Overview
The Customer Due Diligence (CDD) Design SME will operate within the second line of defence, providing deep Financial Crime subject matter expertise across the end-to-end CDD lifecycle.
You will work across the end-to-end CDD lifecycle, spanning global businesses, systems, controls and processes, to design effective, risk-based CDD controls and enhance existing controls where required.
This is a strong opportunity to join a team shaping the future design of Financial Crime controls across the bank. You will work on complex, high-impact issues, partner with experienced stakeholders across Compliance, business, technology, data and change teams, and help deliver practical improvements to the Bank’s Financial Crime control environment.
Key Responsibilities
- Design effective, risk-based CDD controls and enhance existing controls where required.
- Translate regulatory expectations, policy requirements, risk principles and control objectives into clear, practical and implementable design solutions.
- Support sustainable delivery and drive measurable Financial Crime risk reduction.
- Collaborate with stakeholders across Compliance, business, technology, data and change teams.
- Provide data‑led expert oversight and check and challenge on business and compliance matters to evidence that the organisation is operating in compliance with legal, regulatory and ethical responsibilities.
- Identify and assess compliance risks through thorough reviews of business activities, changes, processes, testing and systems.
- Identify and investigate potential market abuse, including but not limited to insider dealing, unlawful disclosure, market manipulation or anti‑competitive conduct.
- Conduct investigation of compliance risk events or breaches, oversee corrective actions and preventative measures to avoid future occurrences.
- Implement compliance policies and procedures in line with regulatory requirements, ensuring that the bank’s internal policies are aligned with international standards, including jurisdictional requirements.
- Collaborate with 1LOD, other relevant Compliance teams, legal and risk management functions.
- Identify, investigate and oversee potential money laundering, terrorist financing or other financial crime.
Qualifications
- Regulatory and Risk Expertise: Advanced expertise in UK and international AML/Financial Crime regulatory requirements, regulatory expectations, industry guidance and emerging risk typologies.
- CDD Control Design Expertise: Proven ability to design, optimise and govern CDD controls, embedding compliance‑by‑design principles.
- End‑to‑End CDD SME Expertise: Deep practical expertise across the entire CDD lifecycle, including Customer Risk Assessment, Identification & Verification, CDD/KYC, Enhanced Due Diligence and Ongoing Due Diligence.
- Requirements and Target State Design Expertise: Ability to define, review and challenge business, risk and control requirements, ensuring clear traceability from regulatory expectations to control outcomes.
- CDD System Knowledge: Strong understanding of CDD systems, data flows, workflows and technology architecture.
- Broader Financial Crime exposure, including sanctions, anti‑bribery and corruption, anti‑tax evasion and other financial crime risk areas.
- Effective communication and stakeholder management skills.
Location
This role will be based out of our London or Glasgow office.
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