Y TREE
Client Onboarding Specialist
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Client Onboarding Specialist
About Y TREE
We are a rapidly growing WealthTech business that is re-defining how individuals and families connect and engage with their money. We provide our clients with control over their personal finances, enhancing their ability to achieve their financial and life aspirations.
We are harnessing sophisticated portfolio analytics, innovative behavioural psychology and cutting-edge UX/UI to create a revolutionary experience and transformational outcomes for our users. The business was founded in 2017 by three successful entrepreneurs and business-builders with diverse experiences and skill-sets in Technology, Corporate Advice and Investment Management and is backed by some of Europe’s leading investors.
Role Overview
Operating as a senior subject matter expert, this Individual Contributor will drive the strategic optimisation and execution of the end-to-end client onboarding lifecycle. You will handle the firm's most complex, high-value, and multi-jurisdictional onboarding cases (U/HNW, Trusts, and Corporate Entities) while serving as the primary consultative bridge between front-office advisors, compliance, and technology teams.
About the Role
Client Due Diligence Complex Case Execution & Advisory
- Act as the dedicated expert for onboarding High Net Worth (HNW), Ultra-High-Net-Worth (UHNW) clients, complex trust structures, Special Purpose Vehicles (SPVs), Financial Investment Companies (FIC), and institutional/family office entities.
- Diligently collect and process identity documents, constitutional documents, legal documents, and other essential collateral documents to support the initiation of the relationship and thereafter.
- Conduct deep-dive Source of Wealth (SoW) and Source of Funds (SoF) analyses for high-risk or politically exposed persons (PEPs).
- Create and present money laundering risk assessments to the Business Acceptance Committee.
- Serve as the trusted, senior escalation point for Relationship Managers and Advisers to navigate complex onboarding roadblocks without compromising regulatory standards.
- Collect tax documents or verify tax reporting obligations.
- Carry out Enhanced Due Diligence on high risk clients.
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Regulatory & Risk Governance
- Partner closely with Financial Crime, Legal, and Compliance teams to interpret evolving global regulations (e.g., AML, KYC, FATCA/CRS) and embed them seamlessly into the onboarding workflow.
- Ensure absolute data integrity and regulatory compliance across all new client accounts, mitigating operational and reputational risk for the firm.
- Presentation of each candidate client at BAC.
- Stay abreast of relevant regulatory changes; inform key stakeholders of relevant changes and their impact.
Technology & Change Champion
- Act as the business product owner or key stakeholder for Client Lifecycle Management (CLM) and CRM platform enhancements (e.g., Salesforce, Fenergo, Appway).
- Evaluate and champion digital-first tools (e.g., digital identity verification, AI screening, automated workflows) to modernise the client transition experience.
People skills
- Be able to deal with senior stakeholders in the business - be confident to provide updates or raise process enhancements.
- Effectively communicate with HNWI clients during the onboarding process.
- Manage and update various cases at once, whilst clearly communicating updates to the relevant stakeholders.
About You
Technical Skills
- 7+ years of experience in wealth management, private banking, or asset management onboarding operations.
- Proven ability to influence senior stakeholders, manage complex projects, and deliver results independently without direct reports.
- Deep technical expertise in onboarding complex legal structures across multiple jurisdictions, including offshore entities and intricate trust agreements.
Core Competencies
- Understanding that onboarding is the client's first impression of the firm—needing a commercial mindset that protects the business without frustrating the client.
- Deep technical proficiency in deploying and leveraging industry-standard, third-party screening platforms (e.g., World-Check, LexisNexis Bridger, Dow Jones Risk & Compliance, or Moody's Grid) to accurately evaluate PEPs, Sanctions, and Adverse Media.
- A highly analytical approach to untangling complex legal documentation and operational workflows.
- Exceptional communication skills with the ability to push back constructively on front office or compliance partners.
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Preferred Qualifications
- Bachelor’s degree in Law, Finance, Business, or a related field.
- Advanced professional certifications in Compliance or AML (e.g., ACAMS, ICA Diploma).
What's in it for you?
- Once eligible, you'll be able to enroll onto our private healthcare plan through Vitality. This includes perks like 50% off premium gym memberships and access to their exclusive rewards programme.
- Support for your mental health and wellbeing through our employee assistance programme.
- 25 days of annual leave per year. This is 25 days each year where we expect you to turn your phone off and switch off; we would never ask you to book leave for a doctor's appointment or to see your children's school plays.
- Regular team socials to help you switch off from work and get to know your colleagues in an environment away from your desk. We ensure socials are well-balanced and offer a variety of activities to suit different needs so you always feel welcome.
- A welcoming, dog-friendly London office with appropriate spaces to cater for those with varying needs in the form of various breakout spaces and silent booths.
- As well as, a range of family-friendly policies, support towards professional qualifications, electric car schemes and more!
Our mission at Y TREE is to build diversity in our teams; diversity of thought, culture, backgrounds and perspectives. Please come as you are and let us know if there are any reasonable adjustments we can make to support you in your application process. Additionally, if you don't feel you meet 100% of the requirements please apply anyway if you feel you can demonstrate your suitability to the role. Please note, that sponsorship is not available for this role.
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Jessica, London
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