Financial Crime - Ongoing Due Diligence Investigator

This role sits within Financial Crime Operations and plays a key role in ensuring customer relationships remain aligned to regulatory expectations and our risk appetite. As an Ongoing Due Diligence Investigator, you'll be responsible for reviewing high-risk customer accounts, assessing ongoing suitability, and making clear, evidence-based relationship decisions. You'll contribute to identifying financial crime trends and risks, supporting consistency and quality across Financial Crime Operations.,

• Complete customer relationship reviews for high and very high-risk customers
• Analyse account activity and make recommendations in line with policy
• Ensure decisions comply with regulatory and Economic Crime Prevention policy requirements
• Identify and raise potential financial crime risks
• Assess cases to ensure decisions are clear, defensible and well-evidenced
• Contribute to identifying emerging financial crime risks and trends
• Manage workload effectively and prioritise activity
• Deliver against quality and productivity targets
• Communicate clearly with business partners and collaborators through written outputs
• Support continuous improvement and team collaboration, Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we're committed to creating an environment in which everyone can thrive, learn and develop.
  
  Experience in Financial Crime (AML, KYC, ODD or Transaction Monitoring)
• Good understanding of Economic Crime Policy and regulatory requirements
• Strong attention to detail and ability to assess complex information
• Analytical approach with the ability to identify risks
• Ability to make sound, risk-based decisions
• Strong communication skills
• Ability to prioritise workload and deliver at pace
Desirable:
• Experience in customer relationship reviews or ongoing due diligence
• Experience with high-risk customers or enhanced due diligence
• Exposure to identifying and reporting financial crime risks
  
  If you think all banks are the same, you'd be wrong. We're an innovative, fast-changing business that's shaping finance as a force for good. A bank that's empowering its people to innovate, explore possibilities and grow with purpose., At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person. We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability ,long-term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need. We also offer a wide-ranging benefits package, which includes…
• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Flexible benefits you can adapt to your lifestyle
• 24 days' holiday, plus bank holidays
• A range of wellbeing initiatives and generous parental leave policies