Underwriter/Financial Crime Investigator

2 weeks ago

Manchester England United Kingdom CAMCO Finance Full time

A key member of the Underwriting department at CAMCO Finance, responsible for managing the end-to-end underwriting process, from initial application assessment to final payout. This role involves conducting thorough investigations into applications flagged for potential fraud or money laundering, ensuring appropriate actions are taken to mitigate financial risk and protect the company from loss. Additionally, the role requires strict adherence to Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations, ensuring full compliance with industry standards and legal requirements.

Key Responsibilities
  1. Underwrite customer proposals for finance that fall out of the auto decisioning module, assessing credit worthiness and adequate affordability while adhering to prescribed underwriting criteria and policy rules and procedures.
  2. Demonstrate responsible lending throughout the underwriting decision process.
  3. Validate customer information when provided i.e. proof of address and proof of income. Ensure customer information is consistent with the application details and any discrepancies are investigated to a satisfactory conclusion.
  4. Identify any potential fraud concerns and make appropriate decisions regarding the progression of applications when fraud or money laundering offences are suspected.
  5. Ensure that mandatory reports to CIFAS and NCA are completed when required.
  6. Gather evidence when investigating fraud cases to satisfy the burden of proof and then record such cases with the relevant fraud prevention agencies.
  7. Investigate any data disputes which may arise and take any appropriate corrective action.
  8. Mitigate risks to CAMCO finance by completing all necessary due diligence requirements for customer onboarding, in addition to ad hoc ongoing monitoring tasks in relation to Financial Crime prevention.
  9. Complete all necessary administration in relation to paying out a customer proposal, ensuring all conditions are met in a timely manner.
  10. Provide cover when required to the operations function of in-life customer support to customers and brokers, answering account queries via email and telephone.
  11. Provide cover when required to the operations function of in life customer support to customers that enter into arrears and work within the parameters of the necessary policies and procedures in place.
  12. Complete ad hoc duties to support the operations of the firm as required.
  13. A key point of contact for Brokers and Introducers, providing a top tier service within set SLA and KPIs.
  14. Identify and respond appropriately to applicants if they appear to be vulnerable customers, tailoring the service that Camco offer appropriately to the individual's needs.
  15. Provide support and advice to the Sales Team and external broker partners regarding customer applications and underwriting conditions as necessary.
  16. Ensure that the principles of Treating Customers Fairly are adhered to.
Experience and Skills Required
  1. Minimum 5+ years' experience within a financial services Underwriting or Financial Crime role preferred.
  2. A good understanding of regulatory guidelines is essential i.e. Consumer Credit Directive (CDD), Irresponsible Lending Guidelines (ILG), Data Protection Act (DPA), GDPR, Vulnerable Customers, Money Laundering and Terrorist Financing legislation and the guidance provided under the 4th Money Laundering Directive.
  3. A good understanding of Underwriting and Financial Crime processes and be fully competent in using credit reference agencies information, i.e. TransUnion, Experian, Equifax etc.
  4. Excellent attention to detail is essential.
  5. Analytical and logical mind-set with good problem solving skills.
  6. Ability to work to tight deadlines measured by SLA and KPI's.
  7. Ability to communicate effectively and in line with CAMCO's values of Integrity, Service Excellence, Respect and Collaboration.
  8. Strong written and oral communication skills with the ability to write ad hoc customer facing communications.
  9. A can-do attitude with the ability to communicate appropriately at all levels.
  10. A strong customer-first ethos with a can do approach to delivering fair customer outcomes.
  11. Be accountable for the work completed and ensure a good standard of excellence is maintained.
  12. Self-motivated requires minimum supervision.
  13. Ability to contribute as a team player.
  14. Conscientious, with an ability to take appropriate action when required to meet deadlines.
  15. Proactive in achieving individual and departmental goals.
  16. To strive for excellence in all aspects of the role.

The successful candidate will be required at all times to act within the standards expected within Consumer Duty and comply with the Conduct Rules which set the minimum standards of individual behaviour expected when carrying out a role with Camco Finance Ltd. These rules include:

  1. You must act with integrity.
  2. You must act with due skill, care and diligence.
  3. You must be open and cooperative with the FCA, the PRA and other regulators.
  4. You must pay due regards to the interests of customers and treat them fairly.
  5. You must observe proper standards of market conduct.
  6. You must act to deliver good customer outcomes.
Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Finance and Sales

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