US Client Onboarding Manager Role

What will you be doing:

• In this role, you’ll make an impact by:
• Undertaking AML Customer Due Diligence (CDD) reviews and customer risk assessments for new U.S. corporate lending clients.
• Managing the AML CDD component of U.S. commercial loan origination, ensuring onboarding aligns with lending timelines.
• Working collaboratively and side by side with the UK-based offshore onboarding team to deliver timely, accurate, and high-quality AML/KYC onboarding for U.S. lending clients.
• Managing customer and stakeholder expectations through clear, effective communication, while maintaining momentum and delivery at pace.
• Ensuring onboarding of U.S. lending clients complies with:
• UK AML regulations (MLR 2017 and JMLSG Guidance)
• U.S. AML/BSA expectations, including FinCEN requirements and relevant CIP standrads
• Conducting and reviewing beneficial ownership and control structure analysis, including complex U.S /international corporate structures.
• Ensuring appropriate screening against sanctions, PEPs, and adverse media, including U.S.-specific considerations.
• Acting as an escalation point for high-risk U.S. clients and lending structures.
• Identifying opportunities to improve onboarding processes and drive efficiency.
• Supporting the Lending Lead with transformation and change initiatives, aligned to the bank’s strategic plan.
• Completing BAU and ad hoc administrative tasks as required.

What We’re Looking For

• 5+ years’ experience in AML/KYC in client onboarding within a bank or regulated financial institution experience working with UK AML regulations (MLR 2017 and JMLSG Guidance) & U.S. AML/BSA expectations, including FinCEN requirements
• Experience onboarding U.S. corporate or commercial clients, ideally in a lending or credit environment.
• Strong experience analysing complex corporate structures, including exposure to non-transparent jurisdictions such as trusts and offshore funds (e.g. BVI, Channel Islands, Cayman Islands).
• Excellent understanding of AML/KYC requirements, including CDD and EDD.
• Familiarity with UK and U.S. sanctions regimes, including OFAC.

Skills & Attributes

• Strong analytical skills with the ability to research, assess risk, and summarise findings clearly and concisely.
• Excellent written and verbal communication skills, with confidence engaging internal and external stakeholders.
• Ability to work in a fast-paced environment while maintaining meticulous attention to detail.
• Proven ability to take ownership, prioritise effectively, and deliver consistently high-quality outcomes.
• Comfortable working to deadlines and service-level expectations.
• Resilient, adaptable, and calm under pressure.
• A collaborative team player with a strong customer-first mindset and a desire to go the extra mile.