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Financial Crime

Dedicate your career to work that
really matters

Dedicate your career to work that
really matters

Dedicate your career to work that
really matters

Dedicate your career to work that
really matters

Financial Crime


Dedicate your career to work that really matters




Financial crime is a significant risk that threatens Santander and the UK as a whole. Our Financial Crime team is all about protecting our customers, communities and shareholders from increasingly complex threats. It’s about more than money. Financial crime funds a wide range of criminal activities that put real people at risk every day. And with so much at stake, simply adhering to legal controls and regulations isn’t enough. That’s why we’re developing a world-class environment for crime prevention.

There are opportunities to shape your career at Santander by exploring specialised roles or by learning and developing new skills and experiences

Retail & Business Bank Financial Crime First Line Risk Teams

Since November 2016 I have been responsible for Business Assurance and Financial Crime in the Retail and Business Banking Division at Santander. Prior to this I was Head of Financial Crime for Retail and Wealth, also at Santander. In a career that has focused on Financial Services I have also worked for an Investment bank and a top 4 consultancy firm. My passion in my working life is to develop and mentor others to become seasoned Compliance and Financial Crime professionals. It is a privilege to lead a team of diverse and talented individuals who actively collaborate, give support and show respect to each other. A career at Santander can be very rewarding with opportunities to learn and grow throughout your career. No two days are the same at Santander but one thing is certain - we focus on our customers to help people and business prosper
Alison Simmons - Business Assurance and Financial Crime Director

Retail & Business Bank Financial Crime

The Retail & Corporate Banking Advisory teams work with colleagues in the first line of defence to provide advice and guidance, and to ensure Policy, Legal and Regulatory compliance is achieved. The teams are responsible for overseeing the effectiveness of SAN UK’s systems and controls across Retail and Business bank, to gain assurance that they are adequately managing and mitigating financial crime risk. Additionally, the team is responsible for ensuring the business complies with all laws/regulations, policy and industry guidance associated with Anti-Money Laundering (AML), Sanctions, Counter Terrorist Financing (CTF) and Anti-Bribery & Corruption (ABC).

The teams also contribute to, and support the second line of defence oversight responsibilities, including reviewing the annual business risk assessment, reviewing and approving new products and initiatives and challenging the business to ensure there is effective risk management. They are the first point of contact for forward facing areas of the business, ensuring the bank achieves policy and regulatory compliance in respect of financial crime.


Financial Intelligence Unit

In April 2016 I was appointed as Santander UK’s Financial Crime Director and Money Laundering Reporting Officer. This role falls under the Senior Manager Regime and is approved by the Financial Conduct Authority with specific prescribed responsibilities covering Anti Money Laundering, Sanctions, Terrorist Financing and Anti-Bribery & Corruption. Prior to this I have been responsible for managing a portfolio of complex transformation programmes at Santander UK including Financial Crime. My career has always been within financial services and has covered both commercial and operational roles for both banks and a top 4 consultancy firm. My aspiration in my working life is to create an environment where Financial Crime professionals can make a real contribution towards disrupting organised crime and terrorist activity, pushing the boundaries of intelligence led detection; being motivated to continue developing and applying specialist skills and expertise. We embrace and respect diversity and active collaboration, enabling people and businesses to prosper, whilst also protecting our bank and our communities. There are opportunities to shape your career at Santander with progression through specialised roles or exploring different roles through learning and developing new skills and experiences
Marco Mukherjee, Director of Financial Crime

Financial intelligence unit

The Financial Intelligence Unit (FIU) sits within the Bank’s 2nd Line of Defence and seeks to use Financial Intelligence (internal & external) to identify Exposure and Risk to the Bank, from criminal networks and activity and emerging identified typologies. 

The aim of the FIU is to provide a proactive, effective and holistic intelligence capability, to source, identify, develop, evaluate and disseminate intelligence, both tactically and strategically. Tactical intelligence will include the identification and detection of criminal networks and organised crime groups in the customer databases, which pose a risk to the Bank, or specific control measures. Strategically, the FIU will identify, understand and present on emerging financial crime risk and typologies, allowing for effective management prioritisation of activities.


Corporate Bank & GCB Advisory Financial Crime First Line Risk Teams

I started my career in the British Army, and since held a variety of roles at across a diverse range of financial service companies. I joined Santander in April 2016 as Chief Operating Officer for Global Corporate Banking in the UK. I’m responsible for Middle Office, Governance Operational Risk and Compliance (GORC), Business Management and Change. I also provide a key interface with other support functions, including Compliance, IT, Risk, HR and Operations to ensure the alignment of all GCB initiatives.
Patrick Flynn, Chief Operating Officer for Global Corporate Banking

Corporate Banking Advisory

The Corporate Banking Advisory teams work with colleagues in the first line of defence to provide advice and guidance, and to ensure Policy, Legal and Regulatory compliance is achieved.

The teams are responsible for overseeing the effectiveness of SAN UK’s systems and controls across the Corporate business, to gain assurance that they are adequately managing and mitigating financial crime risk.


Additionally, the team is responsible for ensuring the business complies with all laws/regulations, policy and industry guidance associated with Anti-Money Laundering (AML), Sanctions, Counter Terrorist Financing (CTF) and Anti-Bribery & Corruption (ABC).
The teams also contribute to, and support the second line of defence oversight responsibilities, including reviewing the annual business risk assessment, reviewing and approving new products and initiatives and challenging the business to ensure there is effective risk management.
They are the first point of contact for forward facing areas of the business, ensuring the bank achieves policy and regulatory compliance in respect of financial crime.

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