Client Onboarding Senior Associate (AML)

Since 2015, we’ve empowered entrepreneurs with over £13 bn in funding, fuelling the creation of 56,000+ jobs and 34,000+ new homes across the UK and US. At OakNorth, we’re on a mission to help ambitious businesses thrive—and our Client Onboarding team is at the heart of that journey.
This is more than just another job at a bank. It’s a unique opportunity to join a fast-growing, high-impact organisation that’s known for challenging the status quo. We’re not looking for cogs in a machine—we want self-starters, bold thinkers, and ambitious builders who are ready to forge their own career path while supporting some of the most inspiring business leaders in the UK.
As a Client Onboarding Senior Associate, you’ll play a vital role in delivering an exceptional experience to every new client—ensuring they’re onboarded efficiently, compliantly, and with a level of service that sets us apart. You’ll combine regulatory rigour with a genuine commitment to making every interaction count.

Responsibilities:

• We’re seeking a future team member to join our Client Onboarding function! As a Client Onboarding Senior Associate, you’ll be responsible for onboarding clients whilst adhering to regulatory requirements and ensuring a smooth and exceptional client experience.
In this role, you’ll make an impact in the following ways:
• Conduct AML/CFT Customer Due Diligence (CDD) reviews and risk assessments for both new-to-bank and existing customers.
• Oversee the AML/CDD elements of Business Banking account setup, ensuring compliance with all relevant regulations.
• Communicate and Collaborate effectively with OakNorth customers and internal stakeholders to deliver Customer Delight.
• Manage customer expectations through clear, proactive communication, ensuring both speed of delivery and are maintained.
• Operate in accordance with the Bank's Risk Management Framework and relevant compliance policies, escalating issues promptly to the line manager as required.
• Mentor and supervise junior members of the Client Onboarding team, providing guidance and support to develop their skills.
• Identify and recommend process improvements to enhance efficiency and service quality.
• Perform BAU (business-as-usual) and ad hoc administrative tasks to support team objectives.

What we're looking for:

• Experience working in the financial service sector (ideally in commercial lending or banking) minimum of 5 years’ experience.
• Working knowledge of unpacking complex corporate structures with connections to non-transparent jurisdictions including Trusts and funds in overseas jurisdictions (BVI, Channel Islands, Cayman Islands etc);
• Carry out tasks independently
• Excellent understanding and experience of AML/KYC, CDD/EDD.
• Quick learner and ability to work in a fast-paced environment whilst maintaining meticulous attention to detail.
• Strong interpersonal and exemplary communication skills (written as well as verbal).
• Enjoys working in a team environment.
• Can prioritise and manage workflows and multi-task.
• Resilience and the ability to work under pressure and to pressing deadlines/SLAs.
• Desire to go the extra mile to delight our customers.

Nice to haves:
• Advanced excel knowledge.
• ICA/ACAMs Qualification
• Working knowledge of AEOI & FSCS requirements.
• Experience working with private equity/real estate investment vehicles.
• Ability to understand financial statements. 

Benefits & Perks

• Equity. We want people to have a stake in the business so that all our interests are aligned.
• 25 days holiday
• Personalized benefits – opt-in to what matters to you
• Subsidised Private Medical Insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events
• In-house Barista Bar in London office
• Support causes that matter to you – Volunteering time off
• Salary sacrifice schemes (Cycle to work, nursery, gym, electric car scheme)