Senior Anti-Financial Crime & Onboarding Analyst

London, Manchester

LHV Bank Limited is a UK‑licensed bank operating across three core business segments:
Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023.

The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment.

Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed‑rate bonds for long‑term savings, and debit cards. Customers can conveniently access these services through the LHV App, enabling secure account opening and management.

Senior Anti‑Financial Crime & Onboarding Analyst

This is primarily an office‑based role, requiring a minimum of two days per week in either the Manchester or London office. Additional travel to these offices may occasionally be required.

About the job

The Senior AFC and Onboarding Analyst supports the delivery of effective first line financial crime controls and client onboarding activities within SME Lending. The role is responsible for assisting with KYC, EDD, sanctions screening, onboarding including quality assurance, and ongoing process improvements to support the continued growth of the franchise while maintaining strong control standards.

Reporting to the Anti‑Financial Crime & Onboarding Manager the role will work closely with Head of SME Product, Risk and Financial Crime, Lending Managers, Operations, and Compliance, to ensure onboarding is completed efficiently, consistently, and in line with internal policies and regulatory expectations.

In this role you will play a pivotal part in the frontline defence against financial crime, serving as a subject matter expert and point of reference for team members. You’ll be responsible for assisting with and overseeing the quality and accuracy of due diligence performed by the frontline team, ensuring high standards are consistently met.

You’ll work in close partnership with internal stakeholders and external partners to strengthen and evolve our AML and KYC processes, and assist the AFC and Onboarding Manager in providing regular updates via preparation of MI on financial crime risk.

If you’re a KYC professional seeking an opportunity to shape policies and procedures, support team development, and share your expertise across the wider function we’d be excited to hear from you.

• Support customer due diligence (CDD), enhanced due diligence (EDD), and transaction monitoring activities to ensure the Bank’s compliance with AML and KYC regulations.
• Support AML/KYC reviews on new and existing customers in line with internal policies and regulatory requirements.
• Review and assess the suitability of customer documentation including corporate structures, identification documents, source of funds/source of wealth evidence and lending‑related information.
• Utilise internal onboarding and monitoring systems, together with third‑party screening tools to conduct and assess sanctions, PEP, adverse media and background checks.
• Manage and monitor investigations of alerts from monitoring systems, escalating suspicious activity as appropriate.
• Liaise with internal teams to obtain missing information or resolve KYC issues.
• Contribute to the overall continuous improvement and development of the AML/KYC operations by supporting the implementation of internal controls, process improvements and documentation updates.
• Assist in the preparation of internal reports and MI relating to financial crime and AML.
• Stay current on AML/CTF legislation, typologies, and regulatory expectations.
• Provide guidance and day‑to‑day support to frontline colleagues on AML/KYC requirements and onboarding best practice.

• Previous demonstrable experience in a KYC, AML, or…