Kroo Bank

QA Engineer

• Conducting outcome based QA checks (live chat, emails, phone calls etc.) on the teams across Customer Operations (Customer Service, Card Operations, Payment Operations, Vulnerable Customers, Financial Wellbeing and Complaints)
• Help develop the current QA framework
• Liaise with stakeholders, including Customer Operations management team to help improve training for colleagues
• Provide feedback in a timely manner and raise development feedback where required
• Help improve processes and improve best practises
• Develop QA MI and provide feedback to the relevant stakeholders on a regular basis

Quality Assurance Analyst – Customer Operations

Financial Crime

• Be the first port of call for all Financial Crime customer contact.
• Handle escalations from the Customer Service team and provide practical advice on required actions.
• Applying Financial Crime policies and processes and recording detailed notes to aid with investigations.
• Support with the identification of financial crime trends through data analysis.
• Using Financial Crime systems to check for any malicious actors and loading to the relevant databases where necessary.
• Liaise with other financial institutions and law enforcement authorities.
• Liaise with other business departments.
• Support the optimisation and update of existing processes, systems and procedures.

Financial Crime Administrator – Entry Level

• This role has a focus on transaction monitoring however the successful candidate will need to learn and contribute to other First Line FinCrime tasks.
• Investigate transaction monitoring alerts to identify suspicious activity.
• Review and approve or reject payments that are flagged as potentially high risk to protect customers and the bank from loss.
• Support the optimisation and update of existing monitoring processes, systems and procedures.
• Proactively identify financial crime trends through data analysis.
• Liaise with other financial institutions and law enforcement authorities.
• Liaise with other business departments

Financial Crime Analyst – Detection, Evening Shift

• This is an excellent chance for a Junior Financial Crime Analyst to dive into the world of financial crime detection in the banking industry. In this role, you’ll gain invaluable experience with the support of structured training and mentorship. As a key member of the Financial Crime Detection Team, you’ll help identify, investigate, and mitigate financial crime risks, safeguarding our bank and customers. Here’s what you’ll be doing:
• - **Support Daily Detection Operations**: Play a vital role in the day-to-day operations of our Financial Crime Detection Team, helping ensure tasks and responsibilities are managed smoothly.
• - I**nvestigate Suspicious Activity**: Examine transaction monitoring alerts to detect and investigate potentially suspicious activities.
• - **Assist Team Leadership**: Work alongside the Detection Team Lead to support team goals and uphold quality standards.
• - **Conduct In-Depth Reviews**: Perform detailed checks on periodic and enhanced due diligence alerts to verify compliance and accuracy.
• - **Spot Emerging Trends**: Use data analysis to identify new financial crime trends and patterns.
• - **Oversee Payment Reviews**: Carry out payment reviews efficiently, balancing risk management with customer experience.
• - **Collaborate with External Entities**: Liaise with other financial institutions and law enforcement to address and prevent financial crime.
• - **Engage Across Departments**: Work with various teams within the business to support company-wide financial crime prevention strategies.
• - **Enhance Processes**: Assist in refining and updating existing processes, systems, and procedures to improve effectiveness.
• This role is ideal for someone who’s passionate about financial crime detection and eager to deepen their skills in a dynamic and supportive environment.

Financial Crime Analyst – Detection Team

• This is an excellent chance for a Junior Financial Crime Analyst to dive into the world of financial crime detection in the banking industry.
• Support Daily Detection Operations: Play a vital role in the day-to-day operations of our Financial Crime Detection Team, helping ensure tasks and responsibilities are managed smoothly.
• Investigate Suspicious Activity: Examine transaction monitoring alerts to detect and investigate potentially suspicious activities.
• Assist Team Leadership: Work alongside the Detection Team Lead to support team goals and uphold quality standards.
• Conduct In-Depth Reviews: Perform detailed checks on periodic and enhanced due diligence alerts to verify compliance and accuracy.
• Spot Emerging Trends: Use data analysis to identify new financial crime trends and patterns.
• Oversee Payment Reviews: Carry out payment reviews efficiently, balancing risk management with customer experience.
• Collaborate with External Entities: Liaise with other financial institutions and law enforcement to address and prevent financial crime.
• Engage Across Departments: Work with various teams within the business to support company-wide financial crime prevention strategies.
• Enhance Processes: Assist in refining and updating existing processes, systems, and procedures to improve effectiveness.

