At a Glance
- Tasks: Ensure a smooth onboarding experience for new customers while managing risk and compliance.
- Company: Join Starling, a leading digital bank focused on fairness and innovation.
- Benefits: Enjoy competitive salary, private medical insurance, and generous holiday allowances.
- Other info: Flexible hybrid working and a culture that values diversity and inclusion.
- Why this job: Make a real impact in the banking industry while developing your skills.
- Qualifications: No mandatory certifications needed; training provided, but KYC/KYB knowledge is a plus.
The predicted salary is between 30000 - 40000 € per year.
Location: Cardiff
Reporting to: Onboarding Team Leader
Closing date: Friday 22nd June at 5pm.
About Starling
At Starling, we are on a mission to provide people with a fairer, smarter, and more human alternative to traditional banks. We are building a leading digital bank, driven by fast technology, fair service, and honest values. Our vision is to create a banking industry that serves everyone, which we accomplish by developing best-in-class proprietary technology, offering an exceptional customer experience, and establishing a strong, sustainable business. Our five core values – Listen, Keep It Simple, Do The Right Thing, Own It, and Aim for Greatness – are at the heart of everything we do, guiding our strategy and shaping our culture. We’re a branchless, largely paperless bank, committed to responsible banking, sustainability, and fostering an inclusive environment where everyone can thrive.
Working Hours: You will work a 37.5 hour week, Monday - Sunday between the hours of 7am - 8pm.
Hybrid working: All Starling colleagues spend a minimum of 10 days per month in the office with flexibility to work the rest from home. The first 6 weeks will be spent full time in the office.
The Opportunity
Onboarding Analysts play a critical role in ensuring a seamless and secure experience for new personal and business customers by conducting thorough due diligence to protect the bank. Using a risk-based approach, they verify IDs, customer data, and corporate documentation to manage low and medium risk flags during onboarding. They ensure every account is safe and compliant before it goes live, while actively escalating high-risk concerns through the appropriate channels. The Onboarding Analyst operates as Starling Bank’s first line of defence, balancing rigorous regulatory compliance with a seamless, customer‑centric onboarding journey. The role holds direct accountability for protecting the bank from financial crime by executing risk‑based due diligence on personal and business applications. The Analyst conducts holistic reviews to manage low‑to‑medium risk flags for both personal and business customers before account activation.
Key Responsibilities
- Case Management: Process a large, varied volume of low‑to‑medium risk applications efficiently while capturing all necessary verification evidence.
- Customer Journey: Guide personal and business applicants through onboarding, minimising customer effort during document resubmissions via telephone, email, and in‑app messaging.
- Risk Escalation: Proactively identify and escalate high‑risk concerns, complex cases, and emerging financial crime trends through the correct channels to relevant teams such as AFT, ORE and leadership.
- Adaptability: Maintain an agile mindset to navigate process changes quickly, making balanced decisions that benefit both the customer and the bank.
Skills & Experience
- KYC/KYB Process Knowledge: A strong background in Know Your Customer (KYC) and Know Your Business (KYB) verification processes.
- Corporate Structures: A clear understanding of UK business entities (such as Limited Companies, LLPs, and Sole Traders).
- Qualifications & Certifications: No mandatory certifications are required, as full training is provided. However, an industry certification (such as from the International Compliance Association (ICA) or ACAMS) is highly desirable.
Behaviours & Competencies
- Customer & Risk Focus: The ability to balance a customer‑centric onboarding approach with the bank’s risk appetite, ensuring a smooth yet safe journey.
- Decision-Making: Comfortable working in a fast‑paced environment and capable of making clear, decisive risk judgments.
- Attention to Detail: An investigative, curious, and analytical nature with a great eye for detail when reviewing documentation.
- Operational Efficiency: Able to manage high volumes of applications efficiently while remaining highly vigilant to potential risks.
- Key Skills: Strong practical capabilities in administration, case investigation, clear communication, and workflow management.
Why Join Starling?
- Make an Impact: Work on projects that directly shape the future of banking and improve the financial lives of our customers. Starling is technology‑led, and you’ll have the freedom to accomplish your goals in innovative ways.
- Culture of Excellence: Be part of a collaborative, empowered, and forward‑thinking team. We encourage experimentation, ownership, and a relentless focus on "doing the right thing."
