About this role
Role Overview
- Own the end-to-end Compliance and Financial Crime Framework for Kriya’s digital lending products, including Embedded PayLater and Invoice Finance.
- Implement, adapt and operationalise the Bank’s group compliance, AML, sanctions and financial crime policies, ensuring they are applied consistently and proportionately within the product suite.
- Identify where product-specific controls, procedures or interpretations are required and manage these in line with bank governance and approval processes.
- Act as financial crime manager for Kriya, with responsibility for AML/CTF compliance under the MLRs, including oversight of SAR decision-making, escalation and reporting.
- Ensure customer due diligence (CDD/KYC), sanctions screening, PEP identification and transaction monitoring are fully aligned to bank standards, risk appetite statements and escalation thresholds.
- Maintain strong oversight of outsourced or technology-enabled financial crime controls where applicable.
- Serve as the primary compliance and financial crime advisor to the product, engineering and commercial teams.
- Provide clear, pragmatic guidance on how bank policies apply to new products, features, customer segments and distribution models.
- Support product launches and change initiatives through compliance risk assessments, approvals and documented sign-off.
- Own product-level compliance risk assessments, control mapping and issue management, ensuring consistency with group risk frameworks.
- Run the compliance monitoring programme for the product suite, ensuring findings are tracked, remediated and reported in line with bank standards.
- Ensure all compliance documentation, MI and controls are audit-ready and defensible to internal audit, external audit and regulators.
- Act as a key interface between Kriya and the bank’s central Compliance, Risk and Financial Crime teams.
- Manage regulatory interactions relevant to AML supervision, including FCA correspondence, audits or thematic reviews, in coordination with the bank.
- Contribute to group-wide financial crime and compliance initiatives where product expertise is required.
- Embed a strong compliance and financial crime culture within the product division through training, guidance and proactive engagement.
- Build scalable compliance processes that grow with the business while remaining firmly anchored to bank policy.
Requirements
- 5+ years of hands-on experience in a compliance role within fintech or digital lending
- Proven experience in building or significantly enhancing compliance frameworks for specific products, not just maintaining group-wide policies
- Deep, practical knowledge of the UK regulatory landscape
- Exceptional analytical and problem-solving skills, with the ability to translate regulatory text into actionable business requirements for tech and product teams
- A confident and influential communicator, able to engage and advise stakeholders at all levels, from engineers to the board
- High integrity, strong organisational skills, and an unwavering attention to detail
Benefits
- Full onboarding support and continued development opportunities
- Options for flexible working
- Regular social activities
- Pension contributions
- Discretionary bonus scheme
- Private health cover
- Life assurance
- Family friendly policies including enhanced Maternity & Paternity leave