Financial Crime Operations Analyst

About UsYouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world's leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.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.RequirementsResponsibilities: 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 requirementsThe ideal candidate will have the following skillset: Experience in a financial crime, AML, or fraud role within a fintech, lender, or digital bankPractical knowledge of transaction monitoring, EDD, and fraud case managementFamiliarity with risk indicators in digital lending and financial productsStrong analytical mindset and investigative skills with excellent attention to detailAbility to write clear, concise, and objective case notes and reportsProficient with financial crime tools and data sources (such as CIFAS etc.)Desirable skills:Certifications such as CAMS, CFCS, or ICAKnowledge of KYC/KYB processes and digital identity verificationBasic SQL or analytics skills to support deep dives into transaction dataUnderstanding of credit lifecycle, including application, onboarding, disbursement, and repayment flowsSalary: £40,000 - 45,000 + 10% annual bonus BenefitsWhy join YouLend?Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work in 2024 and 2025" by the Sunday Times for being a supportive, diverse, and rewarding workplaceAward-Winning Fintech: YouLend has been recognised as a "Top 250 Fintech Worldwide" company by CNBCIt's just getting fun:We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace. But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started. Lots of upsides:High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business). Well-capitalised with supportive private equity backing. Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets. Motivating work environment: A high-quality team that pushes each other to succeed through direct feedback and aligned incentives. Strong and transparent team culture, we have each other's backs. Independent work environment where results matter. Data-driven culture and emphasis on speed (anti-red tape). We offer a comprehensive benefits package that includes: Stock OptionsPrivate Medical insurance via Vitality and Dental Insurance with BUPA EAP with Health AssuredEnhanced Maternity and Paternity LeaveModern and sophisticated office space in Central LondonFree Gym in office building in HolbornSubsidised Lunch via FeedrDeliveroo Allowance if working late in officeMonthly in office MasseuseTeam and Company SocialsFootball Power League / Paddle and Yoga 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.