Senior FinCrime Ops Manager

Operations & Process Improvement Intern - Financial Crime Ops

Lendable

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting As a Financial Crime Intern you would be expected to bridge the gap between our frontline Financial Crime Operational teams and our second line Financial Crime risk team. You will be the specialist responsible for reviewing, refining, and where possible standardising suspicious activity reports before they move to senior review. YOUR DAY-TO-DAY IMPACT: * You’ll review Suspicious Activity Reports (SARs) escalated from across the business including Frontline Operations , Fraud, and FinCrime teams. You will ensure every report is robust, evidence-led, and tells the full story of the circumstances. * You’ll go beyond the initial alert, ensuring that research is conducted on a proportionate basis to ensure that what has really happened is adequately documented. * You’ll assess high-risk relationships and provide clear, logical and sound rationales on whether we should continue a business relationship, balancing commercial success with risk mitigation. * You’ll constantly look for solutions to improve our ways of working, both with our people, AI systems and internal processes to make our reporting of SAR’s to the National Crime Agency (NCA) faster and smarter.     PERSON SPECIFICATION We hire for potential, mindset, and grit. This role is designed for someone who wants to start a career in Financial Services, not just fill a seat. * A sharp and quick thinking individual: Ideally someone who is in the process of studying for a degree in a relatable discipline (Financial Crime, Business, Criminology, Law, Psychology, Social Sciences, etc.) and wants a role where you can actually use your brain. * Someone who is intellectually curious, who questions the status quo and continues to challenge until the root of a problem is uncovered. * An individual with high energy - who thrives on a fast paced environment, is comfortable with ambiguity and can pivot quickly to changing processes and priorities. * Continuous improvement is your aim, you are always seeking fresh ideas and looking how to work smarter. ABOUT THE ROLE This is a 12-week internship program starting from 30th June Salary - £30,000 (per annum) We're looking for a sharp, intellectually curious final-year student who loves solving problems and finds smarter ways to do things to come and make a real impact in one of the UK's fastest-growing fintech companies. As an Operations & Process Improvement Intern, you’ll play an active role within our Financial Crime team, supporting the day-to-day running and continuous improvement of our operations. Alongside handling real casework, you’ll identify opportunities to streamline workflows, improve processes, and introduce automation where possible. This is a hands-on role with real ownership - you won’t just observe how operations work, you’ll help shape and improve them. WHAT YOU'LL BE DOING * Getting into the weeds of financial crime casework - learning how processes work end-to-end and presenting your own findings to senior leadership * Identifying manual, repetitive, or inefficient processes and finding ways to automate or improve them * Working with AI tools and internal systems to make case work faster and smarter * Collaborating with operational and risk teams to drive meaningful change WHAT WE'RE LOOKING FOR * A final-year university student, ideally from a top university * You don't need prior experience in financial services or financial crime - we hire for potential, mindset, and grit * A degree in STEM or relevant discipline is a plus (Financial Crime, Business, Criminology, Law, Psychology, Social Sciences, etc.) but not essential * Someone intellectually curious who questions the status quo and is a first-principles thinker * High energy - you thrive in a fast-paced environment, are comfortable with ambiguity, and can pivot quickly when priorities shift * A process improver - always looking for smarter ways to do things INTERVIEW PROCESS * 15 minute cognitive test * 30 minute video call with our Talent Talent * 45 minute case study * 30 minute final interview LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!

Financial Crime Compliance Specialist

Capital on Tap

We’re Capital on Tap 👋 💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.  1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started!  🏡🏢This is a Hybrid role, the Financial Crime Compliance team working from our London (Moorgate) office 3 days per week. Financial Crime Compliance at Capital on Tap The Financial Crime function is responsible for the ongoing management of the company’s Financial Crime policies, procedures and controls. This includes risk assessment and ongoing assurance of AML compliance, business advisory and management of high risk customer and suspicious activity escalations.  What You’ll Be Doing You will sit in the 2nd line Financial Crime Compliance team, operating independently from the 1st line FinCrime Operations team. Your job is to provide oversight, challenge, governance and handle escalations from 1LOD that may result in reporting and/or offboarding decisions. * Support the Head of FinCrime in owning and running Capital on Tap's compliance monitoring programme, designing thematic reviews and control tests that assess whether 1st line financial crime controls are working as intended. * Maintain and develop AML/CTF policies, procedures, and risk appetite standards — drafting updates in response to regulatory change, monitoring findings, QA output, and internal audit recommendations. * Support the completion of the business-wide Financial Crime Risk Assessment (FCRA), identifying areas of emerging risk and recommending proportionate controls. * Review internal UAR referrals from 1st line and other business areas, challenging quality and supporting the MLRO on whether external disclosure to the NCA is appropriate. * Act as the 2nd line subject matter expert for complex financial crime escalations - including PEPs, sanctions, adverse media, complex ownership structures, and high-risk onboarding - providing a governance view rather than making operational decisions. * Produce management information and compliance reporting for senior leadership and relevant governance committees. * Support horizon scanning activity, translating regulatory change into practical impact assessments for the business. * Coordinate with internal teams on law enforcement enquiries and partner bank requests, ensuring appropriate documentation and oversight. We’re Looking For 🔎 Required skills: * At least 3 years operating in a 2nd line financial crime or AML compliance function within a regulated UK financial services firm, particularly focusing on Business customers. * Demonstrable experience designing or running a compliance monitoring or control testing programme - not just participating in one. * Strong working knowledge of the UK Money Laundering Regulations 2017, JMLSG guidance, and POCA - applied in practice, not just in theory. * Experience contributing to or owning a financial crime risk assessment at a business or product level. * Ability to review SAR quality and challenge 1st line decision-making - SAR writing experience is useful context but not the primary requirement. * Comfortable presenting findings and recommendations to senior stakeholders and governance forums. * Sharp analytical thinking and clear written communication - you will be writing reports and policy documents that the business acts on. * Comfortable working independently and challenging the business constructively when controls fall short. Nice to have skills: * Strong presenting skills, able to break complex subject matter down into simple terms. * Experience with SQL and strong Excel skills. * Appropriate industry accreditation such as ICA Diploma or ACAMs. Diversity & Inclusion 🌈 We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work. Great Work Deserves Great Perks We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits: 🏥 Private Healthcare including dental and opticians services through Vitality ✈️ Worldwide travel insurance through Vitality 🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical) 👛 Salary Sacrifice Pension Scheme up to 7% match 🏖️ 28 days holiday (plus bank holidays) 📖 Annual Learning and Wellbeing Budget 👪 Enhanced Parental Leave 🚲 Cycle to Work Scheme 🚂 Season Ticket Loan 💬 6 free therapy sessions per year 🐶 Dog Friendly Offices 🍫 Free drinks and snacks in our offices Check out more of our benefits, values and mission here. Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com if you have any questions. Excited to work here? Apply! If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)