Junior Financial Crime Analyst – Detection Team

• We’re on a mission to build the world’s greatest social bank. We believe that banking needs to change for the better. When money is used correctly, it can transform our daily lives and positively impact the planet.
• We’re a varied team of experienced tech, customer experience, marketing, legal and banking professionals and we’re looking for highly motivated and inquisitive people who want to understand customer behavior and how to deliver the best customer experience.
• We believe our people and culture are what makes Kroo different, so we’re keen to promote people development within the company so you’ll also get the chance to broaden your skill-set and experience. We work in cross-functional collaborative teams, so you’ll also work alongside our product teams and developers to improve the customer experience on a day-to-day basis as well as the wider organisation.
• The Kroo is growing and we’d love to hear from you if you’re interested in joining us in our journey.

KYC – Financial Crime Specialist

Analyst

• Develop the credit decisioning ruleset and scorecard, expanding strategies to suit specific customer groups
• Manage the dynamic pricing modelling alongside credit profiles, to ensure our customer offer is competitive and performs over time
• Oversee the affordability assessment, using Open Banking transaction analytics to validate specific customer circumstances, and identify vulnerability markers
• Monitor cohort performance over time, being able to measure and explain variances. This end-to-end view of the credit lifecycle will also include input to the collections strategies and success metrics.
• Monitor our forbearance and arrears effectiveness strategies and provide insight into measurement and improvement approaches.
• Explain and present the credit performance amongst the team and to business stakeholders
• Support policy and procedure development within the lending team

Credit Risk Analyst

Chief Operating Officer

• Report directly to the Chief Executive Officer and serve as a member of the Executive Committee
• Develop, execute, and regularly review the bank’s operations strategy to align with business goals, governance standards, and UK regulatory requirements
• Lead customer and financial crime operations, including service delivery, complaints management, fraud prevention and detection, and lending arrears and collections
• Maintain accountability for outsourcing and third-party arrangements, ensuring compliance with PRA outsourcing and third-party risk management guidelines
• Oversee payment services operations to ensure reliable, efficient, and compliant delivery
• Ensure operational processes meet Consumer Duty requirements and deliver fair outcomes for customers
• Chair the Operations Committee and provide strong governance over day-to-day operational performance
• Oversee operational risk management, business continuity planning, and regulatory engagement
• Ensure clear accountability and timely reporting of operational risks to the CEO, Board, and Board Committees
• Drive operational efficiency, regulatory compliance, and safeguard customer outcomes across operations

Collections

• Communicate directly with customers via in-app chat, email and telephone
• Support the implementation of arrears, forbearance/collections and vulnerability procedures; take ownership of the successful delivery
• Play a central role in the day-to-day management of loan lifecycle events
• Help shape the Lending Operations function and support the Head of Business Operations and Head of Lending
• Produce reports on key metrics
• Liaise with the underwriting and lending policy teams to improve overall strategy and risk appetite
• Report directly to the Collections and Financial Wellbeing Team Manager

Collections and Financial Wellbeing Specialist

Financial Planning and Analysis

• We’re creating the world’s most social bank and improving people’s relationship with money for good; remove stress and social awkwardness and build a bank better for customers, their friends, and the planet.
• You’ll report directly to our CFO and work cross-functionally with a variety of teams.
• Scale finance in a fast-growing startup
• Continue to refine our daily, weekly and monthly management reportiing
• Prepare the bank’s financial statements and exercise oversight of associated controls to ensure the completeness and accuracy of the financial statements in compliance with appropriate accounting standards
• Implement a robust automated regulatory reporting framework and oversee regulatory reporting
• Maintain the Finance Manual and Financial Risk Management Policy
• Ensure compliance with all relevant regulatory capital and liquidity requirements
• Manage the budgeting and business plan processes and ensure alignment with regular evaluation of the bank’s capital and liquidity requirements Oversee the bank’s tax affairs, ensuring that tax obligations are minimised within the law and good practice and manage compliance with the HMRC Code of Practice on Taxation for Banks
• Ensure appropriate expenditure control is in place and operates effectively
• Liaise with external auditors and ensure that the external audit is carried out effectively
• Ensure that regulatory reporting is complete, accurate and timely
• Oversee Kroo’s tax affairs, including VAT, corporation tax filings, FATCA/AEOI filings and ISA returns
• Oversee other finance functions, including purchase ledger, reconciliations and payroll.