Reporting to the Chief Risk & Compliance Officer (MLRO), the Financial Crime Compliance Manager will:
Someone with a genuine interest in Chip and is excited about being part of a fast-growing company and our mission to build the investment super app of the future.
Although we're in the financial space, and under the scrutiny that comes with it, the current compliance/risk team works well together, and even sometimes with a smile. We're sure you've got the technical skills, otherwise, you would have stopped reading by now, so let us be clear on what will make us want to work with you.
We want a real person, with interests outside of work, to join our team. You could be a dancer, a gamer, a musician, a parent, a hockey fan, or even that one person that still writes Twilight fan-fiction. Doesn't matter to us.
At the interview stages, we will be looking for empathy, eq, fun stories, and the ability to smile even when things are tough.
Working Hours
PERKS
About us
Our mission is to make our customers wealthy.
We're building the wealth super app of the future. An app to build your long-term wealth across savings, investments and pensions.
We use technology to break down barriers so users can invest like the ultra-wealthy, giving them one simple place to manage, grow and protect their wealth.
The Sunday Times listed Chip as the 6th fastest growing tech company in Britain... and we're not slowing down. Chip serves over 300,000 active customers and looks after over £5billion in assets. These customers trust us to build the most amazing product we can, so working at Chip comes with real purpose.
Chip is being built by a fast-growing team of designers, developers, customer service professionals, marketers, banking experts, and entrepreneurs. Our funding story though is a little different. Chip is one of the most crowd-funded businesses in Europe, having raised over £50m from 29,000 investors, over 9 years. Crowdfunding is in our DNA and only Brewdog has more investors than Chip.
Our vision
We know planning for your future can be a tedious, daunting task often avoided, so we want to change that. We're building the wealth app for our community, giving them one place for saving and investing.
We're giving customers control and guidance to effortlessly build their long-term wealth using award-winning tech, while celebrating their achievements along the way.
Who we are
Chip has a creative and diverse team of 160, from all different backgrounds and industries. We're driven and passionate people, but no one takes themselves too seriously.
Don't just take our word for it. We have a few awards under our belt, including Best Personal Finance App at the 2022 & 2024 British Bank Awards.
Our Values
Be ACCOUNTABLE
Everything you do matters, Care about the end result, Challenge the norm, Disagree, yet commit to making it happen once a decision has been made, Do the best job possible
Be BOLD
Share our Ambition and do your bit to achieve it, Innovate: challenge the norm, break the mould and make it happen, Set goals that truly align with our mission, Do your best for our customers
Be COLLABORATIVE
Work cross-functionally - we win as a team, Build strong relationships based on trust, Treat others fairly and respectfully, Hold others to account, Be supportive and inclusive, Have fun together
Equal Opportunities
We are passionate and committed to our people and go beyond the rhetoric of diversity and inclusion. You will be working in an inclusive environment and be encouraged to bring your whole self to work. We will do all that we can to help you successfully balance your work and home life. As a growing business we will encourage you to develop your professional and personal aspirations, enjoy new experiences, and learn from the talented people you will be working with. It's talent that matters to us and we encourage applications from people irrespective of their gender, race, sexual orientation, religion, age, disability status or caring responsibilities.
Note to Agencies
Chip does not accept unsolicited CVs from recruiters or employment agencies in response to any of our live roles on our career page. Chip will not consider or agree to payment of any referral compensation or recruiter fee relating to these unsolicited CVs. Chip explicitly reserves the right to hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited CVs, including those submitted to hiring managers, are deemed to be the property of Chip.
Department Compliance Role Financial Crime Assurance Manager Locations Shoreditch Remote status Hybrid
- Ensure that Chip's financial crime framework, policies and procedures are effective and embedded to ensure compliance with all applicable legal and regulatory requirements as well as best practice across Chip's savings and investments products
- Proactively identify financial crime risks across all FinCrime risk areas to include Sanctions and Fraud risk.
- Develop and execute our Financial Crime compliance monitoring and testing plan, working with key stakeholders to identify and test key controls to evaluate compliance with Financial Crime rules and regulations
- Effectively create and communicate solutions to address control or process gaps, as well as tracking these through to completion
- Collaborate well with internal stakeholders, such as Financial Crime Operations, Compliance, Product and Customer Support teams to provide 2LoD assurance and advice to help strengthen Chip's approach to managing AML and Fraud risks across all business lines
- Adapt focus depending on the regulatory agenda, growth plans and compliance needs. Develop a strong understanding of Chip's current and future product offerings
- Build a strong relationship with Financial Crime Compliance counterparts in partner or vendor organisations such as ClearBank, Seccl, Onfido and any future key vendors
- Work with Data Teams to produce management information and high quality reports to senior management and the Board to provide a clear overview of Chip's financial crime position
- Act as Deputy MLRO, supporting the MLRO in signing off or submitting SARs and deputising for the MLRO when they are unavailable
- Take on line management of the Financial Crime Analyst and support with other financial crime compliance projects and tasks as directed by the MLRO
- Solid experience of 2LoD monitoring and testing within the financial services industry
- You'll have a proven background in AML & Fraud risk in a 2nd line capacity and enjoy working in a collaborative and team environment
- You will have a good understanding of FCA expectations and the regulatory compliance landscape for payments and investment firms in the UK
- You will work well within a team and be adept at handling competing priorities with excellent time management, communication and organisation skills
- Good analytical and problem solving skills, with the ability to present information in a clear and concise manner
- Building, managing and monitoring controls and MI reports, raising awareness and adherence across the business
- Strong report writing and people management skills
Someone with a genuine interest in Chip and is excited about being part of a fast-growing company and our mission to build the investment super app of the future.
