Atombank

  • Durham, United Kingdom
Atombank Durham, NC, USA
Aug 15, 2019
Full time
Role description Accountable for the provision and run of all Atom environments, infrastructure, networks and applications from Dev, through Test and to Production and the single point of escalation on any issue covering environments and infrastructure. Experience of managing development, test and production environments in public cloud, preferably Google Cloud Platform, 3rd party managed (e.g. SAAS) and private datacentre environments. Key Accountabilities/Responsibilities: Designing Atom environments and strategy to meet project requirements Design and delivery of networking needed to connect Atom public cloud environments with SaaS & on-premises environments Configuration, scheduling and release management of environments Maintaining Atom owned environments, e.g. patching upgrades and managing public cloud (Google) costs Accountability for the creation and delivery to the infrastructure and environments plan across all Atom technology workstreams Technical vendor relationship management with all key vendors who are part of the Atom architecture Configuration Management of all environments Key Performance Indicators Delivery of Atom environments in-line with project delivery dates Atom public cloud (Google) costs managed in-line with budget Atom public cloud (Google) environments patched and upgrades in-line with operational and security requirements Clear view on risks & issues (with plans to mitigate and resolve) associated with infrastructure delivery Strong working relationship with Atom Leadership, Programme Delivery, DevOps/Architecture and Business Change teams Roll out of the Atom configuration management approach and delivery to it Essential Capabilities/experience Experience of managing, defining and delivering environments across public cloud (Google), 3rd party hosted (SaaS) and private data centres Proven Google Cloud Platform experience Understanding of compute, storage, data and networking technologies in both public cloud (Google) and data centre environments Self-directed, proactive, able to work on own initiative with a best practice approach Able to articulate technical issues (with environments) in terms of business risk and opportunity Management of small to medium-sized technical teams Desired Capabilities/Experience: Other public cloud platforms (e.g. AWS, Azure) experience
Atombank Durham, NC, USA
Aug 14, 2019
Full time
Role description Accountable for the provision and run of all Atom environments, infrastructure, networks and applications from Dev, through Test and to Production and the single point of escalation on any issue covering environments and infrastructure. Experience of managing development, test and production environments in public cloud, preferably Google Cloud Platform, 3rd party managed (e.g. SAAS) and private datacentre environments. Key Accountabilities/Responsibilities: Designing Atom environments and strategy to meet project requirements Design and delivery of networking needed to connect Atom public cloud environments with SaaS & on-premises environments Configuration, scheduling and release management of environments Maintaining Atom owned environments, e.g. patching upgrades and managing public cloud (Google) costs Accountability for the creation and delivery to the infrastructure and environments plan across all Atom technology workstreams Technical vendor relationship management with all key vendors who are part of the Atom architecture Configuration Management of all environments Key Performance Indicators Delivery of Atom environments in-line with project delivery dates Atom public cloud (Google) costs managed in-line with budget Atom public cloud (Google) environments patched and upgrades in-line with operational and security requirements Clear view on risks & issues (with plans to mitigate and resolve) associated with infrastructure delivery Strong working relationship with Atom Leadership, Programme Delivery, DevOps/Architecture and Business Change teams Roll out of the Atom configuration management approach and delivery to it Essential Capabilities/experience Experience of managing, defining and delivering environments across public cloud (Google), 3rd party hosted (SaaS) and private data centres Proven Google Cloud Platform experience Understanding of compute, storage, data and networking technologies in both public cloud (Google) and data centre environments Self-directed, proactive, able to work on own initiative with a best practice approach Able to articulate technical issues (with environments) in terms of business risk and opportunity Management of small to medium-sized technical teams Desired Capabilities/Experience: Other public cloud platforms (e.g. AWS, Azure) experience
Atombank Durham, NC, USA
Aug 06, 2019
Full time
Role description Atom is a digital bank, with a decision engine led, automation focused underwriting function. As an underwriter you will work as part of the Underwriting team and will ultimately be expected to support all forms of underwriting across retail and business banking (including but not limited to residential mortgages, portfolio buy to lets, commercial property investment and trading business lending). You will be responsible for reviewing and underwriting new lending applications, further advances and loan modifications in line with Atom lending criteria, procedures and controls, delivering balanced lending decisions in line with your mandated authority. You’ll be a strong communicator, able to interact effectively both face to face, and via a range of digital channels (e.g. phone, email, live chat) with a variety of stakeholder; from brokers, to customers, valuers, conveyancers and all levels of internal stakeholders. Don’t