Senior Client Onboarding Specialist

The Senior Client Onboarding Specialist is a senior practitioner within Wealth Management Client Onboarding, responsible for complex and higher-risk client relationships and for providing technical leadership across KYC, AML and financial crime matters.

The role combines hands-on ownership of complex cases with acting as a senior point of reference and deputy to the Client Onboarding lead, supporting consistent risk judgement and helping develop the technical capability of the wider team.

The successful candidate will bring strong practical AML and financial crime expertise and be comfortable moving beyond process-driven KYC to form a holistic view of the client and associated risks. This includes assessing complex structures, source of wealth and source of funds, identifying financial crime risks and determining when further investigation, challenge or escalation is required.

The role requires someone who can combine strong financial crime judgement with pragmatism, commercial awareness and a positive client experience.

Schroders is a global investment manager which provides active asset management, wealth management and investment solutions. We aim to provide excellent investment performance to clients through active management. We serve a diverse client base that includes pension schemes, insurance companies, sovereign wealth funds, endowments, foundations, high net worth individuals, family offices, as well as end clients through partnerships with distributors, financial advisers, and online platforms.

Established in 1804, we have around 5,500 people across 36 global locations. Schroders' success can be attributed to its diversified business model, spanning different asset classes, client types and geographies.

We moved into our new HQ in the City of London in 2018. We’re close to our clients, in the heart of the UK’s financial centre and we have everything we need to work flexibly.

• Lead complex, higher-risk and judgement-intensive onboarding cases across individuals, companies, trusts, foundations and other complex structures.
• Analyse ownership, control and governance structures and identify relevant beneficial owners and connected parties.
• Critically assess KYC information and evidence to develop a holistic understanding of the client, their circumstances, activities and purpose of the relationship.
• Apply strong AML and financial crime expertise to assess risks arising from PEP exposure, sanctions, adverse information, geography, complex structures and other higher-risk characteristics.
• Assess source of wealth and source of funds, including complex cases, and determine whether the overall narrative and evidence provide a credible and coherent explanation.
• Lead or support Enhanced Due Diligence and identify inconsistencies, unusual circumstances and potential financial crime red flags requiring further investigation or escalation.
• Exercise independent judgement and clearly articulate the rationale for risk-based decisions.

• Act as a senior technical point of reference for complex KYC, AML and financial crime matters.
• Support and deputise for the Client Onboarding lead where appropriate, providing continuity and senior technical support across the team.
• Guide and challenge colleagues on complex cases, helping them reach well-reasoned and defensible conclusions.
• Support the resolution and escalation of challenging or sensitive client matters with Front Office, Compliance and Financial Crime.
• Help translate policy, regulatory requirements and risk appetite into practical, proportionate application.
• Contribute to strengthening AML and financial crime expertise across the wider team.
• Promote strong First Line ownership of financial…