Financial Crime Investigator

hackajob is collaborating with Lendable to connect them with exceptional professionals for this role.

Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s newest unicorns with a team of just over 700 people
• Among the fastest-growing tech companies in the UK
• Profitable since 2017
• Backed by top investors including Balderton Capital and Goldman Sachs
• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)

So far, we’ve rebuilt the Big Three consumer finance products from scratch:
loans, credit cards and car finance
. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

Join us if you want to

• Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
• Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
• Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

• We’re hiring new financial crime investigators due to continued business growth.
• You’ll conduct important financial crime screening checks and investigations into new applicants and existing customers.
• You will use screening tools to match customer data against PEPs & Sanctions lists and use your initiative to determine the risks associated with the application/ customer.
• You will review customer profile information and transactional activity to identify financial crime risks, and take appropriate action on the account..
• You will submit internal Suspicious Activity Reports in instances where suspicious activity has been identified.
• As the business grows you may be required to take on additional tasks to support the Financial Crime Team.
• You’ll work in the office 3 days per week.
• You'll work 40 hours per week. This means you'll work Monday to Friday, from 9am to 6pm, with a one hour lunch break.
• You'll also work one full weekend (Saturday and Sunday), once every 4 weeks, and have two weekdays off in lieu.

• Protect our customers and society, by preventing fraud and financial crime.
• Comply with financial crime regulations and company policy.
• Minimise customer and applicant friction through skilled and timely decisions.
• Identify opportunities for product and process improvement.

• You’ll support new application checks and existing customer monitoring.
• You’ll investigate potential Politically Exposed Persons (PEPs) and Sanctions matches, and assist with onboarding reviews.
• You’ll monitor activity and transactions on customer accounts.
• You will help mitigate risk by escalating Financial crime concerns that you have identified during your reviews.

• Ability to collaborate effectively within a diverse team.
• Have an analytical mindset with a good attention to detail.
• Strong decision-making skills, and excellent writing skills to document decisions.
• Can effectively communicate with customers, applicants and senior management, when necessary.
• Proficient time management skills, comfortable meeting targets and deadlines.
• Previous financial crime experience is advantageous, particularly around screening and KYC.
• Experience in identifying opportunities for process improvements and implementing solutions, including the use of automation and AI technologies to enhance efficiency and effectiveness in financial crime prevention.
• Demonstrated ability to leverage data, machine learning, and AI to develop and optimise strategies for fraud and financial crime detection and prevention.

We’re not a corporation so we try our best to get things moving as quickly as possible. For this role…