Customer Due Diligence Analyst, Onboarding

NatWest Group; City of Edinburgh; On-site; GBP 32,000 - 52,000; Full time

Benefits offered by this job

Career development

Supportive team

Job summary

NatWest Group’s Mettle team is hiring a Customer Due Diligence Analyst, Onboarding to support Boxed banking-as-a-service. You will conduct regulatory-compliant account reviews and help ensure the risk that customers pose fits our risk appetite.

You’ll work in a fast-paced, collaborative environment with a focus on accurate data gathering and timely decisions, while developing your career in financial crime prevention. Strong English communication is essential.

Qualifications

• Experience in customer due diligence, economic crime prevention, AML, PEPs/Sanctions, KYC/KYB.
• Curious and analytical mindset with a risk-based approach.
• Thrives in a fast-paced environment with multiple priorities.
• Excellent written and verbal English communication.

Responsibilities

• Conduct robust reviews of new Mettle account applications aligning with risk appetite and decline when appropriate.
• Identify and mitigate economic crime risks; escalate to protect customers and Mettle.
• Operate within NatWest Group policies and Boxed processes for compliance and consistency.
• Seek opportunities to improve processes for greater efficiency and scale.
• Review KYC/KYB check reports and application data to prevent fraud and understand account purpose.
• Review name screening hits for PEPs, sanctions, and adverse press; escalate or discount as warranted.
• Investigate alerts from UID, CIFAS and other sources; communicate findings clearly.
• Contact customers, manage chats within SLAs, and maintain a supportive tone.

Skills

CDD knowledge

Financial crime

Risk assessment

Communication skills

Analytical mindset

English proficiency

Education

AML/KYC qualifications useful

Job description

Join us as a Customer Due Diligence Analyst, Onboarding at Mettle

• If you have a curious mind and like to work in a fast paced, innovative environment, this is a fantastic opportunity to join us as a Customer Due Diligence Analyst.
• You’ll work diligently and efficiently to protect our customers and the organisation from economic crime
• This is an opportunity to join a supportive team where we’ll also take a real investment in your career development

What you'll do

In this role within the Customer Due Diligence function, you will primarily focus on the Mettle proposition, supporting Boxed banking-as-a-service processes as needed. As a key part of our first line of defence against economic crime, you will ensure regulatory obligations are met, conduct efficient account reviews, and risk assess customers using various sources to confirm they meet our risk appetite.

You’ll be responsible for:

• Conducting robust reviews of new Mettle account applications, ensuring our customers align with NatWest Boxed's risk appetite. You'll make fair and proportionate decline decisions where required
• Identifying and mitigating economic crime risks, escalating effectively when needed to protect both our customers and Mettle
• Operating diligently within NatWest Group policies and NatWest Boxed established processes, ensuring compliance and consistency
• Constantly seeking opportunities to enhance our processes for greater effectiveness and efficiency, helping us scale and improve
• Reviewing Know Your Customer (KYC) / Know Your Business (KYB) check reports and application data to prevent application fraud and truly understand the nature and purpose of the account
• Reviewing name screening hits for Politically Exposed Persons (PEPs), Sanctions, and Adverse Press. This involves escalating true matches or making well-rationalised discounting decisions
• Investigating application fraud and other economic crime-related alerts from internal and external databases, like the Untoward Incident Database (UID) and Cifas
• Contacting customers, managing your chats within our Service Level Agreements (SLAs) and communicating clearly and concisely, always embodying Mettle's supportive tone of voice

The skills you'll need

Seeking a curious and innovative individual with CDD or Financial Crime knowledge. Recognised qualifications are helpful but not necessary - we can help you achieve these once you join. Strong communication skills and a focus on positive customer outcomes are essential.

You’ll also need:

• Previous experience in customer due diligence, economic crime prevention, or similar fields (e.g. AML, PEPs/Sanctions, KYC/KYB).
• A curious and analytical mind, adept at applying a risk-based approach to efficiently manage high volumes of work.
• Proven ability to thrive in a fast-paced environment, handling multiple priorities with precision and calm.
• Excellent communication skills, both written and verbal, with a strong command of English.
• Sharp critical thinking, sound decision-making, and exceptional time management.
• Meticulous attention to detail and a proactive, self-starting approach to your work and record-keeping.