Associate/Senior Associate - CDD QC

Job description

At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve. We’re seeking a future team member to join our Client Onboarding function as an Associate/Senior Associate within the Quality Control (QC) team. In this role, you’ll be responsible for conducting quality reviews of AML/KYC CDD assessments, ensuring regulatory requirements are met while supporting a smooth and exceptional client onboarding experience. This is a hands-on role suited to someone with strong AML/KYC experience who enjoys working collaboratively, providing constructive feedback, and contributing to continuous improvement. ### Job Responsibilities: - In this role, you’ll make an impact by: - Conducting AML CDD quality assurance reviews for both new-to-bank and existing customers. - Supporting AML CDD quality reviews for commercial business loan origination and Business Banking account set-up. - Work collaboratively with the **UK-based offshore onboarding team** to support quality control activities, contributing to consistent AML/KYC standards and effective cross-border delivery. - Communicating clearly and professionally to help manage expectations and maintain momentum across onboarding activities. - Providing constructive, high-quality feedback on CDD assessments to support learning and continuous improvement within the onboarding team. - Maintaining up-to-date knowledge of AML/KYC requirements and acting as a point of reference for QC-related queries. - Operating in line with the Bank’s Risk Management Framework and relevant risk and compliance policies and procedures. - Identifying opportunities to improve processes, controls, and ways of working. - Supporting the QC Lead on transformation initiatives and change activity. - Completing BAU, ad hoc administrative, and project-related tasks as needed. ### What We’re Looking For: - **Experience & Knowledge** - 5+ years’ experience in the financial services sector, ideally within commercial banking or lending. - Strong working knowledge of AML/KYC, including CDD and EDD. - Experience reviewing or analysing complex corporate structures, including exposure to non-transparent jurisdictions such as trusts and offshore entities (e.g. BVI, Channel Islands, Cayman Islands). - Familiarity with financial crime prevention controls and regulatory expectations. - **Skills & Attributes** - Strong attention to detail with the ability to consistently deliver high-quality work. - Confident written and verbal communication skills. - Comfortable working in a fast-paced environment with competing priorities. - Able to work independently while also contributing positively within a team. - Strong organisational skills with the ability to prioritise and manage workloads effectively. - Resilient and able to work to deadlines and service-level expectations. - A proactive mindset with a genuine desire to support colleagues and deliver a great client experience. - **Nice to Have:** - Advanced Excel skills. - ICA or ACAMS qualification. - Working knowledge of AEOI and FSCS requirements. - Experience working with private equity or real estate investment vehicles. - Ability to understand and interpret financial statements.