Lloyds Banking Group
Financial Crime Investigator
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Financial Crime Investigator (Grade C)
Salary: £33,203 - £34,950 per annum Location: Birmingham, Chester, Glasgow, Hove, Leeds, Manchester, Newport, Cardiff, Edinburgh, Halifax Hours: Full-time (35 hours per week) Working Pattern: Primarily remote, with the need to be based within reasonable travel distance of one of our hubs for occasional attendance.
⚠️ Apply quickly! Roles often close early due to high demand.
About the Role
This position is within Financial Crime Operations, part of the Economic Crime Prevention function. You’ll play a vital role in protecting customers and the Group from financial crime by:
- Investigating Suspicious Activity Reports (SARs)
- Assessing whether escalation to the National Crime Agency (NCA) is required
- Conducting customer relationship reviews for financial crime risks
- Contributing to intelligence-led risk management
Collaborating with colleagues across Financial Crime and operational teams, you’ll ensure consistent, high-quality, and regulator-ready decision-making.
About Us
Fluent doesn’t think all banks are the same. As an innovative financial institution dedicated to making banking a force for good, we’re committed to:
✅ Empowering our people to innovate, explore possibilities, and grow with purpose ✅ Prioritising transparency, ethical practices, and positive impact on society
We’re bucking the conventional banking mold while upholding the highest standards in financial crime intelligence.
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What You’ll Be Doing
In this role, you’ll:
- Assess manual and system-generated alerts using sound judgement
- Investigate SARs and determine the appropriate course of action
- Manage investigations from initiation to resolution, adhering to SLAs (Service Level Agreements)
- Analyse customer activity, recommending continued relationships or exits where necessary
- Document findings in regulator-ready standard, clear written reports
- Apply a risk-based approach for decision-making
- Spot and escalate financial crime risks
- Meet quality and productivity targets
- Contribute to continuous improvement and team collaboration
What You’ll Need
Essential Requirements
- Experience in Financial Crime (AML, KYC, Transaction Monitoring, or Investigations)
- Strong understanding of Financial Crime regulations and investigative techniques
- Ability to assess complex information, making sound, risk-informed decisions
- Exceptional attention to detail and strong written communication skills
- Analytical mindset, spotting patterns and identifying risks
- Proven ability to prioritise workloads while delivering at pace under pressure
Desirable (Not Strictly Mandatory But Helpful)
- Prior SAR investigations experience
- Handling external case escalations (e.g., to NCA, FIU, or supervisory authorities)
- Familiarity with transaction monitoring/alert-based systems
About Working for Us
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At Fluent, we’re proud to be a leader in diversity, equity, and inclusion (DEI), fostering a culture where everyone can thrive, learn, and develop. Key highlights include:
🔹 One of the first major UK organisations to set diversity targets, including 60% women in senior roles 🔹 Menopause health support and a dedicated Working with Cancer Initiative 🔹 Reasonable adjustments for colleagues with disabilities, including flexible working patterns and adaptive location policies
As a Disability Confident Leader, we guarantee interviews for applicants with a disability, long-term health condition, or neurodivergent condition who meet the minimum criteria.
⚠️ Funerals on occasion: During the recruitment process, let us know what reasonable adjustments you need.
Benefits Package
In addition to a competitive salary, we offer:
- Generous pension contribution (up to 15%)
- Annual performance-related bonus
- Profit-sharing and share schemes, including free shares
- Flexible insurance and benefits tailored to your life
- 24 days’ annual leave (plus bank holidays)
- Wellbeing initiatives, dentistry, health checks, and more
- Generous parental leave policies – 31 weeks paid maternity/adoption leave, 16 weeks paternity/partnership leave
Ready to make financial crime prevention your career?
Apply now and be part of a forward-thinking team where innovation, purpose, and growth matter most.
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