Fraud + Financial Crime Analytics Manager

What’s Yonder?

“It’s as if Time Out, Amex and Monzo had a baby” – Will T, Yonder Member

We’re building the financial membership of the future. Starting with a credit card that has fun and experiences at its core, we’re the antithesis to your dad’s stuffy, corporate, boring credit card.

Whilst tech is revolutionising the finance industry, credit is still stuck in the stone ages. We want to create a world where financial services are fair and conscious, and the stress of debt is eliminated for everyone.

We’ve raised an additional £23.4M in September 2024 to grow our team, launch even better rewards and fast-track our expansion outside the UK.

Sounds cool. What’s my part in this?

Over the last 18 months we’ve added a free membership tier, the ability to increase your purchasing power by adding your money, hundreds of new independent partners around the country, countless product improvements and our personal favourite, Yonder Flights, a new way to use Yonder points on any flight with any airline globally. We’ve maintained a 4.6 TrustPilot rating and are the number one ranked credit card with Smart Money People. Our customers really love us (and we love them back… hi!).

The Risk Management function continues to grow and we’re looking for a Fraud and Fincrime Analytics Manager, reporting into Theso , our Chief Risk Officer, to make sure that we are protected against all fraud and financial crime threats through the use of forward looking policies and data analytics.

What you’ll do

As Fraud and Financial Crime and Analytics Manager, you’ll blend strategic thinking with hands-on execution across four key areas:

Strategic:

• Work with our Chief Risk Officer to identify vulnerabilities in our fraud and financial crime prevention practices.
• Conduct horizon scanning to spot emerging fraud and financial crime threats and trends.
• Be our fraud technical lead on company initiatives.

Analytics & Reporting:

• Develop and deploy rules and/or predictive models for fraud/financial crime detection and prevention.
• Work with our engineering team to ensure access to the right data from source systems.
• Create regular reports and dashboards on key fraud and financial crime metrics for senior management.
• Manage external reporting obligations to entities such as CIFAS and Mastercard.

Collaboration & Communication:

• Partner with our product team to enhance our fraud security features.
• Work with our Fraud and Financial Crime Operations team to investigate and resolve incidents.
• Present findings to both technical and non-technical stakeholders.

Continuous Improvement:

• Keep pace with advances in fraud and financial crime detection techniques and analytics.
• Evaluate new tech to enhance our fraud and financial crime prevention stack.

You’re a great fit if you

Have a strong understanding of either fraud and financial crime risks and trends, and experience applying analytical techniques to mitigate these risks.

Are proficient in SQL and have experience analysing data to identify trends and outliers.

Are a strategic thinker and can develop innovative solutions to address evolving fraud threats.

Are able to work both independently and collaboratively across the business, effectively communicating complex information to both technical and non-technical audiences.

Are passionate about protecting customers and the business from fraud and financial crime.

Possess a proactive mindset, looking to seek opportunities to improve fraud detection and prevention strategies. Experience in horizon scanning and threat intelligence is a plus.

Experience in the financial services or Fintech industry, particularly with credit card fraud, is highly desirable.

You won’t be a great fit if you

Lack a genuine interest in fraud prevention and financial crime.

Are uncomfortable working with large datasets and performing complex data analysis.

Prefer highly structured environments and struggle with ambiguity.

Are not comfortable communicating technical concepts to non-technical audiences.

Are hesitant to take ownership and lead projects.

Are primarily interested in pure analytics roles without a focus on the business context of fraud and financial crime.

What’s it like working at Yonder?

We’re office-first, remote-friendly

We’re based in our Hoxton office, complete with a terrace, breakfast, coffee (from a barista), dogs, beer taps and plenty of comfortable space to do your best work. We expect you to come into the office at least 3 days a week, with everyone coming in on Mondays.

We take a values-led approach

Our principles are incredibly important to us, so we recommend you check them out here: Our DNA .

We take development really seriously

We have a structured process for progression, with fortnightly one-on-ones and quarterly peer perspectives. We also take some time at the end of each week to reflect and celebrate what we’ve learned and achieved.

What’s in it for me?

Depending on your skill set and what you can bring from day one, you’ll be looking at:

£56,107 – 65,104 salary

£36,459 – £54,453 stock options

Plus

35 holidays (27 days annual leave + 8 days public leave).

2x per year team-building offsites.

Private healthcare with Vitality, including mental health, dental & vision cover.

16 weeks enhanced parental leave for all parents after being with Yonder for 1 year.

Financial coaching with Octopus Money.

Learning & training allowance (£750/year) that you can use on books, courses, etc.

Regular team events like Mini-golf, Escape Room, Cocktail making, or breakfast/lunch with other members of the team!

Cycle-to-work scheme.

Fresh pour-over coffee made by our very own CEO, Tim.

What’s the interview process like?

We take the candidate experience really seriously, so we’ve made the process as transparent as possible. We also promise to be responsive, and will never leave you wondering where you stand for weeks on end.

Here’s how it works:

• Stage 1: Intro call (45 mins):

  You will have an initial Zoom call with Theso to find out more about you and to tell you more about us.

• Stage 2: Case interview / Take home task (60 mins):

  An analytics task to see how you think about fraud and fincrime prevention. You’ll do this virtually with Theso.

• Stage 3: Face-to-face interview (2 hours):

  Two 60-minute interviews to learn more about how you work. This will also be a great opportunity for you to meet the rest of the team so we would love it if you can come into the office for it! Interviews will be structured as follows:

  • Experience interview: We’ll deep dive into your CV and talk about your past experiences. This stage will be with the Chief Risk Officer and an experienced member from our operations team.
  • Values interview: We want to learn more about how you work – we’ll ask you questions related to our principles (Our DNA ). This stage will be with two people from our wider team.

  We’ll also include a 15-minute comfort break.

• Stage 4: Offer: If everyone’s happy, we’ll make you an offer to join us – YAY! We hope to always give you a decision between each stage within 24 hours (where possible).

Other things to know:

• We love closing the feedback loop at Yonder. You can expect specific feedback on our decision from Stage 2 onwards, and you can always ask for more.
• We must complete the right to work & criminal background checks for every new Yonder-er for compliance purposes because we handle sensitive customer data.
• We also do reference checks, ideally with your most recent manager on the phone.
• We like to move quickly at Yonder, so we will be ready to onboard you once the above checks are complete – the entire process can take between 2 – 6 weeks.

We know that diverse teams build better products. If you’re from an under-represented community, we’d especially love to hear from you.

Even if you don’t feel 100% qualified, please do apply anyway. Your attitude and desire to grow are just as important as your experience.

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