worry if you don’t have experience in all disciplines, as your development, lending mandate and reward can progress to cover all types of lending (aligned to business need), and so a desire to keep learning is really important. At Atom, we’re here to change the future of banking for good so we’ll also depend on you to identify ways we can improve our processes, enhance automation (especially in decisioning) , maximise broker and customer experience, improve controls and increase output. Key Accountabilities/responsibilities: Technical Capability Underwrite retail, commercial and buy to let (single and portfolio) lending applications, further advances and loan modifications in line with Atom’s lending policy, ensuring the principles of conduct risk, TCF, responsible lending and all relevant regulatory principles (e.g. MCOB, MCD, KYC, KYB, AML) are observed, detailed affordability assessments are complete and the principles of credit assessment models (e.g. CCC, CAMPARI) are applied. Operate within own personal lending mandate(s) and refer over mandate cases to appropriate mandate holders, or present to Credit Committee as required. Ensure that all correspondence, including identification, income documents, references and valuations, are in line with lending policy and provide sufficient evidence to satisfy KYC, KYB and AML requirements. Ensure that all applications are complete, with accurate data input to ensure automated decisioning and record keeping is correct. Full rationale for your lending decision must also documented on the lending system. Delivery quality Manage own caseload, handle underwriting queries and resolve issues on individual cases ensuring effective and timely processing in line with the relevant lending policy, procedures and service level expectations. Ensure personal and team KPIs are met (including decision quality, customer satisfaction, regulatory compliance and continuous improvement). Act fairly, reasonably and with integrity in all dealings with customers, intermediaries, Valuers and related 3rd parties (including Valuers and conveyancers). Communicate positively, proactively and effectively with customers, intermediaries and related 3rd parties to gather information to make appropriate decisions, explain rationale behind lending decisions and ensure that productive working relationships are maintained. Work effectively with colleagues from within the underwriting, risk, mortgages and other associated team ensuring that the working relationships improve credit quality and minimise decision appeals (getting it right first time). Continually improving Identify potential improvements to underwriting systems, policies, criteria and processes. Remain up to date with knowledge by reading professional publications, participating in professional organisations and maintaining personal networks. Management of own performance; and demonstrate proactivity in identifying and closing skills/ knowledge gaps. Maintain a thorough knowledge of all systems and procedures within the department to provide guidance and improve / update to ensure they are fit for purpose at all times. Undertake ad hoc work as directed by line manager from time to time. Qualifications: Educated to at least GCSE level, including Maths and English (essential) Higher education qualifications (desirable) Appropriate professional qualifications (e.g. Diploma in Business and Commercial Banking and Conduct, CeMAP) Key Performance Indicators: Quality: Satisfactory file review results from oversight of underwriting activity ensuring compliance with regulation, responsible lending policy, mandates and TCF principles. Personal underwriting losses kept within bank’s risk appetite. Customer Satisfaction:- Volume/nature of complaints kept within acceptable levels. Compliance - Up to date training record for completion of mandatory training. Service level delivery: Achieve agreed SLAs including metrics relating to decision / task turnaround time, first point of contact resolution and productivity. Continuous improvement:- Achieve agreed targets including metrics related to process enhancement and cost efficiency. Essential Capabilities/Experience: Considerable experience in (at least one of) prime residential mortgage lending, buy to let, commercial property lending, trading business lending. Held a commercial or residential lending mandate with delegated authority to approve outside lending policy applications. Able to demonstrate a strong and consistent track record of adherence to quality metrics in current role (e.g. QC benchmark met for a minimum of last 12m). Demonstrates a full understanding of the principles of Responsible Lending, Conduct Risk, TCF and FCA thematic reviews. Has a detailed understanding of KYC, KYB, AML and compliance related rules and regulations, mortgage fraud and the measures/systems in place to avoid it. Holds a good understanding of the intermediated lending market, related FCA permissions and the principles of Responsible Lending, TCF and FCA thematic reviews. Is familiar with credit bureau data and its interpretation. Is familiar with, and able to apply, relevant lending law and practice. Demonstrates Strong verbal and non-verbal communication skills. Is a go-getter - proactive, hardworking, flexible and able to work under own initiative. Confident, assertive and pragmatic approach with ability to exercise judgement and discretion where appropriate. Experience working in a dynamic, fast paced and customer centric environment. Desired Capabilities/Experience: Prior experience/knowledge of underwriting unsecured lending. Prior experience/knowledge of commercial underwriting. Flexible and agile with ability to multitask. Higher education qualifications. Appropriate professional qualifications.
