Lead, Onboarding, KYC, UK

BCB Group

FINANCIAL CRIME QC LEAD Overview You are a professional with deep expertise in establishing and maintaining robust quality control frameworks within a financial crime environment. You are analytical and focused on delivering high-quality outcomes. Duties and responsibilities QC Governance and Oversight * Take responsibility for the end-to-end Financial Crime and Onboarding QC framework for BCB Group, including standards, calibration, and escalations. * Define and maintain the QC methodology (including sampling, scoring, and documentation) in line with Group policy, regulatory guidance, and internal risk appetite. * Provide challenge on identified shortcomings and financial crime risk issues, ensuring a timely remediation process and clear accountability. * Lead analysis of QC findings, drive corrective actions, and ensure BCB Group remains both audit and regulatory compliant. Quality Control and Review * Perform detailed quality reviews of Fraud/TM/KYC processes across a range of risk levels. * Assess accuracy and consistency against the QC checklist and scoring criteria, as well as internal policies and regulatory requirements. * Apply a risk-based approach in reviewing to identify inconsistencies and potential financial crime risks. * Ensure all casework meets internal and external standards and support challenging conversations on findings. Coaching & Improvement * Work with the Financial Crime team to ensure timely completion of reviews and processes and support prioritisation of workloads to meet team objectives. * Provide constructive feedback and coaching to team members. * Identify recurring issues and themes, escalation trends, and recommend solutions at operational and technological levels. * Support the development of quality standards, guidance, and training. Stakeholder Management * Engage with the Onboarding and Financial Crime Teams, including investigators, managers, and executives. * Clearly articulate and justify QC decisions, particularly when challenged. * Build strong working relationships to support a collaborative culture. Process Change * Contribute to process enhancements and efficiency initiatives across the team. * Understand developments in UK and EU Law to support changes in the function. * Provide input into process improvements, policy updates, control frameworks, and system improvements. * Support implementation of regulatory or internal change initiatives. What you will bring to the team: * Experience managing a QC function in a FinTech or start-up environment. * Experience as a financial crime investigator or analyst. * Proficiency handling wide sets of data and presenting key findings. * Confidence in communicating to key stakeholders. * Desired: Experience working with Chain Analysis. What We Offer * 30 days annual leave per year. * 4 wellbeing days per year. * 1 company volunteering day per year. * Private Healthcare (AXA + Livi 24/7 virtual doctors). * Pension: 5% Employee / 3% Employer via Salary Sacrifice. * Income Protection: 13 weeks full pay, then 67% salary (long-term absence). * Life Insurance: 2x salary (death in service). * Enhanced Parental Leave: 17 weeks full pay, 10 weeks half pay, then statutory — for all parents. * Menopause Policy. About BCB Group BCB Group is a leading provider of regulated payment and trading services in crypto and fiat for the digital asset economy. We provide accounts, cryptocurrency, and foreign exchange market liquidity for some of the world's largest businesses, including exchanges, liquidity providers, market makers, investment firms, custodians, payment processors, and wallet providers. Our end-to-end suite of products is accessible through our Client Console UI and API. We offer more than 40 fiat and cryptocurrencies, deep trading liquidity, 24/7 instant payments through our instant settlements network BLINC, and secure crypto services. Authorised in the UK, France, and Switzerland. Our mission: to create the trusted platform to pay, store, trade, and earn fiat and digital assets, globally 24/7. www.bcbgroup.com

