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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 weddings 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

Job Purpose

• Complete Financial Crime Investigations from Transaction Monitoring Alerts, 2LOD referrals with varying degrees of complexity in line with documented processes.
• Ensuring that the identification of suspicious activity is identified and referred to 2LOD to fulfil SAR filling obligations.
• Understand the customer profile and ensure KYC/CDD is up to date and Initiate trigger events reviews where required.

Job Responsibilities

• Complete Financial Crime and transaction monitoring Investigations of customers with varying degrees of complexity in line with the policies and standards.
• Make decisions and Identify suspicions on alerts for customers and ensure the timely escalation of cases to 2LOD FC team to consider SAR filing.
• Manage and work Financial Crime Investigations.
• Consider if EDD checks for high-risk customers/business as well as for PEPs, when processing the Financial Crime Investigation.
• Completion of trigger events and periodic reviews.
• 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.
• Prevention, detection and investigation of financial crime/AML/KYC issues, including money laundering, fraud (internal and external, bribery & corruption and other regulatory malpractice.
• Liaise with business or outsourced customer service provider for additional customer information requests.

Proactively contact customers in line with the bank customer engagement strategy

Qualifications/Certifications

• 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

• 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 recognize 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

Technical/Specialist Knowledge & Skills

• Financial Crime knowledge, in particular CDD/EDD and transaction monitoring and/or payment screening.
• Ability to translate findings into constructive solutions
• Excellent customer service, presentation and negotiation skills with both internal and external parties.
• High level of Computer proficiency (good knowledge of MS Office suite – Excel, Word, Power-Point, with relevant analytical software)
• Good understanding of risk and risk-related concepts
• Be familiar with key risk indicators, linking these to risks and controls

Interpersonal

• Adaptable & flexible
• Excellent verbal and written communication skills
• Ability to work as part of a team
• Good planning and organisational skills
• Enthusiastic “can do” attitude
• Able to work under pressure and to tight deadlines
• Accuracy & Attention to detail
• Professional and well presented
• Establishes effective working relationships at all levels

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

Additional Information – specific to role.

• Permanent
• Able to commute to office base and other locations to meet demands of the role.
• Able to work extended hours on occasions when required.