Atombank Durham, NC, USA
Jul 18, 2019
Full time
Role description Atom is a digital bank, which brings with it a set of risks from a security perspective. This role will work within the Security Team, to protect, detect, respond and recover to Atom’s customers, brand, people and reputation. The role holder must be an advocate of best in class security practice with the ability to influence at all levels, provide practical advice and guidance and remain approachable to all of Atoms people. The role holder will support Atom to ensure that security is in-line with various security standards, applicable to legal, regulatory and best practice frameworks relating to banking standards. The role requires a broad understanding of Information security with some experience in a similar role. Key Accountabilities/Responsibilities Support the development of the Security Framework for Atom Assisting with Third party security assessments Engagement and support all activities that Atom will undertake Understanding of General Data Protection Regulation (GDPR) Supporting with scoping, conducting and assessing complex penetration testing; e.g. to CREST, CHECK or CBEST standards or handcrafting application exploits Looking at Security Threat and converting this to a material impact Collaborate on appropriate training requirement General audit and risk assessment support Regular report generation and presentation Acquire and maintain knowledge of relevant industry trends, and product offerings Help to raise awareness of security within Atom through various communication exercises Ensure the Atom security policy is communicated to and followed by all staff and assist management with investigation of breaches Key Performance Indicators Partner due diligence assurance Security assessments to maintain alignment with industry benchmarks and compliance Pentest/Vulnerability management maintenance and improvement Design and deliver company wide security awareness program Risk assessment and management Partner relationship management Essential Capabilities/experience Experience within an Information security environment Experience of security governance Good project management and consulting skills Knowledge of implementing and monitoring performance against the NIST, IS027001 standards and audit process. An appreciation of the PCI standard and audit process. Strong written and verbal communication skills with ability to adapt style to suit audience Excellent interpersonal skills with ability to build, develop and maintain relationships across all levels Strong attention to detail Excellent influencing skills Confident, assertive and pragmatic approach with ability to exercise judgment and discretion where appropriate Highly organised, with ability to work under pressure and to tight deadline Flexible team player who can work autonomously Desired Capabilities/Experience: Business Continuity Resilience Initiative, Resourceful Flexibility and Agility. Able to multi-task and deliver Results orientated Third party management skills Relevant industry qualification or experience, i.e. diploma/masters in information security, CCSA, SSCA, CISM, CISSP or equivalent.
Atombank Durham, NC, USA
Jul 10, 2019
Full time
Role description You may have heard of us, we are Atom, a completely digital bank with no branches on the high street and no traditional banking website. We are developing a mobile app that allows you to do your banking wherever you are, whenever you want. As part of our technology we are developing a middleware layer which services our mobile app and will extend to be the foundation for our bank. We have an opportunity for a permanent developer to join our growing middleware team, were you will work alongside the Architecture, App Dev and Testing teams as well as third parties, playing an important role in building and supporting our middleware. Key Accountabilities/Responsibilities: You will be responsible for developing various APIs/Services integrating with a number of internal/external backend systems using Mulesoft and appropriate SW languages/tools You will design and develop data models/structures and API contracts, data transforms, algorithms using appropriate SW languages/tools You will be responsible for maintaining all associated design and document artefacts You will ensure that and developed components have the appropriate level of quality and governance (version control, documentation, unit testing You will be responsible for resolving QA defects by working closely with the App Dev and Test teams You will work closely with third parties to facilitate integration and smoke testing You will play an active role in the Middleware support rota and ensure appropriate handling and resolution of any live defects You will take part in daily stand-ups to report your progress, current focus, and any blockers Qualifications: A Bachelor’s degree in computer science or a related field with a minimum of 3 years relevant experience, OR relevance vocational qualification(s) with a minimum of 3 years relevant experience Key Performance Indicators: Accurate development estimates Quality and ideally defect-free development output Production of accurate documentation and design artefacts Effective triage and resolution of QA defects and Production issues Effective collaboration with all internal and external teams Contribution to technical standards and design decisions Effective time management, good resilience and drive Essential Capabilities/Experience: 3 years C-like language development experience in an Agile development environment Hands-on ESB/Integration development experience using Mulesoft or similar platform, RESTful APIs with consideration of Unit Testing and Security principles Hands-on integration experience using SOAP/REST/ XML/related technologies Experience of securing APIs and developing to secured endpoints using a variety of methods including but not limited to credentials, certificates, tokens Experience of working closely with third parties and external systems Clear communicator both written and verbally Desired Capabilities/Experience: Desired Capabilities/Experience: Mule certification Middleware/ESB/Integration best practice TDD/BDD experience Technical Solution Design, and Technical Documentation experience Improvisation and thinking outside the box to solve complex technical challenges Working in a complex multi-vendor solution environment Financial Services or regulated industry experience Experience of functioning in the capacity of 3rd line support REST API modelling language experience (RAML, JAML, other) Experience in ESB service integration JAVA/C# .NET programming language experience
