Financial Crime Transformation and Design Lead Manager

Metro Bank (UK); Greater London; Hybrid; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Discretionary annual bonus

Healthcare

Pension scheme

Life assurance

Generous holiday allowance

Colleague discounts

Job summary

Metro Bank (UK) is seeking an experienced leader in Financial Crime, Fraud and Risk to drive regulatory alignment across transformation initiatives. You will shape customer journeys, define controls and challenge designs to reduce risk while enabling digital onboarding and AI-enabled capabilities.

The role requires strong stakeholder management, deep subject matter expertise in CDD/EDD, sanctions, screening and monitoring, and a proven track record in regulated environments.

Qualifications

• Significant experience in Financial Crime, Fraud, Compliance, Risk or related control function within a regulated environment.
• Subject matter expertise across Financial Crime disciplines including CDD, EDD, sanctions, screening, transaction monitoring, investigations, and lifecycle controls.

Responsibilities

• Act as lead Financial Crime and Fraud representative across strategic transformation initiatives, embedding regulatory obligations into designs.
• Shape future-state customer journeys, operating models, processes and control frameworks from a second-line perspective.
• Define and communicate business, data and control requirements to align with regulatory expectations.
• Design preventative, detective and monitoring controls across technology, processes and customer journeys.
• Review proposed solutions for control gaps and emerging risks before implementation.
• Leverage regulatory findings and remediation lessons to strengthen future solutions.
• Support technology-enabled controls, digital onboarding, screening, monitoring, automation and AI capabilities with governance.
• Assess risks across transformation initiatives and ensure mitigations are embedded.
• Influence senior stakeholders to reflect Financial Crime considerations in decisions.
• Provide recommendations on readiness and implementation risk for programmes.

Skills

Financial Crime

Fraud

Compliance

Risk management

CDD

EDD

Sanctions

Screening

Transaction monitoring

Investigations

Regulatory requirements

Stakeholder management

Governance

Education

ICA/ACAMS qualification

Job description

Team

Location AMAZE Central - Holborn

County Greater London

Ref # POS_18466

Closing Date 15-Oct-2026

At Metro Bank, we believe the best banking experience starts with people who genuinely care. We’re not just delivering banking services - we’re building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long-standing relationships. We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.

What You Will Do

• Act as the lead Financial Crime and Fraud representative across strategic transformation initiatives, primarily NextGen, ensuring regulatory obligations, risk appetite and control requirements are embedded into future-state business, operational and technology designs.
• Shape future-state customer journeys, operating models, processes and control frameworks, providing expert challenge and oversight from an independent second-line perspective.
• Define, maintain and communicate Financial Crime and Fraud business, process, data and control requirements, ensuring programme outcomes align with regulatory expectations and organisational risk appetite.
• Design and influence effective preventative, detective and monitoring controls across technology solutions, operational processes and customer lifecycle journeys.
• Review and challenge proposed solutions, identifying control gaps, weaknesses and emerging Financial Crime and Fraud risks before implementation.
• Leverage lessons learned from regulatory findings, remediation activities and control weaknesses to drive continuous improvement and strengthen future-state solutions.
• Support the delivery of technology-enabled controls, digital onboarding, screening, monitoring, automation and AI-driven capabilities, ensuring appropriate governance, transparency and human oversight are maintained.
• Assess financial crime, fraud, operational, technology, data and regulatory risks across transformation initiatives, ensuring appropriate mitigations are embedded within programme designs.
• Influence senior stakeholders and governance forums to ensure Financial Crime and Fraud considerations are reflected in key business, technology and programme decisions.
• Provide robust challenge, recommend design enhancements, elevate material risks where required and support the successful delivery of compliant, sustainable transformation outcomes.
• Provide recommendations regarding Financial Crime readiness and implementation risk associated with programme deliverables.
• Any other duties as reasonably required within the role

And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the ability to call out any concerns.

What You Will Need

• Significant experience within Financial Crime, Fraud, Compliance, Risk or a related control function within a regulated environment.
• Strong subject matter expertise across Financial Crime disciplines, including Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), sanctions, screening, transaction monitoring, investigations and customer lifecycle controls.
• Proven experience supporting large-scale transformation, technology, digital or strategic change initiatives, with the ability to translate regulatory requirements into practical business and technology solutions.
• Experience defining business, process, data and control requirements and influencing future-state operating models, customer journeys and technology designs.
• Strong understanding of Financial Crime control frameworks and experience designing, implementing or enhancing preventative, detective and monitoring controls.
• Experience assessing and challenging technology, data, automation and AI-enabled solutions to ensure Financial Crime and Fraud risks are effectively managed.
• Strong stakeholder management and influencing skills, with the ability to engage senior leaders across business, technology, product, architecture and programme teams.
• Sound understanding of Financial Crime regulatory requirements, risk management principles and governance frameworks.
• Excellent analytical, problem-solving and decision-making skills, with the ability to identify risks, challenge constructively and recommend effective solutions.
• Strong communication and presentation skills, including experience preparing risk opinions, governance papers and recommendations for senior stakeholders and governance forums.
• ICA, ACAMS or an equivalent Financial Crime qualification preferred.
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

Our promise to you…

• We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts!
• We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!

Important Footnote

Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl? Good luck!