Qualifications
Responsibilities:Transaction Monitoring:Analyze customer transactions and alerts (including disbursements, repayments, and account activities) to identify unusual patterns or indicators of concern in real-time and post-event scenarios.Enhanced Due Diligence (EDD):Perform comprehensive reviews on high-risk customers, including gathering additional documentation, conducting open-source intelligence (OSINT) checks, and assessing risk factors.Fraud Investigations:Investigate questionable transactions, credit applications, identity discrepancies, and fraud attempts (e.g., synthetic identities, mule activity, account takeovers), escalating as necessary.Case Management:Maintain detailed and accurate investigation records, develop internal case files, and assist in preparing Suspicious Activity Reports (SARs) in accordance with regulatory standards.Cross-Team Collaboration:Collaborate closely with credit risk, underwriting, collections, and engineering teams to resolve fraud cases and enhance detection workflows.Process Optimization:Contribute to the evolution of financial crime detection systems by providing insights and supporting updates to monitoring rules, alerts, and internal processes.Regulatory Awareness:Remain informed about relevant AML, fraud, and fintech regulatory requirements (e.g., UK FCA, JMLSG, MLRs, POCA, PSD2) and ensure investigations align with compliance standards.
About the job
About Us
YouLend is an innovative FinTech company, recognized as the leading embedded financing platform utilized by some of the world's top e-commerce platforms, technology firms, and Payment Service Providers. Our cutting-edge software empowers partners to enhance their offerings by providing tailored financing solutions under their own branding, enabling them to serve their merchants without the risk of capital loss.
Backed by the esteemed private equity firm EQT, we have experienced remarkable growth, exceeding 100% year-on-year since 2020. Our headquarters are located in London, UK, with a presence in several European nations and the United States, supporting notable partners such as eBay, Amazon, Just Eat, Shopify, and Stripe.
The Role
We are seeking a meticulous and analytical Financial Crime Operations Analyst to join our dedicated Financial Crime team within the Financial Crime Operations department. This critical position places you at the forefront of safeguarding YouLend and our clients against financial crime risks, from fraudulent loan applications to suspicious transaction activities. Your contributions will be vital in upholding the integrity of our credit ecosystem, enabling us to grow responsibly and securely.
About YouLend
YouLend is a dynamic and rapidly expanding FinTech firm delivering embedded financing solutions to major e-commerce platforms and payment providers. With a strong growth trajectory and a supportive ownership by EQT, YouLend is committed to innovation and security in the financial sector.