Paddle

WHAT DO WE DO? Paddle offers digital product companies a completely different approach to their payment infrastructure. Instead of assembling and maintaining a complex stack of payments-related apps and services, we’re a Merchant of Record for our customers. That means we take away 100% of the pain of payment fragmentation. It’s faster, safer, cheaper, and, above all, way better. We’re backed by investors including KKR, FTV Capital, Kindred, Notion, and 83North and serve over 6000 software sellers in 245 territories globally. THE ROLE: We are looking for a highly motivated self-starter who will bring with them a solid background in leadership, process optimisation and onboarding risk management in a fast-paced, ever-changing environment. You will manage our Onboarding Risk team, with analysts and leads across 3 different regions (NA, UK/EU, APAC). The Onboarding Risk team is the first line of defence for identifying fraud and payment-related risks during account onboarding. As the Onboarding Risk Manager, you will report to and support the Head of Risk & Compliance to identify and drive improvements to ensure our risk processes are holistic, compliant, and of exceptional standards. Your key responsibilities will be: * Lead the day-to-day operations of the Onboarding Risk team, ensuring consistent, high-quality risk decisions and throughput * Manage, coach, and develop team members and team leads; set clear goals, feedback rhythms, and performance standards * Provide expert support on complex or high-risk applications, including escalations and judgement-based decision-making * Own onboarding risk procedures: document, maintain, and continuously improve processes, controls, and playbooks * Build strong relationships across Risk and with key internal and external stakeholders to enable effective decisioning and smooth execution * Oversee and strengthen onboarding risk management, ensuring policies and controls are applied effectively and proportionately In addition to your key day-to-day responsibilities you will also collaborate with the Legal, Support and Product teams in projects to help improve the Risk & Compliance function at Paddle. You will also have the opportunity to assist with recommendations or decisions on company risk-related matters with the Head of Risk & Compliance. Previous experience in line management is required as you will work to support the growth and development of the teams. Knowledge of scheme rules and legislation around acquiring would be beneficial as well as any prior experience building/updating risk related processes. This role is ideally based in the UK, but we are willing to consider applications +/- 1 GMT. WHAT YOU'LL DO: * Line manage the Onboarding Risk function across all regions, aligning priorities, coverage, and decision standards * Act as a subject-matter expert for onboarding processes (KYB, KYC, Screening, Final Reviews), risk assessment, and decisioning frameworks * Partner closely with leaders and peers beyond your immediate domain (Sales, Customer Support, Operations, and Engineering) to ensure onboarding delivers both strong risk outcomes and an excellent customer experience * Manage and influence key cross-functional relationships to unblock decisions, resolve issues, and drive process improvements * Develop, implement, and maintain onboarding processes and procedures—documenting internally and externally where needed * Demonstrate broad knowledge of cross-functional dependencies, aligning processes to optimise outcomes for the Onboarding Risk queues. * Handle complex escalations, make sound judgement calls (including with incomplete information), and ensure decisions are well-reasoned and appropriately recorded * Communicate clearly and concisely with stakeholders at all levels, including translating risk decisions into customer-appropriate narratives where required * Provide expertise on Card Scheme rules and relevant global payments legislation, and ensure processes reflect evolving requirements * Evolve the KPI structure in collaboration with the Head of Risk & Compliance, ensuring the team meets their goals while fostering a supportive and inclusive environment. WE'D LOVE TO HEAR FROM YOU IF: * You have 4+ years experience in Onboarding or Credit Risk spaces * You have 2+ years experience working in Merchant Acquiring, E-Commerce, or a similar role at a FinTech * You have 3+ years experience in team management * You are comfortable working with teams in multiple time zones * You have a positive attitude and enjoy supporting and nurturing others * You bring solutions to the table and you aren’t afraid to point out where we’re going wrong * You have excellent communication skills, and are a fluent English speaker/writer * You love reading and learning about new ways of doing things. There’s always a better way * You’re comfortable with a little chaos and uncertainty. We move fast and sometimes decisions are made quickly and without all of the information * You have experience and understanding of scheme requirements (desired, but not required) * You’re comfortable with using Artificial Intelligence in everyday processes Everyone is welcome at Paddle At Paddle, we’re committed to removing invisible barriers, both for our customers and within our own teams. We recognise and celebrate that every Paddler is unique and we welcome every individual perspective. As an inclusive employer we don’t care if, or where, you studied, what you look like or where you’re from. We’re more interested in your craft, curiosity, passion for learning and what you’ll add to our culture. We encourage you to apply even if you don’t match every part of the job ad, especially if you’re part of an underrepresented group. Please let us know if there’s anything we can do to better support you through the application process and in the workplace. We will do everything we can to support any accommodations needed. We’re committed to building a diverse team where everyone feels safe to be their authentic self. Let’s grow together. Our Values * Paddle Together - “None of us, is as smart as all of us” * Paddle Simply - “Simple can be harder than complex: you have to get your thinking clean to make it simple” * Paddle for others - “We can realise our wildest dreams, so long as we help enough other people to realise theirs”   Why you’ll love working at Paddle We are a diverse, growing group of Paddlers across the globe who pride ourselves on our transparent, collaborative and respectful culture. We are a ‘digital-first’ company, which means you can work remotely, from one of our stylish hubs, or even a bit of both! We offer all team members generous holiday leave and 4 months paid family leave regardless of gender. We invest in learning and will help you with your personal development via constant exposure to new challenges, an annual learning fund, and regular internal and external training.

Teya

Hello. We’re Teya. Teya was founded on a simple belief: local businesses deserve better. They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business. Teya exists to change that. We’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work. We move fast. We care about quality. We stay close to the detail. And we believe great performance and genuine hospitality should go hand in hand. If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from you The CDD Operations Lead is responsible for overseeing Teya's customer due diligence function, covering merchant onboarding and ongoing Customer Due Diligence reviews. The role ensures that CDD operations are delivered to a high standard, within SLA, and in accordance with regulatory requirements and internal procedures — supporting Teya's commitment to preventing financial crime and maintaining a compliant customer base. You will be used to working in a fast-paced environment, thrive on challenge, and be flexible to working extended hours subject to business needs. Key Objectives: * Lead, mentor, and develop the CDD operations team across onboarding and ongoing reviews, ensuring staff are equipped with the knowledge, tools, and skills to perform effectively and within SLA * Maintain and enforce quality standards across all CDD processes, acting as an escalation point for complex cases and conducting regular quality assurance checks * Own and continuously improve CDD procedures and workflows, identifying efficiencies and driving process improvements. * Act as the primary operational point of contact for internal stakeholders — including Sales, Customer Relations and Product teams, explaining CDD requirements, resolving queries, and ensuring a consistent customer experience * Work with Product and Technology teams, and external vendors, to ensure CDD tooling and systems are optimised and enhanced to support effective and efficient due diligence operations * Produce and maintain MI and reporting on team performance, SLA adherence, and quality metrics, using data to drive decisions and identify risk or capacity issues Job Requirements: * Minimum 2 years of experience leading a CDD or KYC operations team in a fintech, bank, or merchant acquirer * Solid working knowledge of CDD and KYC requirements * Understanding of UK and EU AML regulations as they apply to Customer Due Dilligence * Strong people management skills with experience managing teams across multiple workstreams * Proven ability to manage SLAs and quality in a high-volume operational environment * Excellent stakeholder management and communication skills, including the ability to explain compliance requirements clearly to non-compliance audiences * Comfortable operating in a fast-paced, ambiguous environment with competing priorities Desirable: * AML qualification (e.g. ICA or ACAMS) * Experience working in a merchant acquiring or payments business * Experience working with CDD, onboarding, or screening vendors to implement and enhance tooling and workflows * Experience working across different geographies Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.