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Job description

We are currently seeking experienced individuals to join the role of Complex Business Specialist.
We’re on a mission to disrupt financial services. Since we were founded in 2014 Starling Bank has grown to over 3m customers, including nearly 500,000 SME customers. Our customers have deposited over £9bn with us, and we have nearly £4bn in assets. We’re ranked number 1 for customer satisfaction in the UK, and intend to continue disrupting the UK market to improve customer experiences in banking. Our free Business Banking proposition is unique and market leading.
As we grow our digital services to UK SMEs and provide a truly revolutionary banking experience, we need a team of business specialists who are able to support our SME customers. This person will be a part of Starling’s proposition which looks to support more complex and corporate structure Business Banking clients.Initially this will be aimed at maximising the retention of existing customers but in the longer-term potentially onboarding new customers.
This role will have both external and internal stakeholders.

About the role:

• Business verification - to oversee the review of established Starling businesses customers. You will ensure that we hold a full understanding of the business, which includes risk assessment. The reviews will ensure that Starling’s KYB is maintained correctly and up to date. Any decisions which follow are taken in line with our risk appetite.
• You will understand Starling’s risk appetite and ensure it is applied in all reviews to maintain the integrity of the business relationships.
• Investigation skills will be required to identify new scenarios and cases and to challenge, review or champion change to policy, using your knowledge of banking and business customers.
• Through your role you will have a unique insight into our customers, enabling you to identify trends & behaviour and provide this feedback to drive further improvements to our proposition.

Requirements:

• Whilst being focused on retaining and optimising the Starling’s existing Business Banking relationships, you will balance the risk to our business
• Undertake detailed conversations with our Business Banking clients to gain a full understanding of their business; demonstrating confidence through competence and existing knowledge
• Liaise with internal stakeholders to drive the implementation of Starling’s ability to retain more complex and corporate structured business customers. This will include; Engine colleagues, in respect of internal platform design and requirements; Information Security, for API feeds from external sources;, Onboarding (Business and Personal), Compliance, MLRO, Banking and Commercial Risk, amongst others
• Able to draw own conclusions based on relevant data and make the right decisions, considering the result on both the business and customer outcomes
• Submit recommendations to leadership in relation to how we can support certain types of business
• Supporting colleagues and working with them to ensure that they deepen understanding of the client through proactive risk assessments and customer due diligence reviews
• Have strong understanding of the corporate onboarding process and be hands on in supporting colleagues who oversee the onboarding journey of new and existing clients.
• Be an SME business expert. Understand business banking, Starling products, and FinTech movement. Be a subject matter expert
• Understand the wider macro economic landscape impacting businesses and aware of the competitive landscape for businesses in their respective region

About You:
Experience of working in relevant environment/s, i.e. Business/Corporate Banking, Financial Services, KYC/B.
Be able to speak confidently to key stakeholders within our businesses, driven by a desire to give a better banking experience whilst balancing the risks
You will be supported to offer the best banking service to SMEs and to help them focus on building their business
You’ll be resolute in improving our proposition by working with our colleagues. You will want a chance to make a difference within Starling
You will care passionately about businesses and want to understand the customers you speak to
Meticulous and organised with ability to manage own workload
You will be team focussed, work closely with both your team and colleagues across a number of different areas of the bank.
Starling Bank supports customers 24/7, 365 days a year. We do this by working as a team.
This is a hybrid role based in the Southampton area with a requirement to travel to base office and other Starling offices as well as customer premises and other relevant business locations when necessary.
Looking forward, the SME team will be available to support Monday to Friday - 8am to 8.30pm, and Saturday and Sunday (8am to 6pm). We will operate an on call model for emergencies outside of these hours and during Bank Holidays.

Benefits:

• 25 days holiday (plus public holidays or opt out and use them when works for you)
• An extra day’s holiday for your birthday
• 16 hours paid volunteering time a year
• Salary sacrifice, company enhanced pension scheme
• Life insurance at 4x your salary
• Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
• Generous family-friendly policies
• Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
• Access to initiatives like Cycle to Work and Salary Sacrificed Gym partnerships

About Us:
We’re on a mission to radically reshape banking – and that starts with our brilliant team. We know that our bank is only as good as the people who build it. From customer support and engineering to marketing and business development, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.
You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway.
We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.
Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.
By submitting your application, you agree that Starling Bank may collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we may process, where we may process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.