Financial Crime Risk Manager

About Lendable

Lendable is on a mission to make consumer finance amazing: faster, cheaper, and friendlier. 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 500 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

1. 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
2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

About the role:

The Risk and Compliance Team is seeking a Financial Crime Risk Manager with a strong understanding of technical, regulatory, and risk management concepts relating to financial crime.

• This role is responsible for identifying, assessing, and mitigating financial crime risks within the organisation, ensuring compliance with regulatory requirements, and developing strategies to prevent and detect financial crimes such as money laundering, fraud, and terrorist financing. The ideal candidate will have experience in risk management, financial crime prevention, and regulatory compliance.
• This role is crucial to the effective integration and implementation of the firm's financial crime framework. You will collaborate with key stakeholders across the business to develop products, initiatives and implement changes that are both aligned with business growth and fully compliant with financial crime regulations and guidelines.
• You will play a key role within the Financial Crime Function, with ample opportunities for professional development and growth within the organisation.

Your team's objectives

• The objective of the Financial Crime Function is to provide independent oversight, guidance, and challenge to ensure that the firm effectively manages financial crime risks, such as money laundering, fraud, and terrorist financing. Its primary role is to ensure that appropriate risk management processes are in place and functioning as intended, while also ensuring compliance with relevant regulations.
• The team maintains strong working relationships across almost all areas of the firm and collaborates effectively to achieve its goals.

What you'll be doing/impact on objectives

• Develop and implement policies and procedures to prevent financial crime.
• Ensure compliance with all relevant regulatory requirements and industry standards and stay informed on changes in financial crime regulations and best practices.
• Collaborate with internal teams to identify and mitigate financial crime risks.
• Provide training and guidance to staff on financial crime prevention and compliance measures.
• Serve as the primary subject matter expert in sanctions, AML, and CTF and act as the key escalation point for complex financial crime cases, providing expertise and resolution strategies.
• Lead the enhancement of sanctions, AML, and CTF processes, frameworks, and investigative standards and continuously evaluate, automate, and improve systems and processes related to sanctions, AML, and CTF
• Prepare and present Management Information (MI) reports, highlighting key trends, performance metrics, and risk insights for senior management, relevant stakeholders, or external parties where required.

What we're looking for

• A minimum of 4 years of experience in a financial crime environment within the financial services industry.
• In-depth knowledge of Sanctions, Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations. (Qualifications would be beneficial)
• Strong written and verbal communication skills, with the ability to present complex information clearly to both internal and external stakeholders.
• Excellent analytical and problem-solving capabilities.
• Awareness of broader financial crime risks, including anti-bribery and corruption, and preferably fraud
• An ability to analyse complex financial crime data, identify emerging trends, and lead strategic initiatives to enhance detection and prevention efforts.
• An analytical mindset, with the ability to leverage data as a key resource in decision-making and risk management.

The interview process

We're not a corporation so we try our best to get things moving as quickly as possible. For this role we'd expect:

• A quick phone call with one of the team
• Video Interview with the Director of Enterprise Risk and another key stakeholder within the business
• Video Interview with the Head of Compliance and/or The Chief Risk Officer

Life at Lendable

• The opportunity to scale up one of the world's most successful fintech companies.
• Best-in-class compensation, including equity.
• You can work from home every Monday and Friday if you wish - on the other days, we all come together IRL to be together, build and exchange ideas.
• Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.
• We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance
• We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London

Check out our blog!