Risk Operations Manager – On Boarding and In Life CDD in Bristol

At Ayvens, progress starts with you. Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.

We’re looking for a Risk Operations Manager to lead our onboarding and ongoing Customer Due Diligence (CDD) activity. This role ensures AML and KYC requirements are met across a complex customer portfolio, protecting the business from financial crime and regulatory risk while supporting a smooth customer journey.

You’ll manage the day‐to‐day operation of the CDD/KYC team, overseeing customer onboarding and ongoing monitoring. You’ll act as a subject‐matter expert for CDD and AML, handling escalations, improving processes, and ensuring decisions are compliant, well‐documented and timely. You’ll work closely with the MLRO, Risk Operations leadership and wider Risk and Compliance teams to keep policies, controls and working practices aligned with regulatory expectations.

The key responsibilities of the role are as follows:

• Lead and manage the CDD/KYC team, including performance, capability and development.
• Oversee end‐to‐end onboarding and in‐life CDD decisions, ensuring clear audit trails.
• Act as a key contact for AML escalations, working closely with the MLRO.
• Ensure all CDD and AML activity meets UK regulatory and internal policy requirements.
• Manage workloads to deliver agreed service levels and quality standards.
• Complete regular controls, quality checks and audits of CDD activity.
• Maintain up‐to‐date CDD/KYC policies, procedures and documentation.
• Recommend policy and process improvements to strengthen risk management.
• Drive “right first time” outcomes and continuous improvement.
• Support and deliver change initiatives to improve the end‐to‐end customer journey.
• Build strong relationships across credit, risk and relationship teams.

Skills & Experience:

• Proven experience leading teams within CDD, AML or risk operations.
• Strong communication skills, with confidence engaging senior stakeholders.
• Highly organised, able to plan, prioritise and deliver against service and quality targets.
• Comfortable working in a fast‐paced, regulated environment.
• Strong knowledge of UK AML, KYC and CDD requirements.
• Experience assessing risk, making sound decisions and escalating where appropriate.
• High attention to detail and confidence handling complex or high‐risk cases.
• Up‐to‐date understanding of regulatory expectations and industry trends.
• Background in financial services, with hands‐on experience in CDD, KYC or AML.
• Ability to interpret complex customer structures and data.
• Experience improving operational efficiency while maintaining compliance.

What we offer:

• Competitive pension scheme, Annual salary review and bonus scheme, EV company car, Give As You Earn (GAYE) scheme, Employee referral scheme (£1,000), Retail discounts programme, GymFlex membership options, Cycle to Work scheme.
• Private Medical Insurance, Life Assurance, Health assessment options, Travel insurance, Dental insurance, Critical illness cover, Personal accident insurance.
• 25 days’ annual leave + an additional Celebration Day, 37.5 hour week, Monday to Friday, no weekends, Holiday buy & sell scheme, Volunteer days, Time allocated for personal development, Study support (where applicable).
• Free parking, EV charging points, Bike storage & shower facilities, Complimentary breakfast, Staff and social events.

With over 3.4 million vehicles managed across more than 42 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.

At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.

Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed.