Lloyds Banking Group
Financial Crime Enhanced Investigator
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Financial Crime Investigator (Credit Control)
Salary: £44,901 – £49,890 per annum Location: Birmingham, Chester, Glasgow, Hove, Leeds, Manchester, Newport, Cardiff, Edinburgh, Halifax Hours: 35 per week Working Pattern: Primarily remote (with flexibility to work from home) — must be based within reasonable travel distance of one of the hub locations
[CRITICAL — END DATE: SUNDAY, 28 JUNE 2026]
About the Role
Job Title: Financial Crime Investigator (Consumer Financial Crime Investigations)
Purpose: Financial Crime Operations’ financial crime investigation team plays a critical role in protecting Lloyds Banking Group and our customers from the impacts of economic crime. This permanent role is based within Consumer Relationships Financial Crime (CRFC)*.
Key Area Responsibilities: The team focuses on:
- Investigating Suspicious Activity Reports (SARs) to determine transparent and compliant disclosures to the National Crime Agency (NCA).
- Conducting customer relationship reviews while delivering high-quality intelligence-driven risk management solutions.
- Improving operational resilience against financial crime through proactive data-led security.
The successful candidate will:
- Work collaboratively to conduct pre-event investigations and determine whether a customer’s account should be blocked or restricted.
- Liaise with external regulatory/law enforcement agencies, internal stakeholders (including legal, compliance, and business teams), supporting both customer protection and mitigating financial crime risk.
What You’ll Be Doing
Core Responsibilities:
- Investigate complex referrals for financial crime cases, applying analytical reasoning and due diligence to support NCA disclosures where legally required.
- Assess ** détective** activity, trust monitoring, and regulatory obligations to produce authorised action planning and defences.
- Supervising investigations involving scenarios of potential high-risk activity, including fraud and Sanctesan scrutiny, while adhering to rigorous procedural standards.
- Construct findings focusing on intelligence-led decisions in support of operational control measures.
- Manage high-risk cases, delivering ROI-driven outcomes that align with [treasury & compliance] fictions\regulatory regimes (FI-AMLP Fit & Proprietary).
- Contribute to continuous internal learning and system improvements, such as test account checking, detective examen, and identification of vulnerabilities within the compliance procedure.
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Stakeholder Engagement:
- Collaborate with internal teams and external agencies (police, regulators, and legal authorities) to investigate risks thoughtfully.
- Regular coaching and subject-matter expertise support for junior investigators to raise operational capacity.
Requirements
Essential Skills & Experience:
- At least 3 years: Direct work experience in financial crime investigations, including AML, Suspicious Activity Reporting, transaction monitoring, or economic crime divisions.
- Proven ability to interpret complex investigations, validate evidence, and [give] substantiated conclusions in regulatory environments.
- Proficiency in regulatory compliance knowledge, notably with the National Crime Agency, Financial Conduct Authority, or Money Laundering Regulations.
- Stakeholder management skills, achieving alignment between investigations and business explorations.
- Analytical mindset & strong attention to detail to deliver accurate, reports, actionable insights that inform evidence-based outcomes.
- Demonstrated capability to communicate findings clearly across all levels and contribute to high-level strategic recommendations.
Desirable Qualifications:
- Experience with the National Crime Agency, law enforcement, or partnerships with regulatory units on high-impact cases.
- Previous mentorship roles or coaching experience.
What You’ll Gain
Cultural Fit & Opportunities:
Lloyds Banking Group prioritises Leading through Purpose, driving a diverse and inclusive workplace that supports colleagues in reaching their full potential.
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We Adapt to You:
- A long-standing Disability Confident Leader as part of our efforts toward equality and accessibility, guaranteeing interviews for reasonable adjustments.
- Flexible working with options for remote operations, accompanied by tailored support for low-distraction timing or accessible environment needs.
Attractive Benefits:
- Competitive pension matching up to 15% of employee’s contributions.
- Annual bonus potential tied to performance outcomes.
- Share schemes including offerings such as free shares.
- Wellbeing programs and generous holiday allowance (28 days + bank holidays).
- Long-term support for improving employees’ work-life well-being with policies that accommodate parenthood, menopause, health initiatives, sick pay, and educational guidance.
Why Join Us?
{Lloyds Banking Group} At its heart, Lloyds Banking Group operates with a clear purpose: helping Britain prosper.
As the UK’s fourth-largest banking group, we exemplify integrity, responsiveness and cultural innovation that ensure our colleagues feel empowered while making a significant impact. With a dynamic opportunity-driven environment, each role delivers the chance to lead in financial resilience tools, foster economic stability and enhance stakeholder trust.
Last but not least: [We prioritize transparency and respect. Therefore, we collect personal data during late recruitment stages after a verbal or formal interview/conditional offer approval.] We always seek to authentically understand your goals before requesting sensitive information.
Our colleagues work towards a real opportunity dialog with a supportive values-driven culture and collective journey toward holistic financial outcomes.
Are you ready to shape the future of financial services together? Apply today, explore and secure your place at the forefront of value-informed ambition!
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