Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally.  We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities.  This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale.  We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

The Customer Due Diligence (CDD) Specialist is a technical role responsible for delivering high-quality, judgement-based CDD and Enhanced Due Diligence (EDD) for complex SME-lending cases.

The role exists to restore and strengthen specialist SME CDD capability following increased volume and complexity arising from business growth and acquisition activity. It plays a critical role in protecting Shawbrook’s SME-lending franchise by ensuring robust, audit-ready decisioning where automation is not appropriate.

The role adds value by:

• Enabling timely, high-quality SME lending decisions
• Reducing regulatory, remediation and reputational risk
• Acting as a subject-matter expert and coach within Financial Crime Operations

Key Role Responsibilities

• Conduct and approve complex CDD and Enhanced Due Diligence reviews, with a primary focus on SME-lending cases.
• Act as a subject-matter expert for SME CDD, interpreting complex borrower structures, ownership, control and associated financial crime risks.
• Assess and articulate risk clearly, producing well-reasoned, audit-ready decision rationale and evidence packs.
• Advise Relationship Managers, Credit and other stakeholders on evidence requirements and CDD expectations for higher-risk SME transactions.
• Support the management of increased CDD volumes arising from acquisition activity and business growth.
• Coach and support analysts through complex cases, remediation activity and capability uplift.
• Maintain high standards of quality, consistency and regulatory compliance across all assigned work.
• Liaise with second-line compliance, internal audit and regulators on technical CDD matters as required.

Skills & Experience

Shawbrook is committed to providing opportunities to all candidates, and understand that not all candidates may possess a qualification or education aligned to the role. We will assess each candidate on their individual experience and skills, and not solely on level of education.

• Several years’ practical experience in AML / CDD within a UK financial services environment.
• Demonstrable experience of SME-lending CDD, including complex and bespoke borrower structures.
• Strong technical understanding of AML, CDD, EDD and relevant UK regulatory expectations.
• Proven ability to make sound, judgement-based decisions that are not easily automated.
• Experience producing clear, defensible written decision rationale suitable for audit and regulatory review.
• Comfortable working independently on complex matters while supporting and coaching others.
• Strong stakeholder engagement skills, with the ability to explain requirements pragmatically.
• Familiarity with case-management systems and CDD tooling.
• AML / Financial Crime accreditation (e.g. ICA, ACAMS) desirable but not essential.

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done