Risk Investigations Senior Officer

Lloyds Banking Group; Douglas; Hybrid; GBP 33,000 - 35,000; Full time

Benefits offered by this job

Pension contribution up to 15%

Annual performance-related bonus

Share schemes

24 days holiday + bank holidays

Wellbeing initiatives

Parental leave policies

Job summary

Lloyds Banking Group in Douglas is seeking a Risk Investigations Senior Officer to support complex due diligence within the OKYC team. You will act as SME for customer due diligence requirements for Personal Banking and manage AML risk through cyclical reviews for High-Risk and PEP customers in line with policy and risk appetite.

The role is full-time with hybrid working; require strong AML/CDD/EDD knowledge, analytical and investigative skills, and the ability to document rationale clearly

Qualifications

• Strong technical knowledge of AML, CDD, EDD, High-Risk Customers and PEP requirements.
• Excellent oral and written communication skills.
• Ability to work across multiple stakeholders with organizational awareness.
• Attention to detail and ability to complete reviews to a high standard.
• Strong analytical and investigative capabilities.
• Ability to make balanced risk-based decisions with documented rationale.

Responsibilities

• Support the delivery of financial crime activities relating to complex due diligence.
• Act as SME for customer due diligence requirements for Personal Banking customers.
• Undertake ongoing due diligence and cyclical reviews for High-Risk and PEP customers.
• Maintain accurate records and clear audit trails to support regulatory requirements.
• Monitor and report on compliance standards to internal and external stakeholders.
• Identify and raise financial crime risks where appropriate.

Skills

AML knowledge

CDD

EDD

High-Risk customers

PEP requirements

Communication skills

Analytical skills

Investigative skills

Risk-based decisions

Attention to detail

Job description

End DateWednesday 28 October 2026Salary Range£33,203 - £34,950We support flexible working – click here for more information on flexible working optionsFlexible Working OptionsHybrid Working, Job ShareJob Description Summary.Job DescriptionJOB TITLE: Risk Investigations Senior OfficerSALARY: From £33,203LOCATION(S): Douglas Villiers HouseHOURS : Full time – 35 hours per weekWORKING PATTERN : Our work style is hybrid, which involves spending at least two days per week, or 40% of our time in the office. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.Please note this role is only available for candidates residing in, or to those who hold right to work permits for Isle of MannWhat you’ll be doing:An exciting opportunity has become available within the OKYC Team, supporting the delivery of financial crime activities relating to complex due diligence. Working within a dedicated due diligence team, you’ll act as a subject matter expert for customer due diligence requirements for Personal Banking customers.You’ll be responsible for appropriately managing AML risk through dedicated ongoing due diligence cyclical reviews for High-Risk and Politically Exposed Person (PEP) customers, ensuring compliance with Group-wide and local policy requirements and minimum standards in accordance with agreed risk appetite.As a member of a specialist due diligence team, you’ll provide technical subject matter expertise to assess potential and actual risk within customer portfolios, supporting the effective identification, assessment, and mitigation of financial crime risks.In this role you’ll:Challenge and support the business to ensure risks are understood, mitigated, and controlled.Prioritise work based on customer and business impact.Monitor and report on compliance standards to internal and external stakeholders.Undertake ongoing due diligence and cyclical reviews for High-Risk and PEP Personal Banking customers.Ensure reviews are completed within expected quality and regulatory standards.Provide guidance and support regarding customer due diligence requirements.Identify and raise financial crime risks where appropriate.Maintain accurate records and clear audit trails to support regulatory requirements.Why join us?We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.What we’re looking for?Strong technical knowledge of AML, CDD, EDD, High-Risk Customers and PEP requirements.Strong oral and written communication skills.Organisational awareness and the ability to work effectively across multiple stakeholders.Excellent attention to detail, with the ability to complete reviews to a high standard and identify potential risks.Strong analytical and investigative skills.The ability to make balanced risk-based decisions and clearly document rationale.We know that great talent comes from many backgrounds. We recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.This is a place for you:Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.We also offer a wide-ranging benefits package, which includes:A generous pension contribution of up to 15%An annual performance-related bonusShare schemes including free sharesBenefits you can adapt to your lifestyle, such as discounted shopping24 days holiday, with bank holidays on topA range of wellbeing initiatives and generous parental leave policiesReady for a career where you’ll learn and thrive?Apply today and find out more!Please note our roles can generate a considerable amount of interest and close early so don't miss out on this opportunity to apply today.At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.