Senior Complex Business Specialist - Manchester, United Kingdom - Starling Bank

Starling Bank
Starling Bank
Verified Company
Manchester, United Kingdom

3 weeks ago

Tom O´Connor

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Tom O´Connor

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Description
We are currently seeking an experienced individual to join the role of Senior Complex Business Specialist.
We're on a mission to disrupt financial services. Since we were founded in 2014 Starling Bank has grown to over 3m customers, including nearly 500,000 SME customers. Our customers have deposited over £9bn with us, and we have nearly £4bn in assets.

We're ranked number 1 for customer satisfaction in the UK, and intend to continue disrupting the UK market to improve customer experiences in banking.

Our free Business Banking proposition is unique and market leading.

As we grow our digital services to UK SMEs and provide a truly revolutionary banking experience, we need a team of business specialists who are able to support our SME customers.

This person will lead the SME team's implementation of Starling's supporting corporate structure Business Banking clients.

Initially this will be aimed at maximising the retention of existing customers but in the longer-term potentially onboarding new customers.

This role will have both external and internal stakeholders.


About the role:


  • This role sits within a team of Complex Business Specialists, we are looking for a Subject Matter Expert to be on hand for escalated queries and to share expertise with the rest of the team and upskill them
  • While this role does not have direct reports we are looking for someone who can lead by example and share their knowledge and experience to broaden the skillset of the team and enhance their understanding of share structures, ownership calculations and both standard and bespoke UBO
  • Business verification you oversee the review of established Starling businesses customers. You will ensure that we gain a full understanding of the business which includes risk assessment. The reviews will ensure that Starling's KYB is up to date and decisions which follow are taken in line with our risk appetite.
  • You will understand Starling's risk appetite and ensure it is applied in all reviews. This includes challenging the approach to our business relationships and championing changes to policy to enhance the controls within Starling's risk environment, using your knowledge of banking and your customers.
  • Through your role you will have a unique insight into our customers enabling you to identify trends & behaviour that you will report into our feedback loops, resulting in further improvements to our proposition, business relationships and due diligence/KYC controls.
  • You will be a coaching and support function within the team, leading on QC & team development
Starling Bank supports customers 24/7, 365 days a year. We do this by working as a team. This is a hybrid role based in Manchester with a requirement to travel to this base office each week.


Requirements:


  • Be focused on retaining and optimising the Starling's existing Business Banking relationships
  • Liaise with internal stakeholders to drive the implementation of Starling's ability to retain more complex and corporate structured business customers. This will include; engineering colleagues in respect of internal platform design and requirements; Information Security, for API feeds from external sources; Onboarding (Business and Personal), Compliance, MLRO, Banking and Commercial Risk amongst others
  • Able to draw own conclusions based on relevant data and make the right decisions, considering both the business and customer outcomes of our decisioning
  • Submitting recommendations to Senior Management in relation to the how we can support certain types of business
  • Ensure the team undertaking this work are supported through coaching and appropriate training
  • Where required, participating in conversations with our Business Banking clients to gain a full understanding of their business
  • Supporting colleagues and working with them to ensure that they deepen understanding of the client through proactive risk assessments and customer due diligence reviews
  • Have strong understanding of the corporate onboarding process and be hands on in supporting colleagues who oversee the onboarding journey's of new and existing clients.
  • Be an SME business expert. Understand business banking, KYB, Starling products, and FinTech movement.
  • Understand the wider macro economic landscape impacting businesses and aware of the competitive landscape for businesses in their respective region

About You:


  • Experience of working in relevant environment/s, i.e. Business/Corporate Banking, Financial Services
  • Track record in completing Complex KYC reviews including: understanding corporate ownership involving different share classes, different entity types (such as trusts/nominees/partnerships) with the ability to assess and calculate key controllers within a business. The role will also require an understanding of jurisdiction risk and the implications of offshore ownership.
  • Be able to speak confidently to key stakeholders within our businesses, driven by a desire
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