We're a fast-growing FCA-regulated consumer credit company. We have members, not customers and we take a lot of pride in that!
As one of the UK’s only subscription finance company in the market, we truly have a unique value proposition. Our mission is very clear; to improve the financial stability and resilience of our members. We do this through the products we provide, the partnerships we have, and our educational content. We want our members, and everyone in the UK to be able to better manage their finances and steer them away from high-cost, unregulated credit options.
About the role
The aim of this role is to lead and strengthen Creditspring’s financial crime framework by managing day‑to‑day fraud, AML, sanctions and investigation activity, maintaining effective controls and policies, supporting the MLRO, and providing oversight, insight and stakeholder engagement to protect the business from financial crime risk.
The role is in the Compliance function at Creditspring and reports to the Head of Compliance and the MLRO.
Responsibilities
- Lead fraud and financial crime team, including CDD, AML and sanctions screening, reviewing internal suspicious activity reports, fraud investigations, and engaging with law enforcement and other government bodies.
- Keep policies, procedures and risk assessments up to date in line with regulatory requirements and business changes.
- Take a hands‑on role in the investigation and resolution of complex fraud and financial crime matters.
- Support financial crime training and awareness to relevant staff and promote a strong compliance culture.
- Support the Head of Compliance/MLRO in maintaining the firm’s AML, CTF, sanctions, anti‑bribery and fraud control framework.
- Perform quality assurance and oversight of investigations, onboarding checks, alerts and case handling.
- Provide management information and reporting to the MLRO and relevant governance forums on incidents, trends, breaches and control effectiveness.
- Carry out root‑cause analysis and provide insight to internal departments to support improvement of processes or amendment of policy rules.
- Liaise with external stakeholders such as law enforcement, government departments and third parties where appropriate.
- Assist with Suspicious Activity Report preparation and submission where required.
- Act as a deputy or delegate for the MLRO on relevant operational matters where appropriate.
- Carry out ad‑hoc tasks as agreed with line or senior management.
What you’ll need to succeed
Essential:
- Minimum of 5 years’ experience across compliance, financial crime and AML in financial services.
- Strong knowledge of UK fraud and financial crime laws and regulations.
- Proven experience in managing a financial crime team.
- Excellent stakeholder management and communication skills.
Desirable:
- Experience in consumer lending.
- Relevant professional certifications (e.g., ICA, ACAMS or similar).
We are an equal opportunities employer. If your experience doesn’t perfectly match, but the role excites you, we’d love for you to apply. We’re committed to an inclusive environment where employees feel welcomed, valued, and heard.
Contact: people@creditspring.co. Unsolicited emails to other team members will not be actioned.
Financial Crime Manager employer: Creditspring
At Creditspring, we pride ourselves on being a member-focused organisation that prioritises financial stability and resilience. Our vibrant work culture fosters innovation and collaboration, providing employees with ample opportunities for professional growth and development in the fast-evolving fintech landscape. With our commitment to inclusivity and support for diverse talent, we ensure that every team member feels valued and empowered to make a meaningful impact on our members' financial wellbeing.
