About Lorum
Global payments are not broken. Incentives are. Clearing has been deprioritised inside balance‑sheet driven institutions whose models rely on lending and interest. When liquidity takes priority over settlement, payments slow and certainty drops. The same financial institutions that distort clearing as providers are disadvantaged as users. They are forced into fragmented setups, inconsistent rails, duplicated compliance, and unpredictable timelines. Stablecoin shortcuts and treasury pooling treat symptoms at the surface, but almost no one is rebuilding the underlying infrastructure in each market.
Rebuilding clearing from the ground up
We are rebuilding clearing as its own specialist function. We act as a clearing and transaction banking partner for regulated institutions, with treasury built into the core so liquidity, settlement, and reconciliation sit in one controlled system.
Our platform unifies global and local licenses, direct central bank clearing, and domestic rails. We allow clients to open named customer accounts in every market we operate, collecting funds and paying out through a single network while retaining full ownership of their customer relationships. Market expansion becomes as simple as one correspondent relationship, not hundreds.
Why Lorum
Joining Lorum means contributing to one of the most ambitious clearing infrastructure projects in global finance. You will help shape settlement systems that perform under real regulatory standards and institutional volumes. You will build for regulated institutions that rely on precision, predictable timelines, and regulatory integrity. It is about working across currencies, markets, and supervisory frameworks to deliver reliable, final settlement.
About The Role
To manage and execute the KYB and Ongoing Due Diligence (ODD) lifecycle for Financial Institutions (FIs) and MSBs. The role is responsible for the operational implementation of the Global Compliance Policy through automated systems, ensuring that inherent risks identified in the EWRA are mitigated to target residual levels.
Key Responsibilities
Operational Execution (KYB/ODD)
- End‑to‑end processing of high‑complexity KYB files for FIs, MSBs, and Correspondent Banks.
- Managing the ODD pipeline through trigger‑based events rather than periodic cycles.
- Acting as the primary escalation point for the KYB team on risk‑based decision‑making.
Systems & Process Automation
- Configuration and maintenance of the onboarding stack (Dotfile or similar).
- Management of AI‑driven document extraction (Prompt Engineering) and data validation.
- Designing and maintaining Salesforce Flow logic to ensure data integrity and audit trails.
- Orchestrating the data handshake between onboarding (KYB) and monitoring (Flagright).
Risk & Governance (1LoD)
- Translating the Enterprise‑Wide Risk Assessment (EWRA) into technical system triggers and risk scoring rules.
- Ownership of the Rule Lifecycle Policy: Drafting, implementation testing (UAT), and decommissioning of automated rules.
- Conducting regular implementation testing to ensure system logic matches written policy (Policy vs. Logic Audit).
Key Performance Indicators (KPIs)
- Throughput: Maintenance of personal case volume during high‑growth periods.
- Automation Rate: Reduction of manual touchpoints in the ODD process through trigger‑based logic.
- Audit Readiness: Zero material findings in regulatory examinations regarding the execution of 1LoD controls.
Ideal candidate
- Must‑Haves
- Regulatory Knowledge: Deep understanding of FCA, FinCEN, and DFSA requirements for Financial Institutions.
- Risk Methodology: Proven ability to map Inherent Risk to Residual Risk through technical controls.
- Technical Stack: Salesforce Service Cloud (Flows, Mapping, Reporting).
- Automated KYB/Case Management Platforms.
- Risk/Transaction Monitoring Engines.
- Data Literacy: Ability to interpret transaction patterns and entity data to inform automated risk‑rule tuning.
Benefits
- Opportunity to travel (if applicable)
- Flexible vacation policy
- Private Healthcare
- Employee stock ownership (ESOP)
- Flexible working and autonomy
- Pay it forward days – we offer 2 annual pay it forward days where you can take time to volunteer for a charitable cause that is important to you.
- Wellness days – we believe you can only work your best when you feel your best, and we know working at Lorum is intense, so we offer 3 wellness days every quarter where you can take time to re‑energise.
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