Atombank Durham, NC, USA
Jul 09, 2019
Full time
Role description A Data Analyst / Engineer is required to work in the Data Management team within a data driven digital bank. Atom Bank are currently developing a new data architecture to support their current and future needs and objectives. The Data Analyst / Engineer will be required to build and maintain data pipelines, combined with integrating, consolidation and transmitting of data along with assessing data quality. The successful candidate will, primarily, work alongside the Analytics team and a variety of other teams in the business. Successful use of database techniques and methodologies to create an efficient, sustainable and agile platform are key to this role. Insight & Intelligence have responsibility for the management of Atom’s data from end to end, from sourcing and integration, right through to deliver of business reporting and predictive models. Hence, there will be an opportunity to be involved in all parts of this life cycle within to support our dynamic business Key Accountabilities/Responsibilities: Required to liaise with senior stakeholders to gain an understanding to their requirements whilst possessing the ability to translate these business requirements into technical delivery. Responsible for the design and integrity of data solutions delivered to the business. Responsible for the administration and configuration of Atoms data warehouse technology. Key Performance Indicators Ability to translate requirements into deliverables in a consistent and logical way. Understands data availability, lineage and quality and can apply to the correct deliverables. Essential Capabilities/Experience Understand Atoms vision, strategy and principles for data management Understand how data can be used to drive operational and strategic decisions. Hands-on experience in design, development and deployment of data solutions and the integration of new technologies as they develop. Strong coding skills in Java, C#, SQL, Python, Scala and Shell Scripting In-depth knowledge of Data Modeling, ETL development and Database/Data Warehousing, Structured and Unstructured data A mixture of SQL and No-SQL technology experience and how these different approaches combine together Excellent analytical, decision making and problem-solving skills Understanding and delivery of Data Governance practices. Desired Capabilities/Experience: Degree in Computer Science, Information Systems, or other relevant field; or equivalent work experience A background in data management preferably focused on data provision for analytics, using large and complex data. Shows a systematic, disciplined and analytical approach to problem solving and pays close attention to detail Is familiar with the software engineering life cycle for development and the concepts and practices required to implement effective information systems in small to medium sized organisations Experience using the Datastax Enterprise solution Experience using Kafka data streaming, or similar streaming platforms. Knowledge and understanding of enterprise data management toolsets and their capabilities Experience of working in a controlled project lifecycle or agile methodology
Atombank Durham, NC, USA
Jul 09, 2019
Full time
Role description Atom Bank are currently developing a new data architecture to support their current and future needs and objectives, a Senior Data Engineer is required to work within the Data Management team, and alongside other senior stakeholders. This is a newly created Senior Data Engineer position where you will take ownership of projects and data management best practices as well as mentor more junior data engineers in activities: You will work directly with senior stakeholders managing competing demand for data across the bank, you will recommend, agree and adjust priorities and progress planning for ongoing execution against an evolving Roadmap. Insight & Intelligence have responsibility for the management of Atom’s data from end to end, from sourcing and integration, right through to deliver of business reporting and predictive models. Hence, there will be an opportunity to be involved in all parts of this life cycle within to support our dynamic business You will: Work with stakeholders within the bank, and externally too, establishing and maintaining strong ongoing working relationships with providers of data. Be responsible for leading, managing and delivering all aspects of development activities to meet customer needs ensure adherence to standards across the Data Engineering community Lead the shaping of solutions, ensuring strategic fit, following the agreed principles and contribute to continuous improvement of Data Management within the bank. Work collaboratively with other technologists, including Data Architects, DevOps and Project Managers to investigate and develop solutions Have advanced understanding of data management and analysis technologies including, Apache Kafka, Java. Work alongside the Data Manager to establish best practices within the bank and deliver on the data strategy and deliver an efficient, sustainable and agile data management platform Role Responsibilities Develop new methodologies for data management, utilising data new architecture and streaming data to allow the bank to become the most customer centric bank. Work with stakeholders to identify data management requirements and projects Developing and implementing data models, data quality standards, and continued optimisation of data Processes Providing technical leadership to a team of Data Engineers along with providing oversight to the products they develop. A key member of the data governance working group You will lead a team of data engineers responsible for all aspects of data onboarding and maintenance from different data sources, ensuring all work is delivered on time and in budget. Key Accountabilities/Responsibilities: Responsible for the administration, governance