Financial Crime Investigator
About the company
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 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)
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.
- 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
Your tasks
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.
Requirements
- 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.
What we offer
- 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
How to apply
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
Other
Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.