Webinar: How Non-Bank Lenders Balance Risk, Growth and Customer Experience at Scale
Recorded
Thursday, May 6
Length
1 hour
Format
On demand
Watch the replay!
How Non-Bank Lenders Balance Risk, Growth and Customer Experience at Scale
AML, fraud and onboarding trade-offs, discussed by the operators who actually make the calls. Most non-bank lenders redesign their onboarding process at least once before they hit scale.
The ones who get it right learn to balance conversion against compliance, speed against control, and what regulators actually care about against what teams over-engineer.
This session brings together senior leaders from across non-bank lending to talk about how those decisions get made in practice. Not in theory. Not through a product lens. Through the choices that happen under real operational pressure.
What you'll hear
- Where KYC and fraud controls break at scale. The specific points where manual review queues, identity checks and fraud controls stop keeping up with volume, and what it takes to move from optimising to actually rebuilding.
- How friction decisions get made in practice. Where teams have deliberately slowed down the onboarding flow to manage risk, who pushed back, and how the view on acceptable friction changes as volumes grow.
- What actually works in KYC and AML. Which controls consistently deliver, where teams over-engineer without reducing real risk, and what experienced operators would tell someone building this out from scratch.
- What needs to change before you scale again. Which parts of the onboarding and fraud stack become non-negotiable at scale, what fraud risks catch lenders off guard as they grow, and what panellists would fix today before their volumes doubled.
Who this is for
Leaders at non-bank lenders who are past the startup phase and starting to feel the friction between growth targets and compliance reality. If you're responsible for risk, compliance, onboarding operations or product decisions, and you've ever had to choose between a cleaner customer experience and a tighter control framework, this conversation is for you.
- Heads of Risk and Compliance
- Operations and Lending leaders
- Product and Digital teams
- Founders and GMs scaling non-bank lending businesses
Panellists
Royston Lim
Chief Strategy and Customer Officer,
Scotpac
Royston is Chief Strategy and Customer Officer at ScotPac Business Finance, overseeing strategy, marketing, business intelligence, and risk.
ScotPac's Risk function spans operational, financial crime, credit, and privacy risks - with a focus on leveraging technology and data to drive effectiveness at scale.
Ben Elmslie
Chief Risk Officer,
Lumi
Ben is Chief Risk Officer at Lumi Finance, leading credit, risk, and settlements to support secure funding for Australian SMEs. With experience across top-tier banks and leading fintechs, he specialises in credit risk strategy, portfolio performance, and quantitative analytics in the non-bank lending space.
Marhadi Salim
Head of Operational Risk and Compliance,
Shift
Marhadi is Head of Operational Risk and Compliance at Shift, where he has spent five years building the operational risk framework and compliance function, including as Money Laundering Compliance Officer. With over 20 years across financial services, technology, and professional services - including senior roles at Macquarie Group, Aon, and PwC.
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Junya Ichinose
Account Director,
FrankieOne
Junya leads FrankieOne's work with fintech lenders and payment companies, helping them scale onboarding and compliance without adding headcount or friction. He brings experience from financial crime and risk roles at Macquarie Bank and Suncorp, as well as the vendor side at LexisNexis Risk Solutions.