and configuration of Atoms data warehouse technology. Key member of the Data Governance community, responsible for implementing and upholding data standards. Point of contact for DevOps and Architecture, with a required understanding of a development lifecycle. Required to liaise with senior stakeholders to gain an understanding to their requirements whilst possessing the ability to translate these business requirements into technical delivery. Responsible for the design and integrity of data solutions delivered to the business. Key Performance Indicators Ability to translate requirements into deliverables in a consistent and logical way. Understands data availability, lineage and quality and can apply to the correct deliverables. Adherence to IT Delivery governance, controls, methodologies and compliance standards and expectations Essential Capabilities/experience Advanced understanding of Apache Kafka (or similar streaming platforms), C#, SQL, Python, and streaming technologies. Experience of cloud-based technologies. A minimum of 3 years’ experience working in a Data Engineering capacity, with complex data sets. Excellent stakeholder management skills. Understanding of the data management lifecycle Advanced experience in design, development and deployment of data solutions and the integration of new technologies as they develop. In-depth knowledge of Data Modeling, ETL development and Database/Data Warehousing, Structured and Unstructured data A mixture of SQL and No-SQL technology experience and how these different approaches combine together Excellent analytical, decision making and problem-solving skills Experience in the delivery of Data Governance practices and standards. Desired Capabilities/Experience: Degree in Computer Science, Information Systems, or other relevant field; or equivalent work experience 3-4 years experience in data management preferably focused on data provision for analytics, using large and complex data. Experience in leading a team of data engineers. Shows a systematic, disciplined and analytical approach to problem solving and pays close attention to detail Is familiar with the software engineering life cycle for development and the concepts and practices required to implement effective information systems in small to medium sized organisations Experience using Kafka data streaming, or similar streaming platforms. Knowledge and understanding of enterprise data management toolsets and their capabilities Experience of working in a controlled project lifecycle or agile methodology Understand Atoms vision, strategy and principles for data management
Atombank Durham, NC, USA
Jul 05, 2019
Full time
Role description An opportunity exists for a new Data Scientist to help Atom enhance its data & analytics capability Insight & Intelligence have responsibility for the management of Atom’s data from end to end, from sourcing and integration, right through to delivery of business reporting and predictive models. Core responsibilities: Developing and implementing various types of predictive models, segmentation strategies, optimisation algorithms and data mining analysis including: Predictive models and analysis to drive pricing and liquidity management Supporting regulatory and compliance initiatives within risk such as IFRS9 & IRB models and stress testing Credit Risk scorecards Simulation models to help optimise operational processes and quantify and manage operational risks Delivering end-user solutions to enable customers to utilise predictive models to perform what-if analyses. Monitoring and maintaining models to ensure that they remain fit for purpose Providing peer review and challenge to analysis and models developed by other members of the team. As part of the role there will be an opportunity to be involved in all parts of this life cycle within the wider team to support our dynamic business. The role will give a rare opportunity to work with all functions within the bank, giving insight to a wide range of activities, working with external data and analytics suppliers where required. Furthermore, as the business grows, the requirements for analytics will expand significantly, providing opportunities to expand your own capabilities. If you are an analytical expert and want to help build an analytics capability that will be the envy of other banks, then apply now! Key Accountabilities/responsibilities: Delivering predictive models that generate significant uplift in business performance and/or provide an enhanced customer experience Delivering analysis to support key strategic projects Delivery of analysis to support regular reporting requirements Delivering ad hoc analysis to provide key insight into business performance Key Performance Indicators Accuracy of information delivered Timeliness of work completed Technical programming and modelling ability Extent of contribution to team deliverables Alignment of activity to team goals Essential Capabilities/experience Degree in a numerate discipline (e.g. Maths/Statistics/Economics or similar) with a high degree of statistics. Sound understanding of one or more of the following modelling techniques – collaborative filtering, support vector machines, neural networks, linear and logistic regression, decision trees, random forests Experience of data analysis tools, such as SQL, R, Python, SAS or similar Good working knowledge of MS Excel Good communication skills - able to present analysis at all levels of the business and to non-specialists A self-starter with excellence time management skills Desired Capabilities/Experience Data visualisation with tools such as Tableau, Shiny Experience of delivering predictive models to support application or behavioural credit risk scoring, IRB, IFRS9, scorecards, pricing and price elasticity, or product propensity models. Knowledge of Scala programming language. Awareness of streaming technologies such as Apache Kafka Delivering analysis and/or reporting in a Financial services environment, Experience in dealing with large data sets
Atombank Durham, NC, USA
Jun 28, 2019
Full time
