About the role

The analyst will provide Line 2 oversight and advice on financial crime compliance frameworks, including AML/CTF, fraud, and scam risk management. They will also monitor regulatory developments, support assurance activities, and prepare reporting for governance forums.

What they look for

AML/CTF compliance Financial crime risk management Regulatory compliance Transaction monitoring Customer due diligence Risk assessment Policy development Stakeholder management Analytical skills Problem-solving Reporting Protecht GRC platforms Audit support

Requirements

Candidates must have experience in AML/CTF compliance, financial crime, or risk management within the financial services sector. A strong understanding of the AML/CTF Act and AUSTRAC regulatory expectations is essential.

Benefits

Flexible working Team social activities Flu vaccinations Career development opportunities

Full description

Financial Crime Compliance Analyst

Melbourne | Permanent - Full-Time

We are looking for a Financial Crime Compliance Analyst to join our Enterprise Risk, Compliance & Sustainability team and help strengthen our financial crime compliance capability across AML/CTF, fraud and scams risk management.

About the role

Reporting to the Regulatory Change and Compliance Manager, you will play a key role in providing Line 2 oversight, advice and constructive challenge across Heartland's financial crime compliance framework. You will work closely with stakeholders across the business to help ensure our policies, controls and reporting are effective, understood and aligned with regulatory obligations and risk appetite.

This role offers an excellent opportunity for someone with AML/CTF and financial crime experience who enjoys translating complex regulatory requirements into practical business outcomes.

What you'll be doing

Support the maintenance and continuous improvement of Heartland's AML/CTF, fraud and scam compliance frameworks and policies.

Provide Line 2 advice and challenge across customer due diligence, transaction monitoring, suspicious matter reporting and AUSTRAC obligations.

Review new products, services and business initiatives from a financial crime compliance perspective.

Monitor regulatory developments, including AUSTRAC guidance, AML/CTF Rule changes and emerging financial crime risks.

Support financial crime compliance assurance activities and assess the effectiveness of controls across the business.

Prepare reporting, insights and recommendations for management and governance forums.

Support financial crime training, awareness initiatives and continuous improvement activities across the organisation.

Maintain financial crime risk records and reporting within Protecht and support audit and assurance reviews.

Does this sound like you?

You have experience in AML/CTF compliance, financial crime, risk or compliance within banking or financial services.

You have a strong understanding of the AML/CTF Act, AML/CTF Rules and AUSTRAC regulatory expectations.

You enjoy partnering with stakeholders and providing practical advice that helps manage risk while supporting business outcomes.

You can translate complex regulatory requirements into clear and practical guidance.

You have strong analytical and problem-solving skills with excellent attention to detail.

You enjoy identifying opportunities to improve processes, controls and reporting.

Experience with Protecht or another GRC platform will be highly regarded.

ACAMS certification or a related financial crime qualification is desirable.

A bit about us and what we do

At Heartland Bank Australia, we focus on providing Australians with specialist banking products that are the best or only of their kind. We do this digitally so our customers can spend more time on the things that matter most - instead of waiting in a queue to speak with someone at a bank. We're well-established in Australia and have been serving Australians since 1971. We're the leading provider of reverse mortgages and of specialist livestock finance. We're part of the Heartland group of companies which has more than 145 years of experience in financial services. Heartland is listed on the New Zealand and Australian stock exchanges (NZX/ASX: HGH)

Can you see yourself here? Our values define who we are. We're innovative and always evolving. We work together as one team and have big ambition. We offer real opportunities for learning and career development. You can also get involved in driving change through our internal groups, including our rainbow committee, Growing Families, wellbeing and sustainability groups. Our perks include flexible working, regular team social activities and events, flu vaccinations and more.

Diversity & inclusion At Heartland, we're proud to celebrate the many characteristics that make us different. We're committed to improving the inclusiveness of our workplace, enabling our people to be authentic and helping us better understand and respond to our customers. We're an equal opportunity employer and we strongly encourage everyone to apply. Let us know if you need support throughout the application or interview process including a sign language interpreter or speech-to-text reporter. Feel free to share your pronouns in your application.

Keen to learn more? To learn more about Heartland, check out our website heartlandbank.com.au or follow us on LinkedIn linkedin.com/company/heartland-bank-Australia.

Please note you must be eligible to work in Australia.