- Growth and Development: We are committed to your professional growth, offering opportunities to learn new technologies, take on new challenges, and own interesting things from day one.
- A Bank That Cares: We’re a Living Wage employer, committed to flexible working, and dedicated to creating a fair, open, and safe working environment with compassion and inclusion at its core.
- Comprehensive Benefits: We offer a competitive salary and a comprehensive benefits package, including:
- Company‑enhanced salary sacrifice pension scheme (7% employer contribution)
- Private Medical Insurance with Vitality including mental health support and cancer care.
- Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton.
- 25 days holiday (plus take your public holiday allowance whenever works best for you)
- An extra day’s holiday for your birthday
- Life Insurance at 4x your salary.
- 16 hours of paid volunteering time a year.
- Ability to buy or sell annual leave.
- Generous family‑friendly policies.
- Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off.
- Incentivised refer a friend scheme.
- Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks.
- Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing.
Our Commitment to Equality
Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.
When you provide us with this information, you are doing so at your own consent, with full knowledge that we will process this personal data in accordance with our Privacy Notice. By submitting your application, you agree that Starling Bank will collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we will process, where we will process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.
Onboarding Analyst in Cardiff employer: Starling Bank Limited
At Starling Bank, we pride ourselves on being an exceptional employer, offering a dynamic work culture that fosters innovation and collaboration. Our commitment to employee growth is evident through comprehensive training and development opportunities, alongside a competitive benefits package that includes private medical insurance, generous holiday allowances, and a focus on work-life balance. Located in Cardiff, our inclusive environment encourages every team member to make a meaningful impact while enjoying the flexibility of hybrid working arrangements.
StudySmarter Expert Advice🤫
We think this is how you could land Onboarding Analyst in Cardiff
✨Tip Number 1
Get to know Starling's values inside out! When you’re chatting with us, weave in how you resonate with our core values like 'Do The Right Thing' and 'Aim for Greatness'. It shows you’re not just looking for a job, but you genuinely want to be part of our mission.
✨Tip Number 2
Practice your case management skills! We love candidates who can handle a variety of applications efficiently. Think about examples from your past where you’ve managed multiple tasks while keeping an eye on detail – that’s what we want to hear!
✨Tip Number 3
Be ready to discuss your KYC/KYB knowledge! Brush up on the verification processes and corporate structures in the UK. We’re keen to see how you can apply this knowledge to help us keep our onboarding process smooth and secure.
✨Tip Number 4
Don’t forget to show your adaptability! We thrive in a fast-paced environment, so share stories about how you’ve navigated changes or challenges in previous roles. This will highlight your ability to balance customer needs with our risk appetite.
We think you need these skills to ace Onboarding Analyst in Cardiff
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter to highlight your experience with KYC/KYB processes. We want to see how your skills align with our mission of providing a fairer banking experience.
Showcase Your Attention to Detail:As an Onboarding Analyst, you'll need a keen eye for detail. Use your application to demonstrate this by ensuring there are no typos or errors. A polished application reflects your commitment to quality!
Be Clear and Concise:When writing your cover letter, get straight to the point. We appreciate clarity and brevity, so make sure you communicate your key points effectively without unnecessary fluff.
Apply Through Our Website:We encourage you to submit your application through our website. It’s the best way to ensure it gets into the right hands and helps us keep track of all applicants efficiently!
How to prepare for a job interview at Starling Bank Limited
✨Know Your KYC/KYB
Make sure you brush up on your Know Your Customer (KYC) and Know Your Business (KYB) processes. Starling is looking for someone who can navigate these verification processes with ease, so being able to discuss them confidently will show that you're the right fit for the role.
✨Emphasise Customer-Centricity
Starling values a customer-centric approach, so be prepared to share examples of how you've balanced customer needs with compliance in previous roles. Highlighting your ability to guide applicants through onboarding while ensuring safety will resonate well with the interviewers.
✨Show Off Your Attention to Detail
As an Onboarding Analyst, you'll need a keen eye for detail. Bring along examples of how your attention to detail has helped you catch potential issues in documentation or processes. This will demonstrate your investigative nature and analytical skills.
✨Be Ready for Fast-Paced Decision Making
Prepare to discuss situations where you've had to make quick, clear decisions under pressure. Starling operates in a fast-paced environment, so showcasing your ability to make sound risk judgments will be crucial in proving you're up for the challenge.
