Financial Crime Operations Analyst

TN United Kingdom; London; On-site; GBP 40,000 - 70,000; Full time

Job summary

An established industry player in the fintech sector is seeking a detail-oriented Financial Crime Operations Analyst to join their dynamic team in London. This role is pivotal in safeguarding the organization against financial crime threats, ensuring compliance with regulatory standards, and optimizing fraud detection processes. Candidates will engage in transaction monitoring, conduct enhanced due diligence, and collaborate across teams to enhance operational efficiency. With a commitment to diversity and a supportive workplace culture, this opportunity offers a chance to contribute to a leading company recognized for its innovative approach and employee satisfaction.

Benefits

Stock Options

Private Medical insurance

Enhanced Maternity and Paternity Leave

Free Gym in office

Subsidised Lunch

Cycle to work scheme

Deliveroo Allowance

Monthly in office Masseuse

Team and Company Socials

Football Power League / Squash Club

Qualifications

• Experience in a financial crime, AML, or fraud role within a fintech.
• Strong analytical mindset and investigative skills with attention to detail.

Responsibilities

• Review customer transactions to identify unusual patterns.
• Investigate suspicious transactions and maintain accurate records.

Skills

Transaction Monitoring

Enhanced Due Diligence (EDD)

Fraud Investigations

Analytical Skills

Regulatory Awareness

SQL

Education

Relevant certifications (CAMS, CFCS, ICA)

Experience in financial crime or AML roles

Tools

Financial crime tools

Data sources (CIFAS)

Job description

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Financial Crime Operations Analyst, London

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Client:

YouLend

Location:

London, United Kingdom

Job Category:

Other

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EU work permit required:

Yes

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Job Reference:

44a524a22c24

Job Views:

3

Posted:

26.04.2025

Expiry Date:

10.06.2025

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Job Description:

About Us

YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role:

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.

Requirements

• Transaction Monitoring:
  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.
• Enhanced Due Diligence (EDD):
  Conduct in-depth reviews on higher risk customers, including gathering additional documentation, performing open-source intelligence (OSINT) checks, and assessing risk indicators.
• Fraud Investigations:
  Investigate suspicious transactions, credit applications, identity mismatches, and fraud attempts (e.g., synthetic identities, mule activity, account takeovers), escalating where appropriate.
• Case Management:
  Maintain accurate and complete investigation records, create internal case files, and support the preparation of Suspicious Activity Reports (SARs) in line with regulatory standards.
• Cross-Team Collaboration:
  Work closely with credit risk, underwriting, collections, and engineering teams to resolve fraud cases and help build smarter detection workflows.
• Process Optimization:
  Contribute to the improvement of financial crime detection systems by feeding back learnings and supporting updates to monitoring rules, alerts, and internal procedures.
• Regulatory Awareness:
  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.
• 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.
• Knowledge of KYC/KYB processes and digital identity verification.
• Basic SQL or analytics skills to support deep dives into transaction data.
• Understanding of credit lifecycle, including application, onboarding, disbursement, and repayment flows.
• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
• Award-Winning Fintech: YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.

We offer comprehensive benefits package that includes:

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

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.