Financial Crime Screening Analyst

WHAT WE DO? UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 20 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub. We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center. Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals. We are looking for a Financial Crime Prevention Analyst to join us at this pivotal moment, share our vision, and help shape the future of European banking. WHAT YOU WILL BE DOING? * Operate Anti-Money Laundering / Anti-Fraud systems and tools, processing and analysing relevant data * Analysing the cases in Know Your Customer, performing the Customer Due Diligence (CDD) on retail and business customers in accordance with regulatory and internal guidelines * Analysing the high risk onboarding processes, behavioral patterns, indicators of fraud, adverse media and sanction screening to prevent money laundering, terrorist financing and fraudulent account openings * Contributes to the development and implementation of Financial Crime prevention processes, tools, procedures * Support the Financial Crime Prevention team in resolving issues and finding effective and efficient solutions to Anti-Money Laundering / Anti-Fraud risks * Follow up the latest legal changes and ensure the control frameworks and procedures are in line with the current legal requirements SKILLS YOU SHOULD HAVE * 3 years of experience in Anti-Money Laundering / Anti-Fraud processes * Strong technical financial crime prevention knowledge, skills and experience, Up-to-date knowledge on industry trends and you can implement best industry practice to maintain the company’s competitive advantage * Understanding of market place Financial Crime prevention issues, systems, data mining / analytical tools, and KYC automated solutions * Demonstrated ability to plan, implement, monitor and review the protective and preventive measures required to minimise risk of breaching Anti-Money Laundering / Anti-Fraud regulations * A university degree, preferably from finance/banking/economy or law/administration sector * English min level - B2 , Polish - C2  * Organised and task-oriented approach, ability to plan and execute in short- and long-term * An approach of "Leading by example" - you appreciate the importance of your role in providing guidance to others * Well-developed problem solving and analytical ability to determine root causes and identify appropriate corrective actions and plans * Comprehensive understanding of money laundering schemes and their symptoms * Ability to work outside of typical business hours as work on shifts apply (our service is open for 8hrs shift per day mostly on Mon-Fri, possible weekend shifts agreed in advance) WHAT WE OFFER You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.  Unless limited by banking regulations we offer a flexible form of contract. You will be provided an Individual Development Budget, dedicated to enhancing your professional skills. If your role permits, we also offer flexible work location: home/office —  according to your preference.  You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package.  We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support.  We co-sponsor your Multisport card and cover 50% of its cost.  You will work on computer equipment that delivers the best user experience — Apple MacBook.  Our office in Warsaw offers healthy snacks throughout the day.  OUR PROCESS We keep our recruiting process simple.  Step 1: Talk with one of our Recruiters about your to date experiences and ambitions Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment OUR NOTE TO YOU We are an equal opportunity employer. We stand together in nurturing a workplace that welcomes diverse thinking and inclusive behaviors. By embracing diversity of thought and making all voices heard regardless of background, we drive innovation, sustainable growth, and new business opportunities. This inclusive approach enhances our work climate, directly boosting our people's productivity, well-being, and engagement. Our Values - Integrity, Ownership, Caring - are more than just words. They are actions. Mandates. Pledges. When we all commit to these shared Values, we will deliver for our clients. And delivering for our clients - in any way, large or small - is how we fulfil our Purpose. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table. We appreciate your time and application. Please note that we reserve the right to contact selected candidates. Good luck!

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. 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 700 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 Reporting to the Financial Crime Risk Assurance Lead within the Risk Team, you will play a critical role in providing independent oversight of the investigations conducted by the Financial Crime Operations Team. You will identify any trends or emerging concerns found within the quality assessments you complete, clearly articulating and presenting your findings. This role requires an ability to learn quickly and to adapt to a fast-paced environment where financial crime risks are constantly evolving. This role can be based out of our Chatham or London office. Your team’s objectives * The objective of the second line 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 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. Our positive relationship with the first line Financial Crime Team is of the utmost importance for the culture of our function. What you’ll be doing * Monitoring the first line Financial Crime Team’s performance, providing clear and detailed feedback in an easily digestible and actionable way * Reviewing cases from a range of different workstreams such as; PEPs & Sanctions screening, Transaction Monitoring, Suspicious Activity Reports (SARs) and Ongoing Monitoring of High-Risk customers * Identifying, analysing, and documenting issues and highlighting possible resolutions * Taking ownership of your workload and ensuring that reviews are performed in a timely manner to provide valuable feedback before any further errors are made * Assist in maintaining and enhancing Financial Crime QA procedures, ensuring continuous quality improvement and alignment with regulatory standards * Conduct control testing on third party tools such as AI solutions to ensure they are working within intent of the firm * Presenting data in a consumable format to colleagues of all levels.   What we’re looking for * 2+ years of experience in a Financial Crime role (preferably in financial services/fintech) * Previous QA experience is desirable but not essential * You are able to work well as part of a team; decisive, goal-oriented, proactive * You have experience in task/process-based evaluation * You are organised and with exceptional attention to detail * Compliance experience ensuring company policies & procedures adhere to regulatory frameworks, e.g. FCA guidelines, JMLSG, Money Laundering Regulations (desired but not essential). Interview process * Screening stage: * 15 minute remote cognitive exercise * 30 minute Interview with the Talent Partner * A short exercise to complete at home with a 3 day deadline * Final remote interview * 45 minute: discuss the exercise you completed with the Hiring Manager * 15 minute: with a key stakeholder LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!