We’re on a mission to build the world’s greatest social bank. We believe that banking needs to change for the better. When money is used correctly, it can transform our daily lives and positively impact the planet.
We’re a varied team of experienced tech, customer experience, marketing, legal and banking professionals and we’re looking for highly motivated and inquisitive people who want to understand customer behavior and how to deliver the best customer experience.
We believe our people and culture are what makes Kroo different, so we’re keen to promote people development within the company so you’ll also get the chance to broaden your skill-set and experience. We work in cross-functional collaborative teams, so you’ll also work alongside our product teams and developers to improve the customer experience on a day-to-day basis as well as the wider organisation.
The Kroo is growing and we’d love to hear from you if you’re interested in joining us in our journey.
Here’s what you will be doing:
• Performing risk assessments on new personal account applications
• Obtaining information and supporting documentation to complete KYC due diligence
• Cross-reference and confirm customer documentation, using both internal and external sources
• Understanding and overseeing the identification of high-risk applications (including PEP’s and sanction matches)
• Identifying trends and unusual activity, and reporting where appropriate
• Performing due diligence on customer documentation using internal and external sources (such as CIFAS)
• Ongoing monitoring of our existing customer database
We’re looking for someone who:
• Has strong attention to detail
• Has knowledge and experience of the regulatory requirements of KYC
• Has experience in reviewing ID&V documents
• Has an understanding of CIFAS
• Has the ability to analyse, evaluate and mitigate the financial crime risks associated with onboarding
• Can demonstrate experience of undertaking due diligence and client onboarding, as well as a strong understanding of banking regulations and compliance guidelines
What we offer:
• 33 days holiday (including public holidays). In addition, you’ll also get your birthday on us
• Options in our company scheme
• Personal Health days
• Access to our workplace pension with a 3% employer contribution
• After 1 year, access to £500 from the Kroo Learning Fund for career-related L&D
• All the equipment you need to work effectively, usually a Macbook Pro as standard
• Access to a modern, bustling office in Central Manchester.
• High degree of autonomy with support from an experienced and supportive team
• Room to grow and excel within a fast paced, high grow growing start-up
• An ethically conscious company that is truly trying to change the what's most broken about the industry
Office/remote working
Currently, the majority of Kroo is working fully remotely. Working remotely has changed many of our lives for the better and we are behind in continuing the benefits of flexibility once restrictions are lifted. At the same time, we have a beautiful office in Manchester, which, when used for the right things, can be a useful and powerful tool. Currently, we see a blended model of working 1 day a week in the office, so candidates that are able to travel in occasionally are the best fit for our current working practices. Please note: Our ambition is to be a truly 24/7 customer-focused bank. In order to achieve this, you'll be working shifts across 5 days (Monday - Sunday) and 37.5 hours per week. The shifts will be provided well in advance, but typically range between 6am - 10pm.
Diversity and Inclusion:
We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.
To all Recruitment Agencies:
At Kroo Bank, agency resumes are strictly prohibited. Do not submit agency resumes or forward them to our job advertisements or Kroo Bank employees. Be aware that Kroo Bank will not assume any responsibility for fees incurred due to unsolicited resumes.
To ensure a fair and efficient application process, all candidates are kindly requested to submit their applications directly through the advertised platform. We kindly ask that you refrain from reaching out to the company or its employees via email, LinkedIn, or any other communication channels for inquiries or updates. Please note that any attempts to contact us through these channels will not receive a response. Thank you for your understanding and cooperation.
Apply on company website Manchester, United Kingdom Hybrid Full-time
apply is hiring a KYC Onboarding Specialist
About company
At Kroo Bank, we’re building the future of banking with modern technology and a culture that values innovation, collaboration, and impact. Unlike traditional banks or outsourcing firms, our engineers shape real products used by thousands of customers every day in the UK.
Why join us?
- Be part of a new generation UK bank. Kroo was awarded a full UK banking licence in 2022, making us one of only a handful of fintechs to achieve this milestone.
- We’re one of the fastest-growing banks in the UK, reaching £1 billion in deposits faster than any of our peers, with 200,000+ customer accounts and growing every day.
- Work with a modern stack: Clojure, React Native, Kafka, AWS, Docker, Terraform.
- Practise or learn functional programming (we’ll support you even if you’re new to it).
- Be part of a cross-functional squad where engineers, designers, testers and product managers collaborate as equals.
- Permanent employment contract in Romania, 100% remote, with flexible hours and a healthy work-life balance.
- Competitive salary and stock options, so you share in the success of the company.
- Join a young, dynamic, and mission-driven organisation where your work directly shapes how people bank in the UK.
What you’ll do
- Build and deliver new features end-to-end, from idea to production, in a modern CI/CD environment.
- Work across the stack including backend microservices (Clojure, Kafka, AWS, Postgress) to frontend (React Native). We offer opportunities to specialise or grow as a full-stack engineer.
- Collaborate daily with product, design, and engineering colleagues to ship customer-facing features in an agile environment based on Kanban and XP practises such as pair programming and test driven development.
- Write clean, maintainable, and testable code, and participate in code reviews.
- Contribute to system design discussions and bring ideas to improve scalability and resilience.
- Keep learning, diving deeper into banking products, functional programming, mobile frameworks, or cloud infrastructure.
- Optionally, contribute back to open source and share knowledge with the wider engineering community.
What we’re looking for
- Professional experience in backend or mobile development (Clojure, Java, Kotlin, JavaScript/TypeScript, Swift, or any functional language is a plus).
- Interest in learning Clojure and functional programming.
- Familiarity with modern cloud environments (AWS preferred).
- Good communication skills in English and ability to work effectively in a distributed Agile team.
- A collaborative mindset and passion for building high-quality products
- Experience working in banking, fintech, or other highly regulated industries — understanding payments, compliance, or financial products is a plus.
About Our Process
We understand that competency is contextual, so throughout the process, we aim to gain an understanding of your experience and, if successful, to provide you with a role reflective of your demonstrated seniority. Our general interview process is as follows, but if your circumstances or timescales require, we can be flexible with its structure:
- 30-minute meet and greet with our Talent Acquisition Specialist via Google Hangouts
- 1-hour live coding exercise to work through a coding challenge with members of our development team via Google Hangouts
- 1-hour system design. This is an opportunity to showcase a system you’ve worked on in the past via Google Hangouts
- 30-minute opportunity to meet with our CTO and executives via Google Hangouts
Please let us know if you have any specific requirements or need assistance so we can be as accommodating as possible for you.
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:
- 20 days of annual leave
- Paid National 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.
- Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
- Top-notch equipment: We provide top-of-the-line equipment necessary for smooth hybrid work, including a MacBook laptop.
- Room for growth: As a fast-paced, high-growth start-up, we're dedicated to providing our employees with room to grow and excel.
Diversity and Inclusion:
We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.