Although we're in the financial space, and under the scrutiny that comes with it, the current compliance/risk team works well together, and even sometimes with a smile. We're sure you've got the technical skills, otherwise, you would have stopped reading by now, so let us be clear on what will make us want to work with you.
We want a real person, with interests outside of work, to join our team. You could be a dancer, a gamer, a musician, a parent, a hockey fan, or even that one person that still writes Twilight fan-fiction. Doesn't matter to us.
At the interview stages, we will be looking for empathy, eq, fun stories, and the ability to smile even when things are tough.
Working Hours
- Monday to Thursday: 9:00 AM - 6:00 PM
- Friday: 8:00 AM - 4:00 PM (Start your weekend early!)
PERKS
- £60,000 - £70,000 per annum
- Discretionary share option bonus
- Workplace pension scheme- We invest in your future with a workplace pension scheme, contributing 5% on earnings up to £50,000. Plan ahead with confidence while you grow your career!
- Private medical insurance (medical history disregarded)
- Employee Assistance Programme
- Cycle to work scheme
- Season ticket loan
- Free ChipX subscription for UK-based employees
- We are an equal-opportunity employer and value diversity
- Flexible working arrangements
- 28 days holiday (excluding public holidays)
- Annual training budget for courses, workshops, or conferences to help you advance your career.
- £30 per monthChip Fitness Benefit to suit your Mental/Physical Wellbeing
- Company laptop
- Opportunity to have a huge impact on our product while fast-tracking your knowledge, responsibility and skills in a high-growth fintech startup
- Video screen with someone from our Talent team
- Video interview with the hiring manager
- Final interview with
About us
Our mission is to make our customers wealthy.
We're building the wealth super app of the future. An app to build your long-term wealth across savings, investments and pensions.
We use technology to break down barriers so users can invest like the ultra-wealthy, giving them one simple place to manage, grow and protect their wealth.
The Sunday Times listed Chip as the 6th fastest growing tech company in Britain... and we're not slowing down. Chip serves over 300,000 active customers and looks after over £5billion in assets. These customers trust us to build the most amazing product we can, so working at Chip comes with real purpose.
Chip is being built by a fast-growing team of designers, developers, customer service professionals, marketers, banking experts, and entrepreneurs. Our funding story though is a little different. Chip is one of the most crowd-funded businesses in Europe, having raised over £50m from 29,000 investors, over 9 years. Crowdfunding is in our DNA and only Brewdog has more investors than Chip.
Our vision
We know planning for your future can be a tedious, daunting task often avoided, so we want to change that. We're building the wealth app for our community, giving them one place for saving and investing.
We're giving customers control and guidance to effortlessly build their long-term wealth using award-winning tech, while celebrating their achievements along the way.
Who we are
Chip has a creative and diverse team of 160, from all different backgrounds and industries. We're driven and passionate people, but no one takes themselves too seriously.
Don't just take our word for it. We have a few awards under our belt, including Best Personal Finance App at the 2022 & 2024 British Bank Awards.
Our Values
Be ACCOUNTABLE
Everything you do matters, Care about the end result, Challenge the norm, Disagree, yet commit to making it happen once a decision has been made, Do the best job possible
Be BOLD
Share our Ambition and do your bit to achieve it, Innovate: challenge the norm, break the mould and make it happen, Set goals that truly align with our mission, Do your best for our customers
Be COLLABORATIVE
Work cross-functionally - we win as a team, Build strong relationships based on trust, Treat others fairly and respectfully, Hold others to account, Be supportive and inclusive, Have fun together
Equal Opportunities
We are passionate and committed to our people and go beyond the rhetoric of diversity and inclusion. You will be working in an inclusive environment and be encouraged to bring your whole self to work. We will do all that we can to help you successfully balance your work and home life. As a growing business we will encourage you to develop your professional and personal aspirations, enjoy new experiences, and learn from the talented people you will be working with. It's talent that matters to us and we encourage applications from people irrespective of their gender, race, sexual orientation, religion, age, disability status or caring responsibilities.
Note to Agencies
Chip does not accept unsolicited CVs from recruiters or employment agencies in response to any of our live roles on our career page. Chip will not consider or agree to payment of any referral compensation or recruiter fee relating to these unsolicited CVs. Chip explicitly reserves the right to hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited CVs, including those submitted to hiring managers, are deemed to be the property of Chip.
Department Compliance Role Financial Crime Assurance Manager Locations Shoreditch Remote status Hybrid