Morgan Clarke

I’m a financial crime and compliance professional with over five years of experience specialising in AML, KYC, and investigative work across the fintech and banking sectors. I’ve developed deep expertise in due diligence, risk assessment, and regulatory compliance—particularly in handling high-risk clients, politically exposed persons (PEPs), and complex financial crime investigations.

Currently, I work as an AML & CTF Investigator at Starling Bank, where I lead investigations into suspicious activity, produce high-quality reports for law enforcement and regulators, and collaborate with cross-functional teams to identify and mitigate emerging risks. I’ve also taken the lead on internal training, developing materials on fraud trends, ID verification, and AML controls, helping to improve knowledge and consistency across teams.

Previously, as a Due Diligence Specialist, I conducted enhanced reviews on high-risk clients, provided political risk guidance, and liaised with regulators to ensure case handling met strict compliance standards. I also supported new analyst training and played a key role in drafting policy-aligned documentation for complex onboarding decisions.

I hold an ICA Advanced Certificate in Anti-Money Laundering (Distinction) and bring strong analytical skills, a strategic mindset, and a genuine passion for protecting organisations and clients from financial crime. I’m especially interested in contributing to businesses that prioritise compliance, innovation, and continuous improvement in the fight against illicit finance.

I am a compliance and financial crime specialist with over five years’ experience across AML, KYC, and due diligence roles within the fintech and banking sectors. I’ve led investigations into suspicious activity, managed politically exposed and high-risk cases, and provided expert insight on financial crime risks—often involving international and complex elements.

My career has included roles in AML investigations, enhanced due diligence, and KYC onboarding at Starling Bank, where I’ve been trusted to train and support teams, liaise with external regulators, and contribute to the design of internal compliance frameworks. I’ve also collaborated with cross-functional teams and law enforcement partners to identify and escalate financial crime threats.

I hold the ICA Advanced Certificate in Anti-Money Laundering (Distinction) and have built a reputation for clear communication, strong risk judgement, and a hands-on approach to improving compliance standards. My experience spans both the operational and strategic sides of financial crime prevention, and I bring a passion for driving high-quality, ethical outcomes in regulated environments.

I hold the ICA Advanced Certificate in Anti-Money Laundering (awarded with Distinction), which provided comprehensive training in global AML frameworks, risk-based approaches, and regulatory obligations. In addition, I completed the ICA Specialist Certificate in Financial Crime Risk and New Technology, expanding my understanding of emerging risks, such as crypto-related threats and evolving digital compliance standards.

Alongside my professional qualifications, I earned a BSc (Hons) in Politics and International Relations from Plymouth University. My academic focus included global security, financial sanctions, and international regulatory cooperation—giving me a strong theoretical foundation in geopolitical risk, compliance frameworks, and the impact of sanctions on international finance.