Financial Crime Manager

2 weeks ago

London, Greater London, United Kingdom YouLend Full time

 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 are hiring a Financial Crime Manager & DMLRO to sit under the Head of Financial Crime & MLRO, supporting the development, enhancement, and execution of our financial crime framework across the UK, EU and US. This role is critical in ensuring that AML, transaction monitoring, KYC/CDD, and sanctions processes are robust, efficient, and scalable in a fast-paced fintech environment. 

As Financial Crime Manager & DMLRO, you will play a key role in shaping and enhancing YouLend's financial crime risk management framework, ensuring compliance with UK, EU, and US AML regulations while supporting the business in its growth. You will lead the execution of financial crime processes, oversee monitoring and investigations, and support key projects to uplift financial crime controls. 

This is an exciting opportunity for a senior financial crime specialist to work in a high-growth fintech, taking a hands-on role in investigations, monitoring, and framework enhancements while contributing to strategic initiative and embed technology-driven financial crime solutions. 

Requirements

  • Financial Crime Risk Management – Support the enhancement of AML, sanctions and fraud prevention frameworks, including Customer Risk Assessments (CRA)and Business-Wide Risk Assessments (BWRA). 
    • Transaction Monitoring & Investigations – Oversee alert handling, escalation processes and rule optimization, including the development and tuning of transaction monitoring rules to improve detection capabilities and reduce false positives. 
      • Sanctions, KYC/CDD & Fraud prevention – Ensure effective screening processes, lead improvements in onboarding and DD workflows, and streamline manual inefficiencies. Drive the execution of key financial crime workstreams, including AML/CTF risk assessments, sanctions compliance and fraud prevention strategies. 
        • Governance & Reporting – Prepare financial crime MI reports, assist in regulatory reporting and support the MLRO with the Annual MLRO Report.  
          • Technology & Automation – Work closely with product, data and operational teams to leverage automation and big data analytics, improving financial crime detection and risk management capabilities. Collaborate on streamlining and automating workflows to improve efficiency and scalability. 
            • Quality Assurance & Compliance Oversight – Conduct quality assurance reviews across financial crime processes, including transaction monitoring investigations, KYC onboarding, and DD assessments, to ensure consistency, regulatory compliance, and operational effectiveness. 
              • Policy & Process Enhancements – Assist in updating and enhancing financial crime policies and procedures, ensuring alignment with regulatory requirements and industry best practices. 
                • Training & Awareness – Deliver financial crime training across business teams, fostering a strong compliance culture and supporting continuous improvements in processes and controls. 

What We're Looking For 

  •  5+ years of experience in financial crime compliance, AML, or fraud prevention preferably within fintech, payments or other high-growth companies. 
    •  Strong knowledge of UK AML regulations (MLRs, JMLSG), EU AMLD6, FATF guidance, and sanctions regulations (OFSI, OFAC, EU, UN). 
      • Strong operational knowledge of UK and EU Payment Institution regulatory and legal requirements regarding financial crime compliance, payments (Payment Services Directive, Payment Services Regulation), industry standards, best practices and business lending is a plus. 
        •  Experience in transaction monitoring, KYC/CDD, PEPs & sanctions screening, and risk-based approaches to financial crime. 
          •  Ability to analyse financial crime data and leverage technology to improve compliance effectiveness. 
            •  Strong communication skills, with the ability to engage and influence stakeholders across compliance, operations, product and tech teams. 
              •  Experience leading or mentoring junior compliance team members. 
                •  Exposure to EU and/or US financial crime compliance frameworks is highly desirable. 
                  • Professional certifications (e.g., ICA, ACAMS, CISI) are highly desirable. 

Benefits

Why join YouLend? 

  • 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 Team: Our Legal team recently won "In-House Banking & Financial Services Team of the Year" at The Lawyer Awards, showcasing our commitment to excellence and industry leadership. 
      • 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 
                • 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. 

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