Financial Crime Team Leader

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 This role will be based out of our Chatham office About the role: As the Financial Crime Team Leader, you will play a pivotal role in managing Financial Crime Operations to support and protect our customers. Your primary responsibility will be to ensure that we meet our legal and regulatory obligations regarding transaction monitoring and raising suspicious activity reports. Additionally, you will drive improvements as the financial crime landscape changes and when you identify efficiency opportunities. Your team’s objectives: The Fraud and Financial Crime Team aims to build and enhance an effective framework to combat fraud and financial crime while balancing the needs of our customers. Risk mitigation is a key objective, and we also focus on data analysis and automation to deliver solutions efficiently and effectively. The team works closely with all areas of the business to support initiatives that enable secure growth for the bank, providing advice and solutions. How you’ll impact those objectives: In this role, you will have a significant impact on the development of the Fraud and Financial Crime function across the firm. Your key responsibilities will include: * Monitoring the day-to-day performance and service position of Transaction Monitoring and Financial Crime Referrals as well as Suspicious Activity Reports (SAR’s) addressing identified challenges. * Overseeing the financial crime transaction monitoring team, providing direction and assisting with complex cases. * Equipping the Financial Crime operations teams with effective training and guidance. * Leading your team to conduct accurate and efficient investigations. * Supporting senior management in developing, communicating, and implementing operational changes, including multiple projects simultaneously. * Building and maintaining a high-performance, agile, and empathetic management culture consistent with our values. * Managing the personal and professional development of your direct reports. * Contributing to a strong control environment by minimising breaches and risk events, and resolving operational incidents. * Providing timely and useful operational management information to senior management. * Working closely and collaboratively with control owners responsible for financial crime controls that drive operational demand, including relevant product teams. Necessary deliverables within the role: * Working with the Head of Department, Managers and key stakeholders, including the Second Line Financial Crime function to implement an effective financial crime screening operation. * Collaborating with analytics to identify internal and external data sources that provide insights for identifying high-risk/criminal activity and integrating them into our overall data insight and profiling. * Collaborating with senior product stakeholders to ensure a cohesive approach from application to the existing customer life cycle. * Managing Financial Crime processes to optimise the operations function. 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!

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!  📍 Manchester | 🏢 3 days per week in the office Financial Crime/Customer Operations 🚀 Our Financial Crime team is growing quickly along with the company. They work on the front line to protect the company against financial crime such as money laundering and terrorist financing. From screening, onboarding, transaction monitoring through to CDD and EDD, they make decisions that really matter on a daily basis.  What You’ll Be Doing 🗃️ * Conduct CDD and EDD on SME customers in both the UK and US, with a focus on Know Your Business (KYB) requirements during onboarding and throughout the customer lifecycle. * Independently scrutinise and assess beneficial and complex ownership structures, including layered entities, trusts, offshore elements, and funds, ensuring decisions align with Capital on Tap's risk appetite. * Investigate high-risk or suspicious activity by analysing corporate structures, customer profiles, and behaviour to identify and mitigate red flags and indicators of financial crime. * Engage directly with customers, when needed, to clarify business activities, ownership, or source of funds/wealth. * Make sound, risk-based decisions based on available information and documented rationale. * Handle Transaction Monitoring alerts and escalations in line with established procedures, ensuring both quality and timeliness are met. * Prepare Suspicious Activity Reports (SARs) for internal approval and external submission to relevant authorities (NCA, FINCEN). * Act as a subject matter expert for financial crime escalations, providing support across the wider FinCrime team and business. * Support continuous improvement by sharing insights on emerging financial crime typologies and contributing to enhancements in monitoring, onboarding, and ongoing review processes. Our Values & Culture 🌞 * Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly. * Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage. * Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard. * Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done. * Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback. We’re Looking For 🔎 * Demonstrable experience in financial crime, specifically with CDD and EDD responsibilities for SME corporate customers in the UK and US. * Strong understanding of KYB regulatory requirements and expectations across both UK and US jurisdictions. * Experience of reviewing, assessing, and articulating risk of high risk customer bases, operating within higher risk industries and sectors.  * Demonstrated ability to independently review and analyse complex ownership structures, including trusts, funds, offshore vehicles, and multi-layered entities, and make risk-based decisions in line with company risk appetite. * Strong analytical, investigative, and report-writing skills with clear documentation of findings. * Exceptional attention to detail and the ability to work efficiently in a high-volume, fast-paced environment. * Confident communicator, capable of explaining complex decisions to both internal stakeholders and external customers. * Comfortable proactively raising questions and identifying areas for improvement. Interview Process 🤝 * Stage 1: 30 minutes with a Talent Partner * Stage 2: take home task * Stage 3: 60 minutes with a Team Leader and/or Senior Manager 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 🚘 Octopus EV Salary Sacrifice Scheme 🏖️ 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.)

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!  📍 Cardiff | 🏢 3 days per week in the office Financial Crime/Customer Operations 🚀 Our Financial Crime team is growing quickly along with the company. They work on the front line to protect the company against financial crime such as money laundering and terrorist financing. From screening, onboarding, transaction monitoring through to CDD and EDD, they make decisions that really matter on a daily basis.  What You’ll Be Doing 🗃️ * Conduct CDD and EDD on SME customers in both the UK and US, with a focus on Know Your Business (KYB) requirements during onboarding and throughout the customer lifecycle. * Independently scrutinise and assess beneficial and complex ownership structures, including layered entities, trusts, offshore elements, and funds, ensuring decisions align with Capital on Tap's risk appetite. * Investigate high-risk or suspicious activity by analysing corporate structures, customer profiles, and behaviour to identify and mitigate red flags and indicators of financial crime. * Engage directly with customers, when needed, to clarify business activities, ownership, or source of funds/wealth. * Make sound, risk-based decisions based on available information and documented rationale. * Handle Transaction Monitoring alerts and escalations in line with established procedures, ensuring both quality and timeliness are met. * Prepare Suspicious Activity Reports (SARs) for internal approval and external submission to relevant authorities (NCA, FINCEN). * Act as a subject matter expert for financial crime escalations, providing support across the wider FinCrime team and business. * Support continuous improvement by sharing insights on emerging financial crime typologies and contributing to enhancements in monitoring, onboarding, and ongoing review processes. Our Values & Culture 🌞 * Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly. * Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage. * Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard. * Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done. * Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback. We’re Looking For 🔎 * Demonstrable experience in financial crime, specifically with CDD and EDD responsibilities for SME corporate customers in the UK and US. * Strong understanding of KYB regulatory requirements and expectations across both UK and US jurisdictions. * Experience of reviewing, assessing, and articulating risk of high risk customer bases, operating within higher risk industries and sectors.  * Demonstrated ability to independently review and analyse complex ownership structures, including trusts, funds, offshore vehicles, and multi-layered entities, and make risk-based decisions in line with company risk appetite. * Strong analytical, investigative, and report-writing skills with clear documentation of findings. * Exceptional attention to detail and the ability to work efficiently in a high-volume, fast-paced environment. * Confident communicator, capable of explaining complex decisions to both internal stakeholders and external customers. * Comfortable proactively raising questions and identifying areas for improvement. Interview Process 🤝 * Stage 1: 30 minutes with a Talent Partner * Stage 2: take home task * Stage 3: 60 minutes with a Team Leader and/or Senior Manager 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 🚘 Octopus EV Salary Sacrifice Scheme 🏖️ 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.)