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Financial Crime Officer
Date Posted: 05 May, 2022
Belmont Green Finance Limited
London/Hybrid
Role Purpose

About us

Belmont Green provide mortgage solutions through its “Vida Homeloans” brand for Buy to Let and residential borrowers who find themselves underserved elsewhere. Our borrowers range from Buy to Let investors, to the self-employed and customers with multiple jobs. We know that life is never a straight line. That’s why we believe in second chances. Working exclusively with intermediary partners, we combine cutting-edge technology with skilled and caring people to solve complex customer problems and help everyone find a safe place to call home. People are at the heart of our business, and we work hard to create a positive and engaging working environment centred around our vision, mission, and values.

With three offices in Staines, London, and Skipton, we bring teams together regularly to collaborate but empower our colleagues to have more choice around when and where they work on the days they are not in the office, with colleagues working remotely in various locations across the UK.

Our Values

Our values lie at the heart of everything we do and provide a frame of reference for the behaviour we expect to see in our people every day. Refreshed in 2020, we look for these qualities when hiring new talent into the organisation, and they underpin our approach to personal development and performance management for all our people. We are:

Visionary - We innovate and break old habits, thinking big and pushing boundaries together as one team

Inclusive - We value each other’s differences and work to see people for who they really are

Dynamic  - We are flexible and fast, cutting through complexity and never accepting second best

Authentic - We are honest and genuine, what you see is what you get



Role main purpose:

To minimize the risk that BGFL is the victim of financial crime or fails to comply with AML/CTF regulatory requirements, by implementing appropriate processes and controls, identifying opportunities to make improvements and by promoting good practice.

Key Responsibilities
  • Prompt and effective review of fraud referrals through Hunter, CIFAS and Detect, updating where relevant on Hunter workbench and the underwriting fraud referral queue
  • Prompt and effective review of Sanctions and PEPs matches on Hunter
  • Prompt and accurate investigation of Suspicious Activity Reports relating to Money Laundering and Fraud, recommending a course of action for approval by a Senior Financial Crime Manager and then implementing the same, including reports to the NCA and IFL (as required)
  • Provide helpful and accurate advice and assistance on all financial crime matters
  • Ensure all day-to-day record keeping is accurately maintained in a timely manner
  • Stakeholder engagement with any 3rd parties in relation to financial crime activities, providing support and direction as required
  • Supporting the Senior Financial Crime Manager to review patters of application fraud from applicants, intermediaries and/or other third parties in connection with the mortgage applications and work alongside Sales and New Business Originations to make the appropriate recommendations as to action required e.g., monitoring
  • Make recommendations to improve policies, processes, and rules to improve the effectiveness of the controls, identify non-compliance with regulations or policies, reducing false positives and identifying gaps in systems and processes
  • Along with the Senior Financial Crime Manager report clearly, accurately, and insightfully on financial crime exposures to internal governance (Credit Committee, Intermediary Oversight Panel, Executive Risk Committee and Board Risk Committee)
  • Update job knowledge by participating in educational opportunities including qualifications; reading professional publications; maintaining personal networks; participating in professional organisations
Knowledge & Experience
  • Experience and understanding of the mortgage lifecycle and the financial services industry
  • Experience within an AML/KYC/Fraud analysis role, ideally within mortgage services
  • Knowledge of and experience with National Hunter and Cifas systems and processes
  • Knowledge of Financial Crime regulatory requirements
  • Good written communication skills with ability to present information clearly, concisely, and accurately
  • Good analytical skills with ability to gather and manage information effectively, efficiently, and ethically
  • Strong communication skills with the ability to communicate and present to all levels both internally and externally

 

Personal qualities

  • Sets the tone for compliance and control and demonstrates and reinforces values through own behaviour to establish high standards of working practice and desired culture
  • Fosters trust and collaboration by displaying respect of peoples’ beliefs, values and time with openness and integrity
  • Communicates in a constructive, friendly, and positive manner that demonstrates respect and sets an example to all
  • Adapts communication style as appropriate to, support, coach and motivate both individuals and the organisation on regulatory matters, dependent on the given situation
  • Confident in challenging others, whilst at the same time maintaining and building a professional relationship
Benefits

Belmont Green and Vida offers comprehensive benefits package to support our employees’ professional and personal needs, these are:

•            Agile Working

•            Annual Bonus - (company and personal performance related)

•            Annual Leave - 25 days annual leave rising to 28 days (1 extra day per full year worked)

•            Buy Annual Leave - Up to a maximum of 5 days annual leave can be purchased and will be provided interest free

•            Birthday - We provide staff their birthday off to celebrate in style following 6 months’ service

•            Vitality - Private Medical (Single cover) with Vitality as a ‘Benefit in Kind’ including discounts and health incentives

•            Health MOT - Annual health checks with Vitality representative

•            Season Ticket Loan - We understand that some staff will need to rely on public transport in order to attend their work location. This benefit is intended to help staff cover the costs of a season ticket.

•            Company Pension

•            Life Assurance - Offering 4 x basic salary

•            Car Parking - Free parking at Staines and Skipton offices

•            Education and Further Learning

•            Employee Referral Incentive Scheme

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