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
• 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
• Conduct in-depth reviews on higher risk customers, including gathering additional documentation, performing open-source intelligence (OSINT) checks, and assessing risk indicators
• Investigate suspicious transactions, credit applications, identity mismatches, and fraud attempts (e.g., synthetic identities, mule activity, account takeovers), escalating where appropriate
• Maintain accurate and complete investigation records, create internal case files, and support the preparation of Suspicious Activity Reports (SARs) in line with regulatory standards
• Work closely with credit risk, underwriting, collections, and engineering teams to resolve fraud cases and help build smarter detection workflows
• Contribute to the improvement of financial crime detection systems by feeding back learnings and supporting updates to monitoring rules, alerts, and internal procedures
• 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