Financial Crime Investigator (USA)

Join Lendable as they are looking for a Financial Crime Investigator (USA)

AML/Fraud Investigator

London, Fraud and Financial Crime Team

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 100 people

  • Among the top 10 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 (4.9/5 across 10,000s of reviews)

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 these are held by big banks with dated systems and painful processes.

Join us if you want to:

  • Work in small teams of exceptional people, trusted to take ownership and make decisions quickly

  • Be 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

About the role

We have (soft) launched a loans product in the USA and as part of that expansion we are recruiting for a fraud/AML investigator who has experience within the finance industry in the USA.

Within the role, you will be responsible for completing fraud and AML checks, investigations and reporting. You will also propose enhancements and improvements to current processes based on your experiences working within the USA.

This role will be based in the UK to support the U.S Expansion Team by performing onboarding checks, account reviews, law enforcement reports, fraud checks and Peps & Sanctions screening

There is an expectation that you will investigate referrals, optimise processes and provide expert knowledge in relation to onboarding investigations. There is also an expectation that you will support UK Financial Crime Team during the growth period of the US product.

This role is integral to the successful expansion of the US product.

You will be one of the first members of the Financial Crime Team.There is an opportunity for development and growth within the firm.

Your team’s objectives

The objective of the Fraud and Financial Crime Team is to build and enhance an effective framework to combat fraud and financial crime whilst balancing the needs of the firm’s customers.Whilst risk mitigation is a key objective for the team, there is a focus on data analysis and automation to deliver solutions in the most efficient and effective way.

The team has a close working relationship with the Operations Team and the US Expansion Team.Collaboration across all areas is essential in order to execute the first-line deployment of controls to the highest of standards.

How you’ll impact those objectives:

This role will play a significant part in the development of the Fraud and Financial Crime Team with core focus in working with the Operations Team in the following areas.

In this role, we would like you to

  • Have a minimum 3 years experience in a fraud/AML environment in financial services within the USA

  • Have experience investigating fraud and AML onboarding referrals in the USA

  • Be a problem solver

  • Be inquisitive and able to follow intuition to arrive at the right outcome of investigations

  • Have an analytical mindset in order to use data as a key resource within the role

  • Be able to communicate with customers to request additional information, evidence or to share the outcome of investigations as necessary

  • Have an ability to link and investigate fraudulent accounts and propose future mitigation and controls when root causes are established

  • Be a critical thinker - establish root cause and champion change

  • Work with other teams to share trends and understand how we can act collectively to identify fraud faster

  • Be a Team Player

  • Organise and manage workloads

First Line processes

  • Writing and reviewing suspicious activity reports (SAR’s),

  • Completing onboarding investigations including PEPs and Sanctions screening, customer due diligence and enhanced due diligence checks

  • Investigate AML and Fraud alerts

  • Law enforcement reports and requests for information

  • Identify opportunities to automate processes and improve current controls

  • Writing Fraud incident responses

  • Identify suitable risk-based investigations tools

  • Presenting findings in forums to senior 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 Head of Fraud and Financial Crime

  • Video Interview with the Financial Crime Operations Lead

Life at Lendable (also check out our Glassdoor page)

  • 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.

  • Our in-house chef prepares fresh, healthy lunch in the office every Tuesday-Thursday.

  • We’re growing and have moved a brand new office in Shoreditch, keeping our penthouse loft for festivities.

  • We organise an annual trip with the whole company, to celebrate our milestones and reflect on our achievements.

  • We're an equal opportunity employer and are looking to make Lendable the most inclusive and open workspace in London