- Company Name
- YouLend
- Job Title
- Financial Crime Operations Analyst
- Job Description
-
Job Title: Financial Crime Operations Analyst
Role Summary:
Responsible for safeguarding the financial ecosystem by monitoring transactions, conducting enhanced due diligence, investigating fraud, and managing cases to comply with AML and regulatory standards. Works cross‑functionally with credit, underwriting, collections, and engineering to refine detection and reporting processes.
Expactations:
- Proactive, detail‑oriented investigator with strong analytical skills.
- Clear and concise communicator capable of documenting findings and reporting in objective tone.
- Collaborative team player who engages stakeholders to resolve fraud and improve controls.
- Up‑to‑date on AML, fraud, and fintech regulations and industry best practices.
Key Responsibilities:
- Review real‑time and post‑event transaction alerts (disbursements, repayments, account activity) to detect unusual patterns and flag red flags.
- Execute Enhanced Due Diligence on high‑risk customers, gathering additional documentation, performing OSINT checks, and assessing risk indicators.
- Investigate suspicious transactions, credit applications, identity mismatches, synthetic identities, mule activity, and account takeovers, escalating appropriately.
- Maintain accurate case files, produce and submit Suspicious Activity Reports (SARs) in line with regulatory requirements.
- Collaborate with credit risk, underwriting, collections, and engineering teams to resolve cases and build smarter detection workflows.
- Contribute to process and system improvements by feeding back learnings to monitoring rules, alert thresholds, and internal procedures.
- Stay current on AML, fraud, and fintech regulatory obligations (UK FCA, JMLSG, MLRs, POCA, PSD2) and ensure investigations align with compliance standards.
Required Skills:
- Proven experience in financial crime, AML, or fraud within fintech, lending, or digital banking.
- Practical knowledge of transaction monitoring, EDD, and fraud case management.
- Strong analytical mindset, investigative acumen, and meticulous attention to detail.
- Proficiency with financial crime tools and data sources (e.g., CIFAS).
- Ability to produce clear, concise, objective case notes and reports.
- Familiarity with risk indicators in digital lending and financial products.
- Basic SQL or analytics skills for data‑driven investigations (desired).
- Knowledge of KYC/KYB processes and digital identity verification (desired).
Required Education & Certifications:
- No formal education requirement specified; a bachelor’s degree in finance, law, computer science, or related field is preferred.
- Certifications such as CAMS, CFCS, or ICA are desired.