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