Risk Investigations Senior Officer

Lloyds Banking Group; Folkestone; Hybrid; GBP 30,000 - 37,000; Full time

Benefits offered by this job

Pension contribution up to 15%

Annual performance bonus

Share schemes including free shares

Lifestyle perks and discounts

24 days holiday + bank holidays

Job summary

Lloyds Banking Group is seeking a Risk Investigations Senior Officer for its OKYC team. The role focuses on complex due diligence to manage AML risk in Personal Banking, including ongoing cyclical reviews for High-Risk and PEP customers.

The position is hybrid with in-office collaboration and strong regulatory compliance expectations. You will provide subject-matter expertise, guide due diligence requirements, and maintain audit trails to support risk mitigation and governance.

Qualifications

• Experience with AML, CDD, EDD and High-Risk/PEP due diligence.
• Excellent written and verbal communication skills.
• Organisational awareness and ability to work across multiple stakeholders.
• Strong analytical and investigative capabilities.
• Detail-oriented with robust record-keeping and audit trails.
• Ability to document rationale for risk-based decisions.

Responsibilities

• 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.

Skills

AML knowledge

CDD/EDD

PEP knowledge

Communication skills

Attention to detail

Analytical skills

Risk-based decisions

Job description

Description

JOB TITLE: Risk Investigations Senior Officer

SALARY: From £33,203

LOCATION(S): Douglas Villiers House

HOURS: Full time – 35 hours per week

WORKING 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.

What 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 bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 24 days holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

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.