Team Risk and Credit
Location Holborn Office
County Central London
Ref # 23495
Closing Date 25-Jul-2025
We have been awarded the “Most Loved Workplace”! At Metro Bank, people come first – our culture is all about bringing the best out in our colleagues, and making sure everyone feels valued, respected, seen and included. We strongly believe in a diverse and inclusive workplace and to find the very best person for the job, we always look across a wide range of diverse communities.
What you will do:
As the Head of Financial Crime & Fraud Strategy you will be responsible for the development, execution and continuous improvement of the Bank’s financial crime and fraud risk strategy. The role will oversee key risk areas such as policy & advisory, risk methodologies and risk assessments across all key risk dimensions (e.g. customer, country, industry, transaction, product, enterprise, and third-party). Additionally, the role ensures that strategic frameworks support both regulatory compliance and business growth through the promotion and implementation of risk-based approaches aligned with industry best practices.
Develop and implement the enterprise-wide financial crime (FC) and fraud strategy in alignment with the Bank’s regulatory obligations and business objectives- Foster internal cross-functional collaboration to integrate FC and fraud risk considerations into broader risk management and governance frameworks
- Provide clear and timely guidance to stakeholders on the evolving policy landscape, ensuring alignment with regulatory requirements, practical applicability and proportionality
- Act as a trusted strategic advisor to senior stakeholders on FC risks, industry developments, and mitigation strategies
- Represent the function in internal forums and governance committees, promoting awareness and alignment on risk issues
- Lead the development and maintenance of dynamic, data-driven RBA frameworks across all FC and fraud risk activities
- Own and maintain methodologies for 2nd line FC risk assessments, covering enterprise, customer, country, industry, product and third-party risks
- Review and approve higher risk business relationships, supporting 1st line functions with escalation decisions
And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the ability to call out any concerns.
What you will need:
Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders- Excellent senior leadership experience in second-line financial crime compliance, with exposure to a range of business models, product types, customers, geographies, and distribution channels.
- Demonstrated experience both in business as usual, and in designing systems and controls for new products and services in both large institutions and fast-growth environments
- Deep understanding of UK and EU anti-financial crime regulatory frameworks
- Strong knowledge of Customer Due Diligence requirements and the handling of complex escalations
- Demonstrated ability balancing regulatory requirements with operational efficiency and customer outcomes
- Skilled in preparing and presenting detailed documentation for executive stakeholders and regulatory reviews
- Proven ability to develop and apply a proportionate, risk-based approach to FC and fraud risk management, ensuring alignment with regulatory expectations and the bank’s risk appetite
- Experience leading or supporting remediation and transformation projects in the FC domain
- Excellent communication skills combined with strategic problem-solving capabilities
- Leadership experience in first-line financial crime operations is preferred, including ownership of risk and control execution
- Industry professional qualifications in anti-money laundering and/or anti-financial crime (e.g., ICA, ACAMS) would be desirable but not essential
Our promise to you…
We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts!- We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!).
- We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.
- This role is regulated by the Financial Conduct Authority (FCA) under the Senior Managers and Certification Regime. This means that If you are successful in your application, we are required to carry out additional checks that will be repeated annually while you are in this role. For more information you can visit the FCA website or ask your recruiter who can explain further.
Important Footnote
Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!