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For Companies At a Glance
- Tasks: Protect YouLend from financial crime by monitoring transactions and investigating suspicious activities.
- Company: YouLend is a leading embedded financing platform for top e-commerce and tech companies globally.
- Benefits: Enjoy stock options, private medical insurance, gym access, and subsidised lunches.
- Why this job: Join an award-winning fintech and make a real impact in the financial ecosystem.
- Qualifications: Experience in financial crime or fraud roles; strong analytical skills required.
- Other info: Work in a modern office in Central London with great team socials and perks.
The predicted salary is between 32000 - 36000 £ per year.
About Us
YouLend is the preferred global embedded financing platform for many of the world\’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend\’s AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role:
We\’re looking for a sharp, detail-driven Financial Crime Operations Analyst to join our Financial Crime team within the Financial Crime Operations department. In this role, you\’ll be on the front line of protecting YouLend and our customers from financial crime threats — from fraudulent loan applications to suspicious transaction activity. Your work will directly support the integrity of our credit ecosystem, helping us scale responsibly and securely.
Requirements
- Transaction Monitoring: Review customer transactions and alerts (including disbursements, repayments, and account activity) to identify unusual patterns or red flags in real-time and post-event scenarios
- Enhanced Due Diligence (EDD): Conduct in-depth reviews on higher risk customers, including gathering additional documentation, performing open-source intelligence (OSINT) checks, and assessing risk indicators
- Fraud Investigations: Investigate suspicious transactions, credit applications, identity mismatches, and fraud attempts (e.g., synthetic identities, mule activity, account takeovers), escalating where appropriate
- Case Management: Maintain accurate and complete investigation records, create internal case files, and support the preparation of Suspicious Activity Reports (SARs) in line with regulatory standards
- Cross-Team Collaboration: Work closely with credit risk, underwriting, collections, and engineering teams to resolve fraud cases and help build smarter detection workflows
- Process Optimization: Contribute to the improvement of financial crime detection systems by feeding back learnings and supporting updates to monitoring rules, alerts, and internal procedures
- Regulatory Awareness: Stay current on relevant AML, fraud, and fintech regulatory obligations (e.g., UK FCA, JMLSG, MLRs, POCA, PSD2) and ensure investigations are aligned with compliance requirements
Essential:
- Experience in a financial crime, AML, or fraud role within a fintech, lender, or digital bank
- Practical knowledge of transaction monitoring, EDD, and fraud case management
- Familiarity with risk indicators in digital lending and financial products
- Strong analytical mindset and investigative skills with excellent attention to detail
- Ability to write clear, concise, and objective case notes and reports
- Proficient with financial crime tools and data sources (such as CIFAS etc.)
Desirable:
- Certifications such as CAMS, CFCS, or ICA
- Knowledge of KYC/KYB processes and digital identity verification
- Basic SQL or analytics skills to support deep dives into transaction data
- Understanding of credit lifecycle, including application, onboarding, disbursement, and repayment flows
Salary: £40,000 – 45,000 + 5% quarterly bonus
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the \”Best Places to Work 2024\” by the Sunday Times for being a supportive, diverse, and rewarding workplace
- Award-Winning Fintech: YouLend has been recognised as a \”Top 250 Fintech Worldwide\” company by CNBC
We offer comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Cycle to work scheme
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Squash Club
At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law. #J-18808-Ljbffr
Financial Crime Operations Analyst employer: YouLend
Contact Detail:
YouLend Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Financial Crime Operations Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in financial crime and fraud detection. Understanding the current landscape will not only help you during interviews but also demonstrate your commitment to staying informed in this rapidly evolving field.
✨Tip Number 2
Network with professionals in the fintech and financial crime sectors. Attend industry events or join relevant online forums to connect with others who can provide insights or even refer you to opportunities at YouLend.
✨Tip Number 3
Brush up on your analytical skills, especially in relation to transaction monitoring and case management. Being able to showcase your ability to analyse data and identify patterns will set you apart from other candidates.
✨Tip Number 4
Research YouLend's specific approach to financial crime operations. Understanding their systems and processes will allow you to tailor your discussions during interviews, showing that you're genuinely interested in contributing to their mission.
We think you need these skills to ace Financial Crime Operations Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in financial crime, AML, or fraud roles. Emphasise your analytical skills and any specific tools or methodologies you've used that relate to transaction monitoring and fraud investigations.
Craft a Compelling Cover Letter: In your cover letter, express your passion for combating financial crime and how your background aligns with YouLend's mission. Mention specific experiences that demonstrate your attention to detail and investigative skills.
Showcase Relevant Skills: Clearly outline your familiarity with regulatory obligations and financial crime tools in your application. If you have certifications like CAMS or CFCS, make sure to highlight them as they are desirable for this role.
Proofread Your Application: Before submitting, carefully proofread your application for clarity and conciseness. Ensure that your case notes and reports are well-written, as this reflects your ability to communicate effectively in the role.
How to prepare for a job interview at YouLend
✨Understand Financial Crime Fundamentals
Make sure you have a solid grasp of financial crime concepts, including transaction monitoring and enhanced due diligence. Familiarise yourself with common fraud indicators and the regulatory landscape, as this knowledge will be crucial during your interview.
✨Showcase Your Analytical Skills
Prepare to discuss specific examples where you've used your analytical mindset to identify suspicious activities or patterns. Highlight any experience you have with financial crime tools and data sources, as well as your ability to write clear case notes.
✨Demonstrate Cross-Team Collaboration
Be ready to talk about how you've worked with other teams in previous roles. YouLend values collaboration, so share instances where you've partnered with credit risk, underwriting, or engineering teams to resolve issues or improve processes.
✨Stay Current on Regulatory Changes
Research the latest AML and fintech regulations relevant to the role. Being able to discuss recent changes and how they impact financial crime operations will show your commitment to compliance and your proactive approach to the industry.