Senior Software Engineer (Backend)

Apron

ABOUT APRON Apron is building something game-changing. Founded in 2021, Apron set out to help SMBs win. Small businesses are the backbone of the economy, yet the systems they rely on (particularly around payments) are slow, manual and not built for them. The biggest threat to small business is cash flow, often stemming from a gap between the demand payments put on owners and the aptitude to make the payments effectively. Apron changes that. We are closing the gap by digitising and simplifying the payments process: capturing invoices, issuing expense cards, paying and getting paid, all in one place. We have grown fast over the past few years, expanding our team to circa 100 individuals across the UK, Germany, Spain and more. We are backed by Index Ventures, Bessemer Venture Partners, Zinal Grow and Tony Fadell and we’ve raised $50m. The ambition from here is not incremental growth. Apron is building a category-defining, global fintech business with a clear path to significant revenue scale and international expansion. The next phase requires not just great products and ambition, but a world-class Engineering team.   ABOUT OUR ENGINEERING CULTURE Engineers at Apron are at the heart of what we do. Here's what that means: * We build with the customer in mind. We use top-tier technology to build a product that genuinely makes their lives easier. * We own our work. We plan the approach, break it down, and bring it to life! * We embrace the complexity of finance. Working with money means navigating intricate business logic and thinking through every possible corner case. It’s a rewarding challenge where precision and attention to detail are crucial for building a trustworthy product. * We write code we're proud of. We work fast, but we build for the long term. Our code needs to be speedy, secure, and ready to grow with us. * We integrate AI tools. We use what's best out there to build a product that genuinely makes lives easier.   WHAT YOU’LL OWN We're hiring more than one engineer for different teams as we're scaling to new products and features. This means: * You'll work cross-functionally with Frontend Engineers, Product Managers and Product Designers to develop new products and features for some of our product verticals Capture, Bill Pay, Apron Card and GetPaid and some horizontals like FinCrime. * You’ll design systems and develop core financial integrations to guarantee customer funds are secure and transactions are routed with market-leading speed. * You’ll share your experience with others, driving innovation, proactively suggesting improvements.   WHAT YOU’LL NEED * 6-15 years of continuous experience as a backend engineer or Backend-leaning fullstack * Experience working in a product-led + fast-paced environment (startup or tech company). * Experience with relational databases. * Working knowledge of cloud platforms, with preference for Google Cloud Platform. * Keen attention to code quality, passion for efficient architecture, and commitment to optimising performance. * We use Kotlin for server-side development. While Kotlin proficiency is not mandatory, readiness to work with it is essential.   WOULD BE A HIGHLIGHT IF YOU: * Are proficient in Kotlin, for server-side development. * Have hands-on experience with Kubernetes and Terraform. * Have experience with advanced Postgres features like GIST indexes, partitioning and replication.   WHAT WE OFFER 💷 Highly competitive salary + meaningful stock options 📈 Pension plan with Nest 🏥 Health insurance (including Optical and Dental cover), Life Assurance 🚼 Enhanced parental leave 🥗 Weekly Deliveroo allowance 🌴 29 days of holidays (on top of Bank holidays) ☕ Flexible working hours 📍 Hybrid work 3 days a week in our London (Liverpool Street) offices. 🚲 Cycle to Work scheme, Electric vehicle scheme 🌍 Visa sponsorship (if applicable) OUR HIRING PROCESS Our process is straightforward and runs at your pace. We provide feedback in 24hrs. * Interview with our Recruiting team (30min) * Live Coding session (45min) * System Design Interview (60min) * Final interview with our Leadership team (60min) * Offer in 24hrs 🔥