basic Salary
• Discretionary Bonus Scheme
• Company Shares Option Plan
• Contributory pension scheme
• Life insurance (4 x basic salary)
• Simply Health Cash Plan
• Holiday entitlement (33 days inclusive of bank holidays)
• Study Support and opportunity for progression and development
• Confidential 24/7 365 employee assistance helpline
• Agile and collaborative office environment with free parking, fruit, biscuits, and drinks
• Regular social events, charity events and volunteering opportunities