Financial Crime Operations Manager, YouLend

• 5+ years in financial crime operations within the financial services industry, ideally in a fintech, PI, EMI or a similar regulated entity
• ICA Diploma in AML or equivalent qualification
• Strong understanding of AML frameworks, fraud prevention, and transaction monitoring, including knowledge of financial crime regulations (including the FCA Handbook, JMLSG Guidance, and Payment Services Regulations (PSRs))
• Proven experience in managing investigations, escalation, fraud prevention and transaction monitoring
• Proven leadership experience in building and managing financial crime operational teams

Desirable

• We are seeking a Financial Crime Operations Manager to lead first-line financial crime operations. This role focuses on KYC, customer due diligence (CDD), transaction monitoring (TM), and fraud investigations, ensuring regulatory compliance and effective risk mitigation.
• This strategic role will oversee enhanced due diligence (EDD), fraud prevention, transaction monitoring and investigations, while building a high-performing team and driving continuous improvement in financial crime detection
• Oversee enhanced due diligence (EDD) for high-risk customers and manage periodic CDD refresh and ongoing screening for PEPs, sanctions, and adverse media
• Investigate CDD alerts, including material changes triggering reviews
• Conduct transaction monitoring investigations and escalate cases requiring compliance review or external reporting (e.g., SARs)
• Manage transaction monitoring systems, fine-tuning thresholds and detection rules for improved fraud identification
• Analyse transaction patterns to detect suspicious activity, money laundering schemes, and fraud risks
• Develop and implement fraud prevention frameworks, policies, and risk mitigation strategies
• Fraud Detection & Risk Management
• Leverage AI-driven fraud detection tools, data analytics, and forensic techniques
• Monitor emerging fraud trends and enhance risk strategies accordingly
• Collaborate with industry peers and law enforcement agencies to improve fraud intelligence sharing
• Build and lead a financial crime operations team, recruiting, training, and mentoring specialists
• Establish KPIs and performance metrics to measure fraud detection and investigation effectiveness
• Lead change initiatives, enhance fraud detection workflows, and optimise monitoring systems
• Train internal teams on fraud awareness and risk management best practices
• Prepare financial crime reports for senior management
• Build custom reports and dashboards using Metabase and SQL to monitor fraud trends and key risk indicators

• 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
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Squash Club

Securing funding can be complicated, arduous and often inaccessible to many companies. YouLend solves this problem by giving eCommerce platforms and tech companies better access to fast and flexible funding.