Financial Crime Risk Manager in Gillingham

The Financial Crime Risk Team sits within our wider Financial Crime Team and acts as our Second Line of Defence. The team provides independent oversight of financial crime risk across the Group, helping us understand and manage risks relating to Anti-Money Laundering (AML), sanctions, fraud and other areas of financial crime. Working collaboratively with colleagues across the business, the team plays an important role in making sure we have effective controls in place to protect our customers and the Group.

As a Financial Crime Risk Manager, you’ll play an important role within our Second Line Financial Crime function, helping us understand and manage our financial crime risk profile and strengthen our controls. You’ll work with colleagues across the Group to provide guidance, constructive challenge and oversight, helping us manage the risks associated with fraud and financial crime while keeping our customers at the heart of our decisions. The role reports to the Group Deputy Money Laundering Reporting Officer (DMLRO) and may involve occasional travel to our UK offices.

Your responsibilities will include:

• Supporting the DMLRO and MLRO to review, develop and strengthen our financial crime and fraud systems, controls and monitoring, ensuring they remain aligned with our policies and risk appetite.
• Using your Second Line Financial Crime experience to provide constructive challenge, advice and guidance, working collaboratively with First Line teams to strengthen controls and support the delivery of our Financial Crime Risk Management Framework.
• Keeping up to date with regulatory and industry developments through horizon scanning, gap analysis and industry engagement, sharing relevant updates and recommending improvements to senior stakeholders.
• Providing oversight and assurance through Second Line Quality Assurance checks, third-party governance reviews and financial crime reporting, identifying potential gaps and recommending proportionate actions to manage risk.
• Representing Financial Crime across the business, contributing to projects, change initiatives and reviews, while building positive relationships and providing guidance on AML, fraud and wider financial crime matters.
• Promoting effective risk, compliance and data governance, supporting Financial Crime and Fraud Operations where needed, sharing emerging trends with stakeholders and keeping our customers at the heart of decision-making.

We offer a base salary of £50,000 - £60,000, depending on experience, alongside a competitive benefits package which includes:

• Annual discretionary bonus opportunity
• 30 days annual leave
• Choose to contribute 3% or 5% pension, with employer contributions of 6% or 8% respectively
• Enhanced family-focused benefits
• Hybrid-working (3 days in office)

At OSB Group, we understand how much our people bring to our organisation, which is why we try our best to give back too! Our Purpose is to help our customers, colleagues and communities prosper and we are on a transformation journey to become ‘the bank of the future’. Our commitment to professional development, flexible working, and employee well-being fosters a dynamic and supportive workplace.

We’re looking for someone who can bring relevant Financial Crime experience and knowledge to the role. You don’t need to tick every box, and we encourage you to apply if your experience is closely aligned with what we’re looking for:

• Previous experience within a Second Line Financial Crime function, ideally covering governance, risk and control assessments, MI and data analytics, and enhancements to financial crime frameworks.
• A good understanding of financial crime regulations and regulatory expectations, with the ability to interpret relevant legislation and guidance and apply this practically to business processes, systems and controls.
• Strong analytical, investigative and decision-making skills, with experience identifying and managing financial crime and fraud risks.
• Experience within retail savings, asset finance and/or mortgages would be beneficial.
• The ability to build positive working relationships and communicate effectively with a range of stakeholders, alongside experience delivering financial crime priorities.
• You’ll also need a good working knowledge of Microsoft Word, Excel and PowerPoint.
• Experience of change programmes would be beneficial, but isn’t essential.

If this sounds like you, please apply now! For internal applications please visit the internal careers page to apply. We are proud to be a Disability Confident employer and are committed to creating an inclusive and accessible workplace where everyone can thrive. We welcome applications from people of all backgrounds and encourage candidates with disabilities and long-term health conditions to apply.

Diversity, Equity & Inclusion: Our team value spending time together in the office, typically 3 days a week to support collaboration and connection with colleagues, but we’re happy to have a conversation about what flexibility might look like for you. We champion diversity at all levels, with Board-level Diversity Champions tracking our progress.