We are Creditspring, a new way of borrowing that focuses on its members and provides them with safe and efficient short-term financial products.
We're a fast-growing FCA-regulated consumer credit company. We have members, not customers and we take a lot of pride in that!
As one of the UK’s only subscription finance company in the market, we truly have a unique value proposition. Our mission is very clear; to improve the financial stability and resilience of our members. We do this through the products we provide, the partnerships we have, and our educational content. We want our members, and everyone in the UK to be able to better manage their finances and steer them away from high-cost, unregulated credit options.
About the role
The aim of this role is to lead and strengthen Creditspring’s financial crime framework by managing day-to-day fraud, AML, sanctions and investigation activity, maintaining effective controls and policies, supporting the MLRO, and providing oversight, insight and stakeholder engagement to protect the business from financial crime risk.
The role is in the Compliance function at Creditspring and reporting to the Head of Compliance and MLRO.
Responsibilities
The core duties and responsibilities of this role include the following:
Lead fraud and financial crime team which includes CDD including AML and sanctions screening, reviewing internal suspicious activity reports, fraud investigations, and engaging with law enforcement and other government bodies
Keep policies, procedures and risk assessments up to date in line with regulatory requirements and business changes.
Hands on role approach to investigation and resolution of more complex fraud and financial crime matters
Support financial crime training and awareness to relevant staff and promote a strong compliance culture.
Support the Head of Compliance MLRO in maintaining the firm’s AML, CTF, sanctions, anti-bribery and fraud control framework
Perform quality assurance and oversight of investigations, onboarding checks, alerts and case handling
Provide management information and reporting to the MLRO and relevant governance forums on incidents, trends, breaches and control effectiveness.
Carry out root cause analysis and provide insight to internal departments to support improve processes or amend policy rules as appropriate.
Liaise with external stakeholders such as law enforcement, government departments and third party’s where appropriate.
Assist with Suspicious Activity Report preparation and submission where required
Act as a deputy or delegate for the MLRO on relevant operational matters where appropriate.
Adhoc tasks as agreed with line or senior management
What you'll need to succeed
Essential:
A minimum of 5 years’ experience across compliance, financial crime and AML in financial services
Strong knowledge of UK fraud and financial crime laws and regulations
Proven experience in managing a financial crime team
Excellent stakeholder management and communication skills.
Desirable:
Experience in consumer lending
Relevant professional certifications (e.g., ICA, ACAMS, or similar)
Don’t meet all the listed requirements? Research shows that women and people of underrepresented groups often don't apply for jobs unless they're 100% qualified. As an equal opportunities employer, we know that diversity is a key part of our teams' successes - so if your experience doesn’t fit perfectly but this role excites you, we’d love for you to apply. We’re committed to Creditspring being an inclusive environment where employees feel welcomed, valued and listened to; we want you to thrive as your true self.
Please note that the People Team is contactable only via people@creditspring.co Unsolicited emails to other team members will not be actioned
Creditspring is an FCA-regulated, responsible lender, providing a new way to access credit through a model everyone is familiar with: subscription finance.
This new approach to lending makes it fairer, safer and easier to understand. By paying a small, fixed monthly fee, Creditspring members can access up to two no-interest loans per year. The innovative model allows members to know exactly how much they will pay the moment they apply. This eliminates confusing APRs, hidden charges and, even more importantly, the risk of debt spiralling.
More than just providing loans, Creditspring’s custom tools and tips come as standard in all memberships to help members reach better financial stability.
For its pioneering work, Creditspring has been awarded multiple distinctions including as finalist in Nesta Challenges’ Open Up 2020 Challenge, Best Consumer Credit Product at Credit Awards 2024, Responsible Lender of the Year at Credit & Collections Industry Awards 2024 and ranked 12th in The Sunday Times 100 Tech 2025. Creditspring has also been named in the Sifted 100 UK & Ireland (2025) Leaderboard, recognising the fastest growing startups.
