SME & Credit Fraud Prevention Expert

What we do?

UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 20 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub.

We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.

Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals.

We are looking for a SME & Credit Fraud Prevention Expert to join us at this pivotal moment, share our vision, and help shape the future of European banking. What you will be doing?

• Serve as a subject matter expert in financial crime risk related to SME clients and credit products, supporting complex case investigations and policy development

• Cooperation in developing and improving risk-based monitoring strategies and detection scenarios tailored to the behavior of SMEs and the typology of credit products.

• Advise first-line business functions on financial crime compliance in lending and SME onboarding processes

• Collaborate with model validation, credit fraud risk, and data analytics teams to improve detection models and scenario calibration

• Provide expert input into regulatory reporting, internal audit responses, and remediation of identified control gaps

• Participate in the design and delivery of specialized training focused on financial crime risks in SME and credit contexts

• Monitor changes in global regulatory frameworks and emerging typologies affecting SME lending and credit fraud (e.g., invoice fraud, credit misuse)
  
  

Skills you should have

• 5+ years of experience in financial crime prevention, with a strong track record in both AML and anti-fraud domains

• Demonstrated experience in SME banking and credit risk processes, with a strong understanding of how these intersect with financial crime exposure

• Deep knowledge of financial crime regulations and typologies applicable to business lending, trade finance, and SME products

• Ability to analyze complex data sets and risk indicators using advanced tools or analytics platforms

• Proven experience in designing or evaluating financial crime controls across the credit lifecycle (from onboarding to repayment/default)

• Excellent communication skills, with the ability to translate technical findings into actionable recommendations for senior stakeholders

• Proficiency in English and Polish, both written and spoken

• Degree in Finance, Law, Business, Risk Management, or a related discipline; postgraduate studies are a plus

• Relevant certifications (e.g., CAMS, ICA Specialist, CFE, or equivalent) highly desirable
  
  
  
  

What we offer You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.
Unless limited by banking regulations we offer a flexible form of contract.
You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.
If your role permits, we also offer flexible work location: home/office — according to your preference.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package.
We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support.
We co-sponsor your Multisport card and cover 50% of its cost.
You will work on computer equipment that delivers the best user experience — Apple MacBook.
Our office in Warsaw offers healthy snacks throughout the day. Our process We keep our recruiting process simple.
Step 1: Talk with one of our Recruiters about your to date experiences and ambitions
Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment Our note to you

We are an equal opportunity employer. We stand together in nurturing a workplace that welcomes diverse thinking and inclusive behaviors. By embracing diversity of thought and making all voices heard regardless of background, we drive innovation, sustainable growth, and new business opportunities. This inclusive approach enhances our work climate, directly boosting our people's productivity, well-being, and engagement.
Our Values - Integrity, Ownership, Caring - are more than just words. They are actions. Mandates. Pledges. When we all commit to these shared Values, we will deliver for our clients. And delivering for our clients - in any way, large or small - is how we fulfil our Purpose.
If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.We appreciate your time and application. Please note that we reserve the right to contact selected candidates.

Good luck!