Financial Crime Investigator

Lendable; United States; Hybrid; USD 70,000 - 95,000; Full time

Benefits offered by this job

Health coverage

Flexible working

Office meals & snacks

Retirement savings plan

Employee referral programme

Job summary

Lendable is hiring financial crime investigators to screen new applicants and existing customers, reviewing profiles and transactions to identify risks. You will escalate concerns, prepare reports, and support ongoing monitoring within a growing fintech team.

This role includes hybrid work with in-office days and a focus on leveraging data and AI for prevention. The position emphasizes collaboration, strong writing, and the use of screening and KYC tools to ensure regulatory compliance and

Qualifications

• Experience in financial crime screening and investigations.
• Ability to review customer data and transactions for risk.
• Experience with PEPs and sanctions screening.

Responsibilities

• Conduct financial crime screening checks on new applications and existing customers.
• Investigate potential red flags and suspicious activity.
• Submit Suspicious Activity Reports as required.
• Support the Financial Crime Team and implement process improvements.

Skills

Financial crime

Screening checks

KYC

PEP checks

Data analysis

Tools

Screening tools

KYC software

Job description

ABOUT LENDABLE

Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s most exciting unicorns with a team of over 800 people
• Among the fastest-growing tech companies in the UK
• Profitable since 2017
• Backed by top investors including Balderton Capital and Goldman Sachs
• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot https://uk.trustpilot.com/review/lendable.co.uk)

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

JOIN US IF YOU WANT TO

1. Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
2. Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions
3. Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting

ABOUT THE ROLE:

• We’re hiring new financial crime investigators due to continued business growth.
• You’ll conduct important financial crime screening checks and investigations into new applicants and existing customers.
• You will use screening tools to match customer data against PEPs & Sanctions lists and use your initiative to determine the risks associated with the application/ customer.
• You will review customer profile information and transactional activity to identify financial crime risks, and take appropriate action on the account..
• You will submit internal Suspicious Activity Reports in instances where suspicious activity has been identified.
• As the business grows you may be required to take on additional tasks to support the Financial Crime Team.
• You’ll work in the office 3 days per week.
• You'll work 40 hours per week. This means you'll work Monday to Friday, from 9am to 6pm, with a one hour lunch break.
• You'll also work one full weekend (Saturday and Sunday), once every 4 weeks, and have two weekdays off in lieu.

YOUR TEAM’S OBJECTIVES

• Protect our customers and society, by preventing fraud and financial crime.
• Comply with financial crime regulations and company policy.
• Minimise customer and applicant friction through skilled and timely decisions.
• Identify opportunities for product and process improvement.

HOW YOU’LL IMPACT THOSE OBJECTIVES

• You’ll support new application checks and existing customer monitoring.
• You’ll investigate potential Politically Exposed Persons (PEPs) and Sanctions matches, and assist with onboarding reviews.
• You’ll monitor activity and transactions on customer accounts.
• You will help mitigate risk by escalating Financial crime concerns that you have identified during your reviews.

WHAT DO YOU NEED TO SUCCEED IN THIS ROLE?

• Ability to collaborate effective within a diverse team.
• Have an analytical mindset with a good attention to detail.
• Strong decision-making skills, and excellent writing skills to document decisions.
• Can effectively communicate with customers, applicants and senior management, when necessary.
• Proficient time management skills, comfortable meeting targets and deadlines.
• Previous financial crime experience is advantageous, particularly around screening and KYC.
• Experience in identifying opportunities for process improvements and implementing solutions, including the use of automation and AI technologies to enhance efficiency and effectiveness in financial crime prevention.
• Demonstrated ability to leverage data, machine learning, and AI to develop and optimise strategies for fraud and financial crime detection and prevention.

THE INTERVIEW PROCESS

We’re not a corporation so we try our best to get things moving as quickly as possible. For this role we’d expect:

1. A 15 minute Cognitive Assessment
2. A 30 minute call with a member of the Talent team
3. An onsite Interview and Assessment with the Financial Crime Team Leader/Manager
4. Video Interview with the Head of Fraud and Financial Crime

LIFE AT LENDABLE

• Winning team: the opportunity to scale up one of the world’s most successful fintech companies
• Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites
• Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls
• Health coverage: support for your physical and mental wellbeing, including private health cover
• Retirement & savings: long-term financial wellbeing through retirement savings plans
• Employee referral programme: earn a competitive bonus when you refer successful new team members
• Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations
• Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.

Check out our blog https://blog.lendable.co.uk/!