Location: England United States Job Description: Job Title: Financial Crime Lead Contract Type: 12 Month Fixed Term Contract Function: Chief Customer Office Location: London, Edinburgh, Bristol or Gloucester - Hybrid-working Salary: Competitive plus generous benefits package How you'll make a difference The Financial Crime Lead - CCO (Risk Partner) plays a pivotal role in ensuring Economic Crime (EC) risks are effectively understood, managed and controlled across the Chief Customer Office. Acting as a financial‑crime specialist, the role provides authoritative first‑line guidance, constructive challenge and delivery leadership across AML/CTF, Sanctions and Anti‑Bribery & Corruption risk categories. Operating with minimal direction, the role leads complex EC‑related activity end‑to‑end, embedding regulatory and policy requirements into customer journeys, products, processes and digital design. By influencing senior stakeholders and acting as a trusted interface with Financial Crime, the MLRO team and senior leaders, the role ensures EC risks are designed in, evidenced and operating effectively. A strong role holder will make a significant difference by driving delivery momentum, providing clear risk insight, coordinating CCO contributions to bank‑wide assessments, and ensuring issues are addressed promptly, with appropriate escalation and strong follow‑through. What you'll bring - Deep expertise across Economic Crime risk areas (AML/CTF, Sanctions and ABC), providing authoritative first‑line guidance, challenge and delivery leadership within CCO. - Proven ability to operate independently, leading complex financial‑crime activity end‑to‑end while maintaining momentum and effective escalation. - Strong stakeholder influence skills, providing expert risk‑based insight and constructive challenge to senior leaders and decision‑makers. - Experience embedding EC requirements into customer journeys, products, processes and digital design, ensuring controls are effective and evidenced. - Demonstrated capability managing financial‑crime MI, KRIs and KPIs, delivering clear insight and driving corrective actions to completion. - Experience coordinating bank‑wide and CCO‑level risk activity, including BWRA, CRA delivery and regulatory change impacts. - Strong governance and control oversight, addressing audit, QC, supplier and intermediary risk findings and ensuring remediation is delivered. - Ability to act as a trusted interface with Financial Crime and the MLRO, providing expert recommendations, supporting escalations and ensuring effective collaboration What we offer in return - Hybrid and flexible working arrangements to support a healthy work/life balance. - An attractive reward and benefits package through myTSB, giving you more of what matters to you. - A diverse, energising, and collaborative working environment. - A career that's enriching and full of opportunities. So, if this sounds up your street, come join our team, we make things happen! #Li-GN1 Inclusion matters at TSB. We want everyone to feel at home-whatever their background. Diverse teams help us deliver Money Confidence, for everyone, every day. Not sure you meet every requirement? If you tick some boxes and bring curiosity and openness, we'd love to hear from you. TSB is a Disability Confident Leader, if you meet the minimum criteria, we'll ensure you're considered. Please also let us know what adjustments you'd benefit from throughout our process.

• The KYC & Risk Agent role is responsible for performing Know Your Customer checks by verifying player documentation across our licenses. • Act as approver and first point of contact for queries related to player KYC, risk and documentation. • Focus on player accounts reaching defined thresholds and report any suspicions to Management, MLRO, or other Key Stakeholders in the business. • Use systems and tools to verify the authenticity of player documentation. • Work closely with Player Payments Agents to ensure processing of player payments are performed accurately and in a timely manner. • Conduct on-going monitoring on player accounts to ensure their level of gaming remains affordable. • Spot patterns which could highlight potential risk gambling problems, money laundering, and criminal terrorism financing and report these to the appropriate channel. • Liaise with players via email in a sensitive and appropriate manner.

• Support AML and financial crime detection activities for a high‑visibility compliance programme. • Focus on transaction monitoring, alert investigation, risk escalation, and suspicious activity assessments in alignment with regulatory expectations. • Perform first‑level AML transaction monitoring alert reviews to distinguish false positives from genuine concerns. • Conduct initial triage of transaction monitoring alerts and assess transactional behaviour against known typologies. • Manage multiple queues of transaction and account screening alerts with accuracy and efficiency. • Handle post‑processing activities for alerts potentially linked to SAR/STR obligations under §43 of the German AML Act (GwG). • Review customer profiles, transactional histories and red‑flag indicators to determine risk relevance. • Escalate potential Suspicious Activity Reports (SARs) to senior team members in line with regulatory requirements. • Document clear, defensible rationales for alert clearance and escalation decisions. • Maintain high productivity while meeting strict quality, regulatory and audit standards. • Contribute to identifying rule gaps, control weaknesses and potential enhancements to monitoring frameworks. • Record investigations, decisions and outcomes accurately in required systems (e.g. LOCS).

• Support and strengthen Reap's AML/CFT program across customer due diligence (CDD) and transaction monitoring (TM) • Review and provide guidance on complex CDD escalations, including SCDD and EDD cases — high-risk clients, complex ownership structures, ambiguous source of wealth/funds scenarios • Oversee TM alerts, investigations, and escalation patterns; assess monitoring effectiveness by identifying detection gaps, false positive rates, and alert-to-STR conversion trends • Support review of STR-triggering scenarios across onboarding and transaction monitoring; ensure consistency in decision rationale and documentation • Translate recurring case patterns into clear internal guidelines, improved risk frameworks, and enhanced CDD standards and escalation thresholds • Act as a key bridge between FCC (2nd line) and FCO (1st line): guide analysts on decision-making, improve escalation quality and consistency • Support development of financial crime dashboards and reporting, including alert trends, risk exposure by product/geography, and STR conversion ratios • Collaborate cross-functionally with product, engineering, and operations teams on monitoring tools, workflows, and SLAs • Leverage AI tools (e.g. Claude, n8n, Zapier) to improve investigation efficiency, reduce manual workload, and enhance documentation