Role description You may have heard of us, we are Atom, a completely digital bank with no branches on the high street and no traditional banking website. We are looking for a Swift developer responsible for the development and maintenance of applications aimed towards iOS and OS X, including mobile phones and tablets. Your primary focus will be the development of such applications and their integration with back-end services. You will be working alongside other developers working on different layers of the infrastructure. Therefore, a commitment to collaborative problem solving, sophisticated design, and creating quality products is essential. Key Accountabilities/Responsibilities: You will contribute to daily stand-ups with the Mobile Application Development team and escalate any blockers to the Lead Developer or Head of Development You will contribute to technical design and to ensure associated artefacts are documented to agreed standards You will be responsible for developing the Atom’s Mobile Banking Application using Swift and other tools You will design and develop data models/structures, API integrations, loosely coupled code and the fundamental application framework using appropriate SW languages/tools You will ensure that all developed components have the appropriate level of quality and governance (version control, documentation, unit testing, secure development) You will ensure that the attack vectors are minimised and security issues are mitigated using a combination of secure development practice and additional Mobile Application security tooling You will be responsible for resolving QA defects by working closely with the Middleware Dev and Test teams or any required integration provider You will work closely with third parties to facilitate integration and smoke testing At the discretion of the Head of Development, Technical Senior Management, or Exco, execute any other reasonable ask or task in line with technical delivery for Atom Key Performance Indicators: Ensuring the you provide accurate delivery estimates Delivery of quality, and ideally defect-free development output, maintaining a high degree of test coverage Production of accurate documentation and design artefacts Effective triage and resolution of QA defects and Production issues in a third line capacity Effective collaboration with all internal and external teams Contribution to team technical standards and designs Effective time management, good resilience and drive De-risked technical delivery and reduction of KPDs Smooth issue free releases to non-prod and production environments Essential Capabilities/Experience: A Bachelor’s degree in computer science or a related field OR relevance vocational qualification(s), with industry experience Experience* in a development capacity encompassing contribution to solution design, and technical documentation production Development experience in an Agile development environment with CICD, of which will have encompassed significant experience with the Swift language development (min v3). You will be fully conversant with the iOS OS and Device ecosystem Conversant with SOLID and OOP principles and Software Design Patterns, BDD and TDD as approaches Experience of UX Development including responsive designs and accessibility, RESTful API integration, securing applications and secure messaging using a variety of methods including but not limited to credentials, certificates, tokens, pinning Experience of working closely with third parties and external systems providers Clear communicator both written and verbally Desired Capabilities/Experience: App Store Provisioning, release provisioning JIRA / Confluence experience Experience of working closely with User Experience and Customer Experience teams Improvisation and thinking outside the box to solve complex technical challenges Working in a complex multi-vendor solution environment Financial Services or regulated industry experience Experience of functioning in the capacity of 3rd line support Experience of DevOps environments Experience of Android Development
Atombank Durham, NC, USA
Jun 18, 2019
Full time
Role description The Credit Risk team is responsible for credit risk management of all lending products across the entire customer journey. The role holder will be responsible for supporting the ongoing review and delivery of credit policy across all lending products. They will work with the Decision Systems Manager to deliver and manage automated decision systems to provide efficient and cost-effective account opening and customer management across Atom’s product range ensuring that Atom policies can be effectively applied with minimal levels of manual intervention. They will be responsible for reporting and analysis of lending product performance and will use insight from this analysis to develop proposals to adjust lending strategy in order to maximise the profitability of the lending portfolio. The role will require a proactive individual capable of working with teams across the business including Strategy, Propositions, Operations, Compliance, Data and IT. Key Accountabilities/Responsibilities: Support the development of new business credit risk strategies including credit and affordability decisions to support the business’ growth agenda whilst maintaining control of credit quality and performance. Assist in the delivery of the BAU change programme for Atom’s existing decision engines to ensure that credit policy (including strategies, scorecards, policy rules and calculators) can be applied to all new business applications. Participate in the design and deployment of decision engine updates to support new business initiatives. Provide testing and quality assurance on work carried out on behalf of Atom by Decision Metrics and TransUnion. Perform regular, comprehensive credit reporting and investigative analysis on new business and portfolio management and identify improvements to policies and procedures. Assist with the development and implementation of credit risk MI to ensure the effective and ongoing monitoring of all credit risk strategies. Ensure that all credit data and credit models are thoroughly and accurately documented and tested. Assist with the design and implementation of champion:challenger tests to progressively refine lending strategies. Produce regular MI on the performance of the decision engine(s), reporting to Credit Committee as required. Undertake ad hoc work as directed by line manager from time to time. Key Performance Indicators: New lending volumes in line with business