Financial Crime Risk Investigator involved in investigations and analysis of financial crimes for a leading bank. Engaging with law enforcement and providing training related to AML and Financial Crime.
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
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