Grow with UTB

A new job opportunity with United Trust Bank

Customer Due Diligence | Property Development

A new opportunity to work in our Property Development team, where you will support the Customer Due Diligence (CDD) team in conducting initial and ongoing checks on new and existing customers, ensuring compliance with regulatory requirements for new and existing customers. This role is focused on learning core CDD processes and contributing to accurate and timely onboarding and ongoing monitoring of customers.

Job Reference: PD072-25
Department: Property Development
Reporting to: Customer Due Diligence Manager
Location: London
Work pattern: Hybrid

Job description

This is a hybrid role – 3 days in the office (City of London location) and 2 days working from home.

Role Purpose

To perform detailed customer due diligence checks on behalf of the first line of defence, assess customer risk profiles, and ensure compliance with Anti-Money Laundering (AML) regulations and internal standards. The role requires analytical judgement, stakeholder engagement, and the ability to manage complex cases independently.

Responsibilities:

Conduct comprehensive AML Simplified Due Diligence, Standard Due Diligence and Enhanced Due Diligence checks on individuals and corporate entities as appropriate, with emphasis on complex ownership structures and high-risk profiles.
Conduct PEP, sanctions, and adverse media screening, escalating any high-risk cases where required.
Complete customer financial crime customer risk assessment
Manage periodic Know Your Customer (KYC) refresh cycles, trigger events and ongoing Customer Due Diligence (CDD) activities to preserve the integrity of the back book and support compliance objectives.
Work closely with internal stakeholders to ensure timely and compliant onboarding.

Skills and Experience sought:

- Strong experience within a Financial Crime / AML / KYC Function in financial services. A sound understanding of Property Development & Structured Property Solutions lending would be relevant.
- 3 years plus experience gained in Financial Crime/ Onboarding/ AML role in another UK Regulated Bank.
- Highly organised and methodical, with an ability to see work streams through to completion.
- Strong knowledge of Word and Excel

About UTB

UTB is a dynamic and expanding specialist bank that provides solutions to our customers and brokers, which help them achieve their ambitions. Recognised as being one of the most dependable and well-respected Specialist Banks in the UK, we were delighted to see our balance sheet exceed the £2bn mark in 2022.

Exceptional customer service and the ability to provide rewarding deposits accounts and flexible lending solutions have helped us to develop productive and enduring relationships with our customers. We understand that their success is our success and that the quality of our people and teams, is key to delivering special outcomes for them.

We also understand that the performance of our people is directly linked to the culture in which they work. There is a strong sense of community at UTB and as well as promoting a clear set of internal values, and providing a wealth of facilities for training, personal development, and team building, we run a busy and varied calendar of engagement and social activity. Typical recent examples include: Pizza Lunch Days and Coffee Catch-ups; London Marathon and Sahara Challenge Sponsorships; Success Sharing and Value Awards; and Awesome Autumn social events ranging from Theatre Trips, Cocktail Mixology, and Cookery Classes, to Go-karting, Mini Golf and Clay pigeon shooting.

Employee benefits

Competitive Salary and Bonus package
26 Days Holiday
2 Wellbeing Days
Contributory Pension
Life Insurance / Income Protection / Critical Illness cover
Private Medical Insurance
Season Ticket Loans
Excellent career development opportunities and where appropriate sponsorship of a relevant qualification