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Chief Placeholder Officer

  • London
  • Full Time (Permanent)
  • Hybrid
  • Placeholder team
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About this role

Suspense thrives on uncertainty, a calculated pause that draws in the observer. In this pause, placeholders emerge as valuable cues. Their very presence suggests that what is yet unseen could hold the answers, a revelation or a solution. When used thoughtfully, a placeholder can tease and compel, engaging the imagination.

Responsibilities

In websites, a loading spinner is no different than the ellipsis of a suspenseful plot twist; it tells the viewer that what is coming is worth waiting for. Key benefits of effective placeholders include:

  • Maintaining engagement: By signaling more to come, placeholders prevent user drop-off.
  • Setting expectations: Clear, well-placed placeholders hint at what content is coming next, adding structure.
  • Building suspense: The anticipation of more content holds attention, just as in storytelling.

Placeholder content, however, must tread a careful line. Too sparse, and it risks undermining its own suspense; too dense, and it overwhelms with unnecessary clutter. The balance lies in leaving just enough room for the mind to wander and fill the gaps.

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Financial Crimes Program Manager

  • US Remote
  • Full Time (Permanent)
  • Remote
  • 150-170k
  • US Compliance
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About the role

The Role

We’re looking for a motivated, experienced Financial Crimes Program Manager to be a key contributor for our BSA/AML program. You’ll be responsible for the daily execution of the FinCrime compliance framework for our U.S. personal loans and cards products as both products scale. You will investigate suspected financial crime and ensure strict adherence to the Program Policy across our bank-partnership model.

This is a critical operational role within the compliance team. You will be responsible for ensuring we protect the financial system from money laundering and terrorist financing through diligent alert disposition, maintenance of accurate case records, and effective and timely escalation.

What You’ll Be Doing

  • Execute the BSA/AML Program Execute day-to-day AML, BSA, KYC/CIP, and OFAC controls and assist in maintaining program documentation to ensure the business remains compliant.

    • Keep policies, procedures, and program documentation current;

    • Conduct periodic BSA/AML risk assessments;

    • Enhance the program as products evolve to stay aligned with contractual and regulatory requirements.

  • Execute reporting responsibilities: Own periodic and ad hoc BSA/AML reporting across partner bank and internal stakeholders, ensuring accuracy, completeness, and on-time delivery.

    • Partner Bank: 314(a) and OFAC reporting & required periodic reporting

    • Internal: Periodic senior leadership reporting and quarterly Board report on program performance, key risk indicators, escalations, and emerging risks

  • Support audit and testing requests related to FinCrime: Respond to audit & exam requests, testing and monitoring, and bank partner requests; be a cooperative and responsive teammate to support overall compliance functionality

  • Investigate and Document Activity: Investigate alerts & escalations related to unusual activity; prepare internal Unusual Activity Reports (UARs) for escalation to the BSA Officer for final review.

  • Perform Screening & Monitoring: Perform sanctions-screening and AML transaction-monitoring alerts; execute assigned screening and information-sharing searches.

  • Maintain Compliance Records: Ensure all investigative findings and due diligence records are maintained in accordance with the Program’s record retention requirements.

  • Identify areas of Improvement: bring an attitude of opportunity - issue spot and execute areas for automation to ensure the financial crimes program scales with company growth

  • Operational Collaboration: Partner with Operations, Product and Engineering teams to provide operational support for the integration and testing of onboarding and transaction monitoring tools.

  • Flex into front-line queues - support the team during backlog clearance and peak volume.

What We’re Looking For

Essential

  • U.S. Regulatory Expertise: Deep knowledge of the U.S. rules-based regulatory scheme, specifically BSA, AML, KYC/CIP, and OFAC. (Familiarity with FCPA/ABC is a significant plus).

  • Compliance Function Experience: Proven experience in a compliance function, particularly in alert disposition, case management, and investigative workflows.

  • Analytical Mindset: You are comfortable diving into data to investigate alerts and identify suspicious patterns. You are detail-oriented in documenting your investigative findings.

  • Bias for Action: You have a genuine sense of curiosity and urgency with the ability to navigate the ambiguity of a fast-growing FinTech and make smart, risk-based decisions.

  • Strong Communication: Ability to hold your own with bank partners and regulators, while also influencing internal stakeholders in Product and Ops.

Desirable

  • Product Specificity: Experience in both U.S. Personal Loans (pre-origination focus) and Credit Cards (post-origination transaction monitoring).

  • Tool Proficiency: Experience with Alloy, ComplyAdvantage, Marqeta, Preset, Snowflake or Redash a plus.

Compensation

US$150,000 - US$170,000 per year
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About Lendable

A large group of around 50 people, and one dog, in an office facing the camera and smiling

Lendable is on a mission to build the world's best technology to help people get credit and save money.

  • Founded in 2014

  • Profitable since 2017

  • Unicorn in 2021

  • Backed by Balderton, Goldman Sachs and Ontario Teachers' Pension Plan

  • Loved by customers & employees with top reviews on Glassdoor and Trustpilot

So far, we’ve rebuilt the big three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do. We’re going after the two biggest Western markets (UK and US) where trillions are held by big banks with dated systems and painful processes.

Life at Lendable

Two people with laptops on their lap sat either side of a black labrador on a sofa in front of a window. The dog is a very good girl.
  • The opportunity to scale up one of the world’s most successful fintech companies

  • Best-in-class compensation, including equity

  • You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas

  • Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday

  • We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to private health insurance

  • We're an equal opportunity employer and are keen to make Lendable the most inclusive and open workspace in London

Check out our Glassdoor Reviews