targets Arrears and credit losses maintained within bank’s risk appetite Fraud losses maintained within agreed risk appetite Decision engine performance on referral rates and response times in line with business targets Timely and accurate delivery of decision engine changes and new decision engine implementation Essential Capabilities/Experience: Highly numerate, preferably backed by a strong quantitative degree Understanding of data systems and infrastructures Programming, database extraction and reporting experience Strong data interpretation/interrogation skills, including data manipulation and analysis techniques, to create meaningful insight Proficient user of SAS, R or similar Strong MS Office skills, in particular MS Excel Good verbal and written communication skills Build effective working relationships with stakeholders Strong attention to detail Proactive, hardworking, flexible and able to work under own initiative Desired Capabilities/Experience: Experience of credit risk management in financial services Understanding of credit bureau data Previous experience of the design and delivery of decision engines Experience of building scorecards, decision trees and related statistical models
Atombank Durham, NC, USA
Jun 18, 2019
Full time
Role description You may have heard of us, we are Atom, a completely digital bank with no branches on the high street and no traditional banking website. We are developing a mobile app that allows you to do your banking wherever you are, whenever you want. As part of our technology we are developing a complex Kafka MQ and will extend to be a major component of our bank. We have an opportunity for a permanent developer to join our growing internal development team, where you will work alongside the Architecture, API Middleware, App Dev and Testing teams as well as third parties, playing an important role in building and supporting our Middleware. Key Responsibilities: You will be responsible for developing various Java connectors to our APIs/Services integrating with a number of internal/external backend systems using Mulesoft and appropriate SW languages/tools preferably (Java) You will design and develop Kafka Topics and API contracts, data transforms, algorithms using appropriate SW languages/tools You will be responsible for maintaining all associated design and document artefacts You will ensure that your developed components have the appropriate level of quality and governance (version control, documentation, unit testing) You will be responsible for resolving QA defects by working closely with the App Dev and Test teams You will work closely with third parties to facilitate integration and smoke testing You will play an active role in the Middleware support rota and ensure appropriate handling and resolution of any live defects You will take part in daily stand-ups to report your progress, current focus, and any blockers Qualifications: A Bachelor’s degree in computer science or a related field with a minimum of 3 years relevant experience, OR relevant vocational qualification(s) with a minimum of 3 years relevant experience Key Performance Indicators: Accurate development estimates Quality and ideally defect-free development output Production of accurate documentation and design artefacts Effective triage and resolution of QA defects and production issues Effective collaboration with all internal and external teams Contribution to technical standards and design decisions Effective time management, good resilience and drive Essential Capabilities/Experience: 3 years Java-like language development experience in an Agile development environment Java Message Queues experience A working knowledge of Mulesoft or similar platform, RESTful APIs with consideration of Unit Testing and Security principles Experience of working closely with third parties and external systems Clear communicator both written and verbally Desired Capabilities/Experience: Hands-on Kafka development experience Kafka certification Middleware/ESB/Integration best practice TDD/BDD experience Technical Solution Design, and Technical Documentation experience Improvisation and thinking outside the box to solve complex technical challenges Working in a complex multi-vendor solution environment Financial Services or regulated industry experience Experience of functioning in the capacity of 3rd line support REST API modelling language experience (RAML, JAML, other) Experience in ESB service integration JAVA/Python/Golang programming language experience
Atombank Durham, NC, USA
Jun 18, 2019
Full time
Role description Atom is on an incredible journey and this could be your opportunity to join the team. We are looking for a talented and motivated accountant to support the Senior Regulatory Reporting Manager in complying with the banks extensive and ever increasing regulatory reporting requirements. Prior experience in financial service regulatory reporting is a preference, but not essential. More importantly you will be able to demonstrate that you have the right aptitude to get to grips with complex accounting and regulatory concepts and the right attitude to support the timely and accurate submission of Atom’s regulatory returns The role is ideal for an accountant who is looking to expand and develop in a growing and fast moving organisation. Strong on the job training and support from senior colleagues will ensure you have all of the tools you need to flourish in this role. If you think you have what it takes we’d love to hear from you. Key Accountabilities/Responsibilities: Assist with the preparation of regulatory returns ensuring all returns are submitted accurately and on time. Keep abreast of regulatory developments to ensure Atom remains compliant with its regulatory reporting requirements Assist with assessing the regulatory implications of new business activities and transactions Deal with regulator queries as and when they arise Assist in the preparation of Atom’s external pillar 3 reports Produce monthly regulatory MI for the Executive Committee and the Board. Participation in projects Assist the wider Finance team as and when required. Key Performance Indicators: All regulatory returns submitted accurately and on time Quality of regulatory analysis and judgements Other analysis produced to a high standard and within the reasonable timescales agreed with manager Relationships with key stakeholders in Finance and across the broader organisation Successful completion of projects Essential Capabilities/Experience: Behaves in a manner consistent with Atom’s values at all times Qualified Accountant or willing to study toward a recognised accounting qualification Good Excel modelling skills or Google equivalent Very strong analytical and problem-solving skills Good communication and team-working capabilities Hard-working and self-motivated Desired Capabilities/Experience: Strong skills in other Office applications including PowerPoint and Word or Google equivalents Skills and experience in banking or financial services
