Title: Head of Financial Crime Operations (Central London) Location: London England GB Job Description: Please note: This is a single position. We are considering candidates from both our London and Manchester locations, so you may see this role advertised for either. There is only one role available, and we welcome applications from candidates based in or able to work from either location. What We’re All About at Kroo At Kroo Bank, we're building a better bank from the ground up. One that puts customers first, treats money responsibly, and uses technology to make everyday banking simpler, fairer and more transparent. We're a fully regulated UK bank, backed by long-term investors, with a growing customer base and big ambitions. We move fast, think carefully, and hold ourselves to high standards, whether that's how we build products, manage risk, or look after our people. How you will contribute and key responsibilities: As the Head of Financial Crime Operations, you will lead, inspire and oversee all Financial Crime operational functions across the bank, including KYC, AML, Transaction Monitoring, Fraud, Quality, Strategy and Controls. The core purpose of the role is the outstanding management of a complex, high volume operation, ensuring the department consistently meets its Service Level Agreements while robustly managing regulatory and operational risks. You will be a brilliant people leader, motivating, mentoring and developing a diverse team of financial crime professionals and fostering a supportive, high performing culture. While your primary focus is operational excellence and leadership, you will also support our technology journey, drawing on knowledge of financial crime technology and experience managing third party platform providers to collaborate effectively with product and engineering teams. Other responsibilities include: - Lead and inspire the KYC, AML, Transaction Monitoring, Fraud, Quality, Strategy and Controls teams, ensuring clear direction and professional development across all levels. - Manage daily operations to ensure all tasks are executed within agreed SLAs and quality standards, maintaining maximum efficiency without compromising compliance. - Build and maintain highly collaborative partnerships across the bank, particularly with Customer Service Operations to ensure seamless customer journeys, and the Second Line of Defence to ensure absolute alignment with risk appetite and policy. - Act as a key bridge between first line operations and the Second Line of Defence, translating risk policies into clear, actionable operational processes. - Cultivate a culture of continuous learning, motivation, and career progression, ensuring team members are supported, engaged, and highly skilled. - Serve as the senior escalation point for complex financial crime cases, applying sound, risk based judgement to resolve difficult scenarios. - Monitor and report on key operational metrics, SLAs, and risk indicators, providing clear and actionable management information to senior leadership. - Ensure operational frameworks, processes, and controls are robust, audit ready, and continuously optimised to address emerging financial crime risks. - Support financial crime change and transformation initiatives, collaborating with product and technology teams to help shape system enhancements and automated workflows. - Manage key relationships with third party financial crime technology and service providers to ensure service delivery aligns with Kroo Bank standards. - Support the Chief Operating Officer and MLRO in representing the bank's operational financial crime framework to regulators, auditors, and external partners. - Ensure effective resource planning, capacity management, and workload prioritisation across all financial crime teams to support business growth. - Other duties as assigned to meet business needs. Requirements Skills • Ability to lead and inspire multiple teams across different financial crime disciplines. • Ability to design and implement scalable financial crime frameworks and operational strategies. • Ability to interpret and apply complex regulatory requirements within a fast paced environment. • Ability to make high impact decisions within the bank's risk appetite and governance structure. • Ability to oversee and enhance transaction monitoring, investigations, and fraud prevention systems. • Ability to communicate effectively with executive stakeholders including the COO and MLRO. • Ability to analyse complex data, identify emerging risks, and implement proactive mitigation strategies. • Ability to manage competing priorities and drive operational efficiency across large functions. • Ability to influence stakeholders and embed a strong financial crime culture across the organisation. • Ability to produce clear, concise, and high quality reporting for senior management and regulators. Qualifications • Professional certification in financial crime or compliance such as ICA, ACAMS, or equivalent would be ideal but not essential. • Strong working knowledge of UK regulatory frameworks including FCA expectations and the Proceeds of Crime Act. • Significant experience in financial crime operations within banking, fintech, or financial services. • Demonstrable experience operating at senior leadership level within AML, Fraud, or Financial Crime functions. • Experience managing multiple financial crime disciplines including AML, transaction monitoring, investigations, and fraud. • Proven experience engaging with regulators, auditors, and external stakeholders. • Evidence of leading large teams and managing senior managers or team leads. About Our Process: We want every candidate to have a clear and positive experience, so here is an outline of what to expect. Our interview process for this role consists of the following stages: 1. People screen: an initial conversation with our People team to talk through your experience, the role, and what you are looking for. 2. Interview with the existing Head of Financial Crime and a Senior Financial Crime Manager, focusing on your operational and leadership experience. 3. Interview with the Chief Operating Officer, exploring strategic fit and your approach to leading at a senior level. 4. Final stage with our Second Line of Defence and the wider team, looking at alignment with risk appetite and how you would collaborate across the bank. Benefits What we offer: At our cutting-edge fintech company, we know that attracting and retaining the best talent means offering top-notch benefits that help our employees thrive both in and outside of work. Check out what we currently offer: - Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday. - Personal days: We know that life can be unpredictable, so we offer 3 personal days to use as needed. - Employer-sponsored volunteer program: We're passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time. - Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner. - Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top-up. - Top-notch equipment: We provide top-of-the-line equipment necessary for smooth hybrid work, including a MacBook laptop. Additionally, we also offer support in establishing your home office by contributing towards your setup if required. - Modern office: When you're in the office, you'll enjoy access to our modern, bustling workspace in Central London. - Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme. - Electric Car scheme: We're committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same. - Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families. - Room for growth: As a fast-paced, high-growth start-up, we're dedicated to providing our employees with room to grow and excel. - You get full healthcare for you and your nuclear family via Vitality. Hybrid Working: At Kroo Bank, we have a hybrid policy that combines working from the office with working from home, giving individuals and teams a good level of flexibility. The ideal candidate will be able to work from the office relatively regularly, as we do need a presence in the office. Working hours for this role are Monday to Friday, 9am to 5:30pm.

