Hybrid Financial Crime Operations Analyst

at YouLend

• Job title: Financial Crime Operations Analyst
• Job type: Full Time
• Experience level: Junior
• Salary: £40,000 - £45,000 per year
• Degree requirement: Bachelor's Degree
• Tech skills: SQL
• Location requirements: Hybrid, London, United Kingdom

About the role

• Financial Crime Operations Analyst role ensuring YouLend's integrity against financial crime threats. Focus on investigation, due diligence, and cross-team collaboration in a FinTech environment.

Responsibilities

• 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.

Requirements

• 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.).
• Certifications such as CAMS, CFCS, or ICA are desirable.
• Knowledge of KYC/KYB processes and digital identity verification is a plus.
• Basic SQL or analytics skills to support deep dives into transaction data are beneficial.
• Understanding of credit lifecycle, including application, onboarding, disbursement, and repayment flows is helpful.

Benefits

• Stock Options
• Private Medical insurance via Vitality and Dental Insurance with BUPA
• 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 / Paddle and Yoga Club