Customer Due Diligence; CDD) Design SME

The Customer Due Diligence (CDD) Design SME will operate within the second line of defence, providing deep Financial Crime subject matter expertise across the end-to-end CDD lifecycle.

You will work across the end-to-end CDD lifecycle, spanning global businesses, systems, controls and processes, to design effective, risk-based CDD controls and enhance existing controls where required. You will translate regulatory expectations, policy requirements, risk principles and control objectives into clear, practical and implementable design solutions, that strengthen control effectiveness, support sustainable delivery and drive measurable Financial Crime risk reduction.

This is a strong opportunity to join a team shaping the future design of Financial Crime controls across the bank. You will work on complex, high-impact issues, partner with experienced stakeholders across Compliance, business, technology, data and change teams, and help deliver practical improvements to the Bank’s Financial Crime control environment.

To be successful as a CDD Design SME, you should have the following:

• Regulatory and Risk Expertise:
  Advanced expertise in UK and international AML/Financial Crime regulatory requirements, regulatory expectations, industry guidance and emerging risk typologies, with the ability to interpret complex requirements and translate them into practical, risk-based CDD control designs.

• CDD Control Design Expertise:
  Proven ability to design, optimise and govern CDD controls, translating Financial Crime risks into effective system and control requirements, and experience embedding compliance-by-design principles. Demonstrable experience shaping CDD design across complex programmes and control environments, managing interdependencies, identifying design risks, providing effective challenge, and supporting pragmatic, risk-based solutions that embed compliance-by-design principles.

• End-to-End CDD SME Expertise:
  Deep practical expertise across the end-to-end CDD lifecycle, including Customer Risk Assessment, Identification & Verification, CDD/KYC, Enhanced Due Diligence and Ongoing Due Diligence, with a strong understanding of how CDD interacts with Screening, Transaction Monitoring, Intelligence, Investigations and Exits.

• Requirements and Target State Design Expertise:
  Ability to define, review and challenge business, risk and control requirements, and target state solutions, ensuring clear traceability from regulatory expectations and risk drivers through to control outcomes and delivery.

• CDD System Knowledge:
  Strong understanding of CDD systems, data flows, workflows and technology architecture, with knowledge of technology solutions that support CDD controls and experience contributing to technology-enabled control design.

Other highly valued skills include:

• Broader Financial Crime exposure, including Sanctions, Anti-Bribery and Corruption, Anti-Tax Evasion and other Financial Crime risk areas.

• Effective communication and stakeholder management skills.

You may be assessed on key critical skills relevant to success in the role, including risk and controls, change and transformation, business acumen, strategic thinking, digital and technology, as well as job-specific technical skills.

This role will be based out of our London or Glasgow office.

To support the organisation, achieve its strategic objectives by the identification of business requirements and solutions that address business problems and opportunities.

• Identification and analysis of business problems and client requirements that require change within the organisation.
• Development of business requirements that will address business problems and opportunities.
• Collaboration with stakeholders to ensure that…