Financial Crime Operations Analyst, YouLend

• 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

• 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
• 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