Financial Crime Investigator

Job description

## 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](https://uk.trustpilot.com/review/lendable.co.uk)) 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 ## **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. ## **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**. ## **How you’ll impact those objectives** - 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. ## **What do you need to succeed in this role?** - 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 financial crime prevention. - Demonstrated ability to leverage data, machine learning, and AI to develop and optimise strategies for fraud and financial crime detection and prevention. ## **The interview process** We’re not a corporation so we try our best to get things moving as quickly as possible. For this role we’d expect: 1) A 15 minute Cognitive Assessment 2) A 30 minute call with a member of the Talent team 3) An onsite Interview and Assessment with the Financial Crime Team Leader/Manager 4) Video Interview with the Head of Fraud and Financial Crime ## 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](https://blog.lendable.co.uk/)!