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Shawbrook is a specialist bank driven by a purpose to power up ingenuity to create opportunity, every single day.

We offer a diverse range of savings and loan products. From personal and business savings accounts and loans for wedding and new cars, to complex financial credit facilities for businesses requiring significant investment and mortgages for landlords with multiple properties – no two customers are ever the same.

We give our customers the best-of-both worlds, uniquely combining strong digital capabilities with human expertise and ingenuity to deliver the best outcomes. We rise to the challenge of a complex case or unconventional circumstances, and we love to make things happen. By being creative, practical, and personal, we know we can always find the right solution for our customers.

If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative, and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Role within the CDD team for Enterprise. Cover responsibilities for the combined CDD Teams including both Property and Business Finance activities. The roles will cover all aspect of the CDD team including

• Completing CDD of customers with varying degrees of complexity in line with documented processes
• Completion of trigger event and periodic reviews
• Remediation implementation
• Hunter fraud checks

Complete CDD of customers with varying degrees of complexity in line with the policies and standards, including:

• Completing ID&V checks, screening and E2E investigation (PEPs, Sanctions, media...) where necessary to inform the overall customer risk rating (CRA)
• Manage and work fraud investigations (CIFAS, Hunter etc)
• SDD and LDD when applicable
• EDD checks for high-risk customers/business as well as for PEPs.
• Make decisions on suspicion alerts for customers and escalation of cases to advisory FC team when necessary
• Raising SARs
• Completion of trigger event and periodic reviews
• Periodic reviews include screening of customers, beneficial owners against International Sanctions Lists, PEP data, source of wealth checks, discounting of partial matches and escalation of cases to Financial Crime advisory team
• Remediation of back book clients, reviewing and onboarding in the new system
• Manage and resolve end-to-end investigation (alerts, cases, reviews) in a timely manner
• Payment referrals
• Able to detail and rationalize decisions you make based on knowledge of Regulations
• Prevention, detection, and investigation of financial crime/AML/KYC issues, including money laundering, fraud (internal and external), market abuse, bribery & corruption, and other regulatory malpractice
• Support the delivery of the operational risk framework through regular review of key controls and compliance with financial crime policies, to ensure business areas, operate within risk appetite
• Quality control
• Liaise with RM for additional customer information requests
• Knowledge and understanding of JMLSG, Financial Crime FCA Handbook and key legislation such as Money Laundering Regulations, POCA and Bribery Act
• Knowledge and experience in using financial crime industry software solutions
• Ability to provide advice and guidance to the business on general financial crime matters
• Writing recommendations and mannerly reports when cases need approval/escalation (Forums, Head of Financial Crime, Director of Risk, MLRO…)
• Ability to identify potentially suspicious account activity and recognise when/how to report
• Experience researching and conducting non personal E2E due diligence e.g., deep understanding of business models, industries, corporate structures, and beneficial ownership requirements

• Preferably hold an appropriate professional qualification (ideally an ICA Certificate in Financial Crime Prevention and/or Anti Money Laundering)
• Preferably hold a Compliance, Risk Management or Chartered Insurance Institute certification
• Experience with CLM operations and customers onboarding
• Wide range of customers including private companies, Ltd Companies, government entities, Trusts, offshore jurisdictions
• Excellent written and verbal language skills
• Ideally a minimum of 2 years CDD/KYC experience

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done