Team Description The Financial Crime team (Regulation) forms part of the Firm's second line of defence and oversees all aspects of financial crime management, including Anti-Money Laundering (AML), Counter Terrorist Financing (CTF), Anti-Bribery and Corruption (ABC), Sanctions and Fraud for the bank The team's primary responsibilities include: Establishing a robust framework to prevent, detect, investigate, and report financial crime risks. Ensuring comprehensive financial crime policies and procedures are maintained and embedded within the business, in line with legal and regulatory requirements. Supporting the business in implementing effective systems and controls to manage financial crime risks. Ensuring all relevant staff receive appropriate financial crime training. Providing financial crime-related management information to Senior Management, highlighting relevant risks as needed. Positioning the team as a trusted control function dedicated to protecting the Firm from financial crime risks. Description of role and key responsibilities To be part of a team that ensures the Financial Crime responsibilities comply with all relevant regulations. In particular to assist in: Policy Develop, maintain and implement effective fraud risk management policies and standards covering internal and external fraud, APP fraud, cyber-enabled fraud, mule accounts, and identity theft. Ensure fraud-related regulatory and legislative developments (e.g., FCA expectations on fraud prevention, APP fraud guidance, UK Finance best practice) are identified and policies updated promptly. Benchmark fraud policies and frameworks against industry peers to ensure best practice alignment. Risk Assessments Maintaining effective risk assessments of AML, CTF, ABC, Sanctions, Tax Evasion, and Fraud in conjunction with the business and Operational Risk to enable a risk-based approach to the management of Financial Crime risk within the firm Where appropriate attend relevant fora/committees to enable timely identification of potential risks to the Financial Crime system of controls. Maintain the Fraud Risk Assessment framework, ensuring all key fraud typologies and scenarios are considered across business lines, client lifecycle stages, and digital channels. Coordinate Risk and Control Self-Assessments (RCSAs) for fraud, ensuring risks are accurately identified, controls documented, and effectiveness tested. Partner with business units to embed ownership of fraud risks and controls within the first line of defence. Ensure assessment outputs are used to inform risk appetite, policy development, monitoring, and resource prioritisation. Present findings and control gaps to senior committees, recommending enhancements and tracking remediation actions. Training Develop and deliver effective training programmes and content for Fraud, including the roll out of ace to face training to ensure staff have an adequate awareness of Financial Crime risks. Provide practical case studies and guidance to ensure staff can recognise and respond to fraud threats. Providing advice when required on Fraud related regulation and the firms related policies. Projects Where appropriate, participate in or lead financial crime work streams/projects, including but not limited to AML, ABC, Sanctions and Fraud. Maintain a financial crime development roadmap to ensure processes and technology evolve in line with regulatory expectations, emerging risks and financial crime trends, including fraud detection, prevention, and response strategies. General Build strong working relationships with other fraud and financial crime resources across the bank Encouraging a culture of openness, accountability, and fraud awareness across the business. Participation as part of the wider Financial Crime team to ensure that the whole team's objectives are achieved.