Customer Due Diligence Analyst, Onboarding

Mettle; City of Edinburgh; On-site; GBP 30,000 - 42,000; Full time

Job summary

Mettle is hiring a Customer Due Diligence Analyst for onboarding to help protect customers and the business from economic crime. You will review new account applications, assess risk, and collaborate across teams to ensure compliance with regulatory standards.

The role requires a curious, proactive mindset with strong communication skills and attention to detail, in a fast-paced environment. English proficiency is essential, and ongoing career development is supported.

Qualifications

• Experience or knowledge in customer due diligence and financial crime prevention.
• Strong communication skills and focus on positive customer outcomes.

Responsibilities

• Conduct robust reviews of new account applications within the Mettle proposition, ensuring risk appetite alignment and fair/ proportionate declines when needed.
• Identify and mitigate economic crime risks and escalate when necessary to protect customers and Mettle.
• Work within NatWest Boxed policies and established processes to ensure compliance and consistency.
• Seek ways to enhance processes for greater effectiveness and scalability.
• Review KYC/KYB data to prevent fraud and understand the account’s purpose.
• Review name screening for PEPs, sanctions, and adverse press; escalate true matches or discount appropriately.
• Investigate application fraud and other alerts from internal and external databases.
• Communicate with customers within SLAs, maintaining Mettle’s supportive tone.

Skills

CDD knowledge

Financial crime knowledge

Strong communication

English proficiency

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.