Anti-Financial Crime & Onboarding Manager - 6 Month FTC

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards.  Customers can conveniently access these services through the LHV App, enabling secure account opening and management. We are currently seeking an experienced Lending Manager to join our Relationship Management Team in London. The role will be to support the end-to end lending processes though the customer journey, from onboarding through to loan completion. Please note...This is a London based role that will require you to be in our office 2-3 days a week. Key Responsibilities * Manage the pipeline and diary, taking responsibility for ensuring the smoothest of customer journeys  and communicating effectively throughout * Supporting Lending Directors with the writing of credit reports (including detailed financial analysis) to develop appropriate solutions * Liaising with brokers regarding our customers, obtaining quotes and dealing with queries * Liaising with LHV’s solicitors, maintaining good working relationships and working collaboratively to deliver a good service for our customers * Supporting prospective customers with the LHV onboarding process. This will include capturing all the Know Your Business (KYB) and Know Your Customer (KYC) information. * Establishing a strong working relationship with the Credit team and other internal departments. * Monitor account portfolios, supporting the Lending Director in managing the overall credit risks and any irregular performance in line with the Credit Policy * Drive the lending pipeline in a timely and effective way, working collaboratively with the wider team * Retaining clients by dealing with day to day enquiries and maintaining a strong commercial approach to the portfolio * Developing and maintaining strong customer relationships, driving continuous improvement with a view to building long-lasting relationships * Ensure regulatory and risk adherence at all times, ensuring positive customer outcomes are at the forefront of how you operate * Develop & promote LHV’s reputation as an active, creative lender in the SME market  * Support the delivery of the strategic objectives including delivery of income, strong customer advocacy and risk metrics  Required Skills & Experience: * Proven relationship management /support experience within a Business / Commercial Bank environment. * Experience and knowledge within Anti-Financial Crime and Customer Due Diligence. * Experience of working with Brokers and other Intermediaries with access to SMEs. * Knowledge and experience of either Trading Business, Secured Lending or Real Estate Secured Lending * Some credit report writing skills and experience. * Commercial awareness, in relation to the external competitive market but also the requirements and flexibility required of working within an SME organisation. * Strong Microsoft skills – PowerPoint, Excel & Word * Excellent organisational skills and good attention to detail. * Strong administration skills. * Ability to manage own workload and work on own initiative * Excellent verbal and written communication skills. * Ability to maintain and develop good working relationships. * Able to work effectively as part of a team. Some of our benefits (only applicable to UK based roles not Internship programmes)  * Competitive salary &lots of opportunities to learn, grow and progress professionally. * Open and inclusive culture.   * Hybrid working. * Fantastic offices and great working environment. * Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)  * Health cash Plan (Medicash health plan Level 3) * 6% employer pension contribution. * Life assurance – 4 x salary. * Income protection insurance – 75%   * 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year. * Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.  * Enhanced family friendly and family forming policies. * Access to a wide range of retail discounts.  * Team Socials.

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here). Our journey: Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,600+ Qontoers serving over 600,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started. Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit. AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it. ------------------------------------------------------------------------------------------------------ Join the Spanish team of AML /CFT officers, to perform operational controls and ensure our client base is not exposed to Money-laundering or Terrorist Financing risks.   As a Junior AML/CFT Officer, you will work closely with Monica, our AML/CFT Team Lead, to ensure a healthy customer base and combat financial crime in an innovative, fast-paced fintech environment.   👩‍💻🧑‍💻As a Junior AML/CFT Officer for the Spanish Market at Qonto, you will:   • Identify and investigate suspicious activity/flows through automated and manual alerts. • Analyze financial documents and statements to identify any suspicious patterns. • Communicate with the customers and counterparts in order to obtain key information. • Support other teams such as Onboarding, Customer Service, and Banking Operations when there are suspicions regarding a customer. • Work in alignment with the Financial Security team, who is in charge of declaring the cases handled by AML.   🤔 What you can expect   • A great team of 40+ AML Officers from 🇫🇷,🇮🇹,🇪🇸,🇩🇪; • Responsibilities and decision-making; • Hyper-growth & international environment; • Exciting career opportunities; • Continuous improvement of alert processing systems and fraud detection methods.   🤝 Your Future Manager   Her Path: With over six years of dedicated experience in the financial sector, Mónica has become an expert in AML/CFT. Her career trajectory at Qonto began as a Customer Success Manager, where she sharpened her skills in customer satisfaction and operational excellence. Her progression to leading the Spanish & Portuguese AML/CFT team highlights her strategic vision and commitment to compliance. Her diverse background, including roles at Marsh & McLennan and legal training, equips her with a comprehensive perspective on risk management and compliance.   What she can bring to you: Mónica encourages autonomy, enabling her team to maintain high standards while fostering a collaborative environment. Her leadership style values clear communication and a structured approach, ensuring continuous learning and process improvement. Under her guidance, you'll find the support to grow professionally while contributing to safeguarding financial assets across international markets.   🏅About You   • Experience: You have up to 1 year of experience in the field (anti-money laundering, financial crime, etc.) • Problem-solving: You have been trained in problem-structuring and analysis in a consulting firm or bank for at least 6 months • Analytical mindset: You are comfortable with numbers and have a good command of Excel for day-to-day use • Organizational skills: You are extremely rigorous and curious with investigative abilities • Synthesis: You have a capacity for synthesis and know how to look at the big picture of your subjects • Languages: You are fluent in both Spanish and English.     At Qonto, we understand that true diversity isn't just about ticking boxes on a hiring checklist. Apply regardless of the boxes you tick! Who knows? You may have the missing piece of the puzzle we've been searching for all along!