Spyridon Gkinis
Birmingham,England
Summary
Financial Crime Analyst with experience in identifying, investigating, and mitigating financial crime risks within the bank. Experienced in reviewing alerts, conducting in-depth customer and transactional analysis, and managing customer relationships. Strong analytical and investigative capabilities with a proven ability to identify complex financial crime typologies, apply risk-based judgment, and document clear, defensible findings. I excel at working with transaction monitoring systems, screening tools, and working alongside multiple teams to support the bank’s financial crime prevention and compliance objectives.
Overview
7
7
years of professional experience
Work history
Financial Crime Investigator
Lloyds Banking Group
Birmingham, West Midlands
05.2024 - Current
- Investigation : Review alerts generated by transaction monitoring systems and other sources and analyse customer activity for suspicious patterns (such as, unusual transfers, structuring, rapid movement of funds) to identify potential financial crime concerns linked to money laundering (AML), terrorist financing (CTF), fraud, or sanction breaches.
- Suspicious Activity Reporting : Draft and file Suspicious Activity Reports with regulators, summarizing investigative findings concisely and accurately to ensure filings meet regulatory timelines and quality standards.
- Regulatory & Policy Compliance : Apply local and international regulations and stay up-to date with regulatory updates and internal policy changes.
- Case Management & Documentation : Document findings clearly and thoroughly in case management systems, maintain detailed audit trails that meet regulatory standards, and apply internal policies and regulatory requirements consistently.
Banking Consultant
Lloyds Banking Group
Birmingham, West Midlands
10.2022 - 05.2024
- Financial Reviews and Customer Relationship Management : Conducting thorough financial reviews as well as manage customer relationships for the Bank.
- Risk Evaluation and Mitigation : Identifying potential risks associated with customer accounts and credit facilities.
- Regulatory Compliance : Ensuring compliance with regulatory requirements and internal policies related to customer financial reviews, with a record of 5/5 fair customer outcomes by Regulators.
- Documentation and Reporting : Maintaining accurate and detailed records of customer financial reviews, including findings, and any action plans implemented.
Customer Service Assistant
Lloyds Banking Group
Birmingham, West Midlands
06.2019 - 09.2022
- Customer Assistance : Providing friendly and efficient assistance to customers with their stated as well as unstated banking needs.
- Compliance Monitoring : Assisting in monitoring customer transactions and account activities to detect potentially suspicious or fraudulent behaviour. This may involve reviewing transaction logs, account statements, and alerts generated by the bank's monitoring systems to identify unusual patterns or activities
- Product and Service Knowledge : Demonstrating a strong understanding of the bank's products and services to effectively assist customers.
- Customer Education and Support : Educating customers on how to use banking services such as online banking platforms, mobile apps, and self-service machines.
Education
Apolytirion of Geniko Lykeio (High School Diploma) -
Music School of Corfu
GreeceSkills
- Ability to identify patterns, anomalies, and red flags in large volumes of data
- Assessing risk vs suspicion
- Distinguishing false positives from genuine financial crime risk
- Strong understanding of AML, Sanctions, Fraud typologies, Bribery & corruption, and Tax evasion indicators
- Knowledge of relevant regulations
- Awareness of evolving typologies (crypto misuse, mule networks, trade-based money laundering)
- Ability to interpret complex transaction flows
- Understanding how different industries normally operate financially
- Advanced open-source intelligence skills
- Effective use of internal systems, alerts, and third-party databases
Analytical & Critical Thinking
Financial Crime & Regulatory Knowledge
Transaction & Financial Acumen
Research & Intelligence Gathering
- Ability to corroborate customer information using reliable sources
- Assessing source credibility
- Able to document clear, concise, and defensible case narratives
- Ability to explain complex financial activity in plain language
- Drafting SARs/Disclosures that are fact-based, logically structured and useful to law enforcement
- Strong attention to detail and consistency
- Making risk-based decisions with incomplete information
- Knowing when to escalate
- Balancing regulatory risk and customer impact
- Comfortable working with different monitoring systems and case management tools
- Ability to adapt to and efficiently learn how to use new systems
Writing & Documentation Skills
Judgment & Decision-Making Technology & Data Literacy
Timeline
Financial Crime Investigator
Lloyds Banking Group
05.2024 - Current
Banking Consultant
Lloyds Banking Group
10.2022 - 05.2024
Customer Service Assistant
Lloyds Banking Group
06.2019 - 09.2022
Apolytirion of Geniko Lykeio (High School Diploma) -
Music School of Corfu