Financial Crime Investigator

Skills this role screens for

About the role

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:

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.

• One of the UK’s most exciting unicorns with a team of over 800 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 https://uk.trustpilot.com/review/lendable.co.uk)

Also

JOIN US IF YOU WANT TO

• Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
• Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions
• Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting

The work

ABOUT THE ROLE

• We’re hiring new financial crime investigators due to continued business growth.
• You’ll conduct important financial crime screening checks and investigations into new applicants and existing customers.
• You will use screening tools to match customer data against PEPs & Sanctions lists and use your initiative to determine the risks associated with the application/ customer.
• You will review customer profile information and transactional activity to identify financial crime risks, and take appropriate action on the account..
• You will submit internal Suspicious Activity Reports in instances where suspicious activity has been identified.
• As the business grows you may be required to take on additional tasks to support the Financial Crime Team.
• You’ll work in the office 3 days per week.
• You'll work 40 hours per week. This means you'll work Monday to Friday, from 9am to 6pm, with a one hour lunch break.
• You'll also work one full weekend (Saturday and Sunday), once every 4 weeks, and have two weekdays off in lieu.

The company

YOUR TEAM’S OBJECTIVES

• Protect our customers and society, by preventing fraud and financial crime.
• Comply with financial crime regulations and company policy.
• Minimise customer and applicant friction through skilled and timely decisions.
• Identify opportunities for product and process improvement.

Also

HOW YOU’LL IMPACT THOSE OBJECTIVES

WHAT DO YOU NEED TO SUCCEED IN THIS ROLE?

• You’ll support new application checks and existing customer monitoring.
• You’ll investigate potential Politically Exposed Persons (PEPs) and Sanctions matches, and assist with onboarding reviews.
• You’ll monitor activity and transactions on customer accounts.
• You will help mitigate risk by escalating Financial crime concerns that you have identified during your reviews.
• Ability to collaborate effectively within a diverse team.
• Have an analytical mindset with a good attention to detail.
• Strong decision-making skills, and excellent writing skills to document decisions.
• Can effectively communicate with customers, applicants and senior management, when necessary.
• Proficient time management skills, comfortable meeting targets and deadlines.
• Previous financial crime experience is advantageous, particularly around screening and KYC.
• Experience in identifying opportunities for process improvements and implementing solutions, including the use of automation and AI technologies to enhance efficiency and effectiveness in