• Responsible for owning, governing, and continuously enhancing the Bank's AML/CFT and Financial Crimes Compliance training program • Establishes and maintains a risk-based training framework aligned to regulatory expectations, enterprise risk assessments, and the Bank's control environment • Ensures training operates as a key component of the organization's FCC compliance risk management program • Accountable for training program effectiveness, regulatory alignment, and audit and regulatory examination readiness • Partners with senior stakeholders across Compliance, Risk, People & Culture, and business lines

• Conduct AML and Responsible Gaming reviews in line with internal policies and regulations. • Perform KYC, CDD, and EDD checks and assess customer risk profiles. • Monitor customer activity and transactions, identifying unusual or suspicious behaviour. • Review customer accounts, investigate cases, and escalate where necessary. • Process withdrawal requests and payment-related checks. • Support responsible gaming interactions and account restrictions. • Maintain accurate records and case documentation. • Communicate effectively with customers and internal stakeholders. • Provide occasional support for customer service enquiries via email. • Assist with operational projects and process improvements.

Role Description Are you interested in joining one of the fastest growing consulting and accounting firms in the country? Would you like the ability to join a highly dynamic team focused on providing exceptional client service in the areas of risk and advisory? If yes, consider joining Baker Tilly (BT) as a Managing Director! Our Risk Advisory practice provides a full spectrum of services to help our public sector clients assess their risks, develop strategies to compete in an ever-changing business environment, and achieve their goals and objectives. All of this is accomplished through deep industry knowledge of risk, governance, internal audit, compliance, IT, and cybersecurity best practices. As one of the fastest growing firms in the nation, BT has the ability to offer you: - Upward career trajectory - Flexibility in how and where you get your work done - Meaningful relationships with clients, teammates, and leadership who truly care about you and your development What you will do: - Provide leadership, management, and strategic direction with a focus on providing an exceptional client service experience. - Translate firm vision and strategy into an actionable business plan, provide specific objectives to be accomplished, and monitor progress. - Team with marketing to develop sales and marketing plans, investigate and pursue areas for expansion of services within existing client base while also pursuing new clients, actively participate in proposals. - Coordinate firm resources to ensure the best products and services are provided to clients. - Ensure your team members are provided with meaningful training and development opportunities. - Oversee the profitability of the practice to include effective utilization of personnel, appropriate rates for services provided, and timely collection of fees. - Work closely with client executives and management teams to understand their businesses and assist in identifying and managing financial and operational risks. - Develop in-depth knowledge of clients’ businesses and industries by having direct client interaction. - Provide strategic business advice to clients by assisting in the implementation of new processes and controls that address key risks. - Assess, manage, and optimize business risk across a wide range of areas, including operational audit, enterprise risk management (ERM), and SOX compliance. - Review clients' processes and controls against industry frameworks, identifying gaps in design and execution. - Be responsible for significant new business development, including identifying, sourcing, pursuing, and winning risk advisory opportunities. - Produce comprehensive executive summaries and final reports for delivery to the client. - Act as a valued business advisor, build relationships, and communicate effectively with the client. - Lead professional and effective presentations to internal and external audiences. Qualifications - Bachelor’s Degree in Accounting, Accounting Information Systems, or related program. - CPA or CIA designation(s) required. - Ten (10)+ years of experience with risk advisory, internal/external audit, business process reengineering, and/or internal controls. - Five (5)+ years of supervisory experience, mentoring and counseling associates. - Successful track record of building and growing a Risk Advisory practice. - Proven track record of new business development. - Ability to lead and supervise others, provide exceptional client service, and demonstrate commitment to continuous learning. - Ability to travel as needed for client engagements. Requirements - Ability to see the "big picture" as well as the details. - Display appropriate ethical knowledge and commitment. - Exhibit a sense of urgency and commitment to quality and the timely completion of projects. Benefits - The compensation range for this role is $201,810 to $382,600. - Actual compensation is influenced by a variety of factors including but not limited to skills, experience, qualifications, and geographic location.