Atombank Durham, NC, USA
Jun 18, 2019
Full time
Role description You may have heard of us, we are Atom, a completely digital bank with no branches on the high street and no traditional banking website. We are developing a mobile app that allows you to do your banking wherever you are, whenever you want. As part of our technology we are developing a complex Kafka MQ and will extend to be a major component of our bank. We have an opportunity for a permanent developer to join our growing internal development team, where you will work alongside the Architecture, API Middleware, App Dev and Testing teams as well as third parties, playing an important role in building and supporting our Middleware. Key Responsibilities: You will be responsible for developing various Kafka connectors to our APIs/Services integrating with a number of internal/external backend systems using Mulesoft and appropriate SW languages/tools preferably (Java) You will design and develop Kafka Topics and API contracts, data transforms, algorithms using appropriate SW languages/tools You will be responsible for maintaining all associated design and document artefacts You will ensure that your developed components have the appropriate level of quality and governance (version control, documentation, unit testing) You will be responsible for resolving QA defects by working closely with the App Dev and Test teams You will work closely with third parties to facilitate integration and smoke testing You will play an active role in the Middleware support rota and ensure appropriate handling and resolution of any live defects You will take part in daily stand-ups to report your progress, current focus, and any blockers Qualifications: A Bachelor’s degree in computer science or a related field with a minimum of 3 years relevant experience, OR relevant vocational qualification(s) with a minimum of 3 years relevant experience Key Performance Indicators: Accurate development estimates Quality and ideally defect-free development output Production of accurate documentation and design artefacts Effective triage and resolution of QA defects and production issues Effective collaboration with all internal and external teams Contribution to technical standards and design decisions Effective time management, good resilience and drive Essential Capabilities/Experience: 3 years Java-like language development experience in an Agile development environment Hands-on Kafka development experience Java Message Queues experience A working knowledge of Mulesoft or similar platform, RESTful APIs with consideration of Unit Testing and Security principles Experience of working closely with third parties and external systems Clear communicator both written and verbally Desired Capabilities/Experience: Kafka certification Middleware/ESB/Integration best practice TDD/BDD experience Technical Solution Design, and Technical Documentation experience Improvisation and thinking outside the box to solve complex technical challenges Working in a complex multi-vendor solution environment Financial Services or regulated industry experience Experience of functioning in the capacity of 3rd line support REST API modelling language experience (RAML, JAML, other) Experience in ESB service integration JAVA/Python/Golang programming language experience
Atombank Durham, NC, USA
Jun 18, 2019
Full time
Role description The crucial bridge between the business and technology, the Technical Writer is the driving force behind delivering tangible business value through investigating business problems/opportunities, identifying business needs, exploring solution options, and owning change through the entirety of the project lifecycle. Key responsibilities Stakeholder identification, engagement, collaboration and management Act as the key liaison between the Architecture and DevOps Maintain the alignment of the Agile development cycle with the wider business goals & strategy Develop technical requirements into user stories that reflect a complete understanding of processes and feature requirements Define conditions of acceptance for effective testing and delivery validation Effective management of development backlog including prioritisation, estimation and ongoing review and feedback Provide empowered decision making in line with objectives Full participation in planning, stand-ups, reviews, retrospectives and product demonstrations Perform capability assessment Shape & define project scope Liaise with solution architect to validate solution design Custodian of requirements throughout development lifecycle Liaise with test team to inform on test strategy Champion for Agile and Lean practices and principles across the organisation Work with Scrum Master to coach other areas in processes Qualifactions: Relevant tertiary education (IT/Business) or qualified by experience Key Performance Indicators Key artefact delivery (e.g. acceptance of user stories into product backlog / process / etc.) Minimal requirement changes post baseline Essential Capabilities/experience Significant experience in a Scrum Agile environment Excellent communication & writing skills Strong facilitation & negotiation skills Analytical / critical thinker Attention to detail Desired Capabilities/Experience: Knowledge of DevOps or other technical development methodologies Proficient with Confluence / Jira Strong understanding of Scrum Agile methodologies Problem solver Able to build rapport with business stakeholders Able to work independently and as part of a team Self-confidence to challenge thinking / decisions Comfortable working on multiple projects in parallel