Financial Crime Analyst

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 a Senior Anti-Financial Crime & Onboarding Analyst, to support both our Anti-Financial Crime (AFC) efforts and client onboarding. This is primarily an office-based role, requiring a minimum of two days per week in either the Manchester or London office. Additional travel to these offices may occasionally be required. About the job The Senior AFC and Onboarding Analyst supports the delivery of effective first line financial crime controls and client onboarding activities within SME Lending. The role is responsible for assisting with KYC, EDD, sanctions screening, onboarding including quality assurance, and ongoing process improvements to support the continued growth of the franchise while maintaining strong control standards. Reporting to the Anti-Financial Crime & Onboarding Manager the role will work closely with Head of SME Product, Risk and Financial Crime, Lending Managers, Operations, and Compliance, to ensure onboarding is completed efficiently, consistently, and in line with internal policies and regulatory expectations. In this role, you will play a pivotal part in the frontline defence against financial crime, serving as a subject matter expert and point of reference for team members. You’ll be responsible for assisting with and overseeing the quality and accuracy of due diligence performed by the frontline team, ensuring high standards are consistently met. You’ll work in close partnership with internal stakeholders and external partners to strengthen and evolve our AML and KYC processes, and assist the AFC and Onboarding Manager in providing regular updates via preparation of MI on financial crime risk. If you’re a KYC professional seeking an opportunity to shape policies and procedures, support team development, and share your expertise across the wider function we’d be excited to hear from you. Key Responsibilities * As a 1st Line Anti-Financial Crime & Onboarding Analyst you will be responsible for supporting customer due diligence (CDD), enhanced due diligence (EDD), and transaction monitoring activities to ensure the Bank's compliance with anti-money laundering (AML) and Know Your Customer (KYC) regulations. You’ll play a critical role in identifying and mitigating financial crime risk at the frontline of customer interaction. * Supporting AML/KYC reviews on new and existing customers in line with internal policies and regulatory requirements. * Review and assess the suitability of customer documentation including corporate structures, identification documents, source of funds/source of wealth evidence and lending-related information. * Utilise internal onboarding and monitoring systems, together with third-party screening tools to conduct and assess sanctions, PEP, adverse media and background checks. * Manage and monitor investigations of alerts from monitoring systems conducted by the frontline, escalating suspicious activity as appropriate. * Liaise with internal teams to obtain missing information or resolve KYC issues. * Contribute to the overall continuous improvement and development of the AML/KYC Operations by supporting the implementation of internal controls, process improvements and documentation updates. * Assist in the preparation of internal reports and MI relating to Financial Crime and AML. * Stay current on AML/CTF legislation, typologies, and regulatory expectations. * Provide guidance and day-to-day support to frontline colleagues on AML/KYC requirements and onboarding best practice. Required Skills * Previous demonstrable experience in a KYC, AML, or compliance role within a financial institution (preferably with experience in Commercial/SME Lending). * Working knowledge of the UK regulatory environment, including the Money Laundering Regulations, JMLSG Guidance, and FCA Handbook. * Familiarity with screening and case management tools e.g. LexisNexis, ComplyAdvantage, RiskNarrative, Dow Jones. * Team player with a proactive attitude and ethical mindset. * Ability to work under pressure and manage workload in line with SLAs. * Strong communication skills including the ability to forge new connections with existing stakeholders and escalate risks diligently in line with agreed processes. * Keen eye for detail and problem solving with an investigative mind and the desire to find solutions to problems independently and quickly using a risk-based rationale in line with relevant legislation.   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.

Are you an FP&A professional who thrives on both the rigour of financial planning and the commercial complexity of go-to-market strategy? Are you looking for a role where you’ll build sophisticated models, work across the full business cycle, and partner with leaders who expect finance to help them think - not just report? The Impact You Will Have: As FP&A Associate at Elliptic, you will bring broad FP&A capability to a high-growth, data-rich environment. You will own core planning and forecasting processes while developing deep expertise in GTM finance - working with complex driver-based models, commercial KPIs, and cross-functional business cases. Your work will inform how Elliptic allocates resources, evaluates opportunities, and tracks performance across the business. What you will do: Day-to-day responsibilities: * Build and maintain, driver-based financial models covering revenue, GTM performance, and scenario analysis * Partner with the the Commercial Org. and Insights team to track KPIs, surface insights, and support decision-making * Own ARR, bookings and churn reporting, ensuring accuracy and consistency across systems * Develop and present business cases to support investment decisions, headcount requests, and new market opportunities * Support business reviews with structured data-driven commentary and variance analysis * Assist in the annual planning and reforecast cycles Longer-term projects: * Lead the design of scalable forecasting frameworks as Elliptic grows into new markets and segments * Drive GTM efficiency modelling to assess ROI across channels, geographies and customer segments * Partner with Data and Rev Ops to improve financial data infrastructure and reporting quality What You Will Achieve in Your First 6 Months: * Enhance and own the driver-based forecast model, running an 18-month forecast with the GTM organisation * Build exec-level reporting to provide transparency on ARR performance and its key drivers * Drive meaningful resource allocation decisions through financial and operational analysis * Deliver automation and efficiency improvements to the planning and reporting cycle You will be a great fit here if you: * Have strong FP&A foundations and genuine interest in applying them in a fast-paced, commercial environment * Enjoy working with complex data and are energised by structuring ambiguous problems into clear analytical frameworks * Are a self-starter who proactively identifies gaps and brings well-reasoned solutions * Build credibility quickly with non-finance stakeholders and enjoy being a genuine thought partner * Have intellectual curiosity about crypto, digital assets or financial crime compliance Our ideal candidate has: * Solid FP&A experience, ideally in a fast-growth technology business, with exposure to both corporate planning and commercial finance * Experience building and maintaining complex, driver-based financial models in Google Sheets or Excel - you understand how to structure a model, not just populate one * The ability to work with GTM KPIs and translate them into financial insight * Strong analytical and problem-solving skills: able to segment a complex problem logically, and work through it efficiently * Confidence working with large and complex datasets * Proven ability to improve and scale FP&A processes, tooling and reporting infrastructure * Strong written and verbal communication: able to present clearly to senior stakeholders and simplify complexity without losing substance * AI fluency is essential - candidates must demonstrate effective use of AI tools to accelerate analysis, automate reporting, and generate insight Bonus Points for: * Exposure to crypto, fintech or regtech industries * Experience in B2B SaaS and / or a background in consulting * Experience with FP&A planning tools * Familiarity with RevOps workflows and CRM data structures (e.g. HubSpot) * Experience contributing to or owning a go-to-market planning process JOB BENEFITS > How we work: * Hybrid working and the option to work from almost anywhere for up to 90 days per year * £500 Remote working budget to set up your home office space > Learning & Development: * $1,000 Learning & Development budget to use on anything (agreed with your manager) that contributes to your growth and development > Vacation/ Leave: * Holidays: 25 days of annual leave + bank holidays * An extra day for your birthday * Enhanced parental leave: we provide eligible employees, regardless of gender or whether they become a parent by birth or adoption, 16 weeks fully-paid leave and leave. > Benefits: * Private Health Insurance - we use Vitality! * Full access to Spill Mental Health Support * Life Assurance: we hope you will never need this - but our cover is for 4 times your salary to your beneficiaries * Cycle to Work Scheme