Financial Crime Analyst

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself
• Small businesses keep the UK economy moving, and Playter exists to get them the finance they need when they need it. We use data and technology to give established UK SMEs fast, straightforward decisions on unsecured cashflow finance.
• As part of the Shawbrook Group, Playter pairs the pace of a fintech with the backing of a bank. That gives our team the freedom to take ownership and the scale to make a difference.
• You'll join Playter as our Financial Crime Analyst, owning day-to-day financial crime work and helping the business scale with the controls in place to protect it. You'll have ownership from day one and see the results of your work quickly.

Key Responsibilities

• Perform CDD and KYB on SME borrowers, including directors, shareholders and ultimate beneficial owners, across a range of risk levels and ownership structures.
• Complete customer risk assessments (CRA) at onboarding and on trigger events, assigning a risk rating that reflects ownership, sector, geography and activity.
• Handle escalations to Enhanced Due Diligence for higher-risk customers, including Politically Exposed Persons, high-risk sectors and high-risk jurisdictions, assessing source of funds and source of wealth and reaching a documented decision.
• Review and resolve sanctions, PEP and adverse media screening alerts.
• Conduct transaction monitoring across Playter's lending to protect the business against financial crime.
• Investigate suspected application fraud, including document tampering, director impersonation and broker-introduced fraud.
• Identify suspicious activity and raise internal SARs to the MLRO, completing all follow-up actions.
• Monitor and support ongoing due diligence and periodic reviews.
• Work closely with Underwriting, Sales and the broker team, and lead or support projects across financial crime and operations.
• Help develop new systems and controls that improve efficiency as volumes grow.
• Use approved AI tools to streamline your daily work and improve its quality.

Skills & Experience

Previous experience in a KYC, AML or fraud role within a lender, bank or other regulated financial services firm.

Hands-on experience of customer risk assessments and Enhanced Due Diligence.

Familiarity with the regulations that apply to UK banks, including the Money Laundering Regulations 2017, the Proceeds of Crime Act 2002, the Terrorism Act 2000, UK sanctions regimes administered by OFSI, JMLSG guidance, and the FCA's SYSC rules and Financial Crime Guide.

A solid grasp of AML and fraud typologies, with the analytical skills to identify red flags and make informed, reasonable decisions.

Clear written and verbal communication, with close attention to detail.

The organisation and self-motivation to manage several workflows and prioritise.

A proactive approach to taking on new responsibilities and suggesting improvements to how the team works.

A fast learner who wants to build a career in financial crime.

Education/Professional Qualifications

Shawbrook is committed to providing opportunities to all candidates, and understand that not all candidates may possess a qualification or education aligned to the role. We will assess each candidate on their individual experience and skills, and not solely on level of education.

Key attributes

• Previous experience in a KYC, AML or fraud role within a lender, bank or other regulated financial services firm.
• Hands-on experience of customer risk assessments and Enhanced Due Diligence.
• Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:
• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service
• Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.
• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving
• Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.
• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done