Fraud & Financial Crime Associate

Overview Join to apply for the Fraud & Financial Crime Associate role at Yonder 1 day ago Be among the first 25 applicants Get AI-powered advice on this job and more exclusive features. What’s Yonder? We’re building the financial membership of the future. One that works for how you live now. Not how your parents banked in the ‘90s. Yonder combines credit and debit in one membership, designed to be fair, flexible, and actually enjoyable to use. No confusing terms. No dusty points system. Just rewards that actually feel rewarding - from bao to beer to a boarding pass. We raised £23.4M in September 2024 to grow the team, launch even better rewards, and expand beyond the UK. If that sounds good to you, you’ll probably like it here. Sounds cool. What’s my part in this? We’re looking for a Fraud & Financial Crime Associate to join our growing Operations team based in either London or Cardiff. What you’ll do You’ll play a key role in protecting Yonder and our members by investigating fraud, detecting suspicious activity, and helping prevent financial crime. You’ll work across both fraud investigations and financial crime monitoring, using data, judgement, and empathy to make fair, evidence based decisions. You’ll be part of a small, collaborative team working across both locations, tackling everything from unauthorised transactions to complex account reviews. Some days you’ll be investigating fraud claims, others you’ll be reviewing AML alerts or assessing unusual account behaviour. If you’re curious, analytical, and passionate about protecting people and doing the right thing, you’ll thrive in this role. Investigate fraud cases including transactional fraud, application fraud, and authorised push payment scams, gathering evidence and assessing outcomes. Review account and transaction alerts to detect suspicious activity or potential financial crime risks, escalating cases where needed. Conduct account reviews to identify unusual behaviour or red flags related to money laundering, sanctions, or other criminal activity. Communicate directly with members by chat, email, or phone to understand their situation, gather key information, and explain next steps clearly and fairly. Collaborate with internal teams to ensure accurate, timely investigation handling and consistent decision-making. Support continuous improvement by spotting process gaps, suggesting system enhancements, and helping refine detection rules and workflows. Protect Yonder’s reputation by ensuring every decision is well-documented, compliant, and delivered with empathy and integrity. Please note our shift patterns range from 7am-7pm including some weekends (but this could change). You’ll be expected to do some live interactions, which means being flexible is a must. You’re a great fit if you Have an investigative mindset – You’re naturally curious, ask smart questions, and enjoy piecing together complex information. Care about doing things right – You take pride in being accurate, fair, and thorough, even under pressure. Communicate with empathy and clarity – You can explain decisions and next steps in a reassuring, professional way to members. Are interested in financial crime and compliance – You either have experience or want to build expertise in fraud, AML, and financial crime prevention. Stay calm and decisive – You’re comfortable managing multiple cases, making judgement calls, and working in a fast-paced environment. Enjoy teamwork – You like sharing insights, supporting colleagues, and improving how things are done together. You won’t be a great fit if you Prefer routine tasks – Every case is different, and you’ll need to think critically and adapt often. Avoid complex problems – This role involves ambiguity, data analysis, and tough calls. Struggle with direct communication – You’ll speak to members and partners regularly, sometimes delivering difficult but necessary messages. What’s it like working at Yonder? We’re office-first, remote-friendly. We’re coming to Cardiff soon, our new office in Brunel House is on the way. We’re in office at least 3 days a week, with everyone coming in on Mondays. During your first 6 weeks of training, you’ll need to come into the office full-time. We take a values-led approach. Our principles are incredibly important to us, so we recommend you check them out here: Our DNA. We take development seriously with a structured progression process, fortnightly one-on-ones, and quarterly peer perspectives, plus weekly reflection and celebration of what we’ve learned and achieved. What’s in it for me? Depending on your skill set and what you can bring from day one, you’ll be looking at: £28,259 - £29,648 annual salary depending on experience £15,982 - £18,762 stock options Plus: 35 holidays (27 days annual leave + 8 days public leave) Regular team-building trips and activities Private healthcare with Vitality, including mental health, dental & vision cover 16 weeks enhanced parental leave for all parents after being with Yonder for 1 year Learning & training allowance (£750/year) Cycle-to-work scheme We’re all customers of our own product so you can get a Yonder membership as well What’s the interview process like? We take the candidate experience seriously and have made the process transparent. We promise to be responsive and will not leave you wondering where you stand for weeks. Stage 1: Intro call (60 mins) with Antony to learn about you and share more about us. Stage 2: Technical Task & Values-based interview (2 hours) held in our office; meet the wider team. A 60-minute technical task and a 60-minute values interview. Stage 3: Reference checks; if everyone’s happy, we’ll make an offer. We aim to provide a decision within 24 hours after each stage where possible. Other things to know: We provide feedback on decisions from Stage 2 onwards; we complete right to work, credit checks, and criminal background checks for compliance; we may perform references with your most recent manager. The full process can take 2-6 weeks. We value diversity and would love to hear from under-represented communities. Even if you’re not 100% qualified, please apply — attitude and growth potential matter as well. We love closing the feedback loop at Yonder. You can expect specific feedback on our decision from Stage 2 onwards. We will complete right to work, credit checks, and criminal background checks for compliance purposes because we handle sensitive customer data. We also do reference checks, ideally with your most recent manager on the phone. We move quickly; onboarding can occur once checks are complete (2-6 weeks). We know that diverse teams build better products. If you’re from an under-represented community, we’d especially love to hear from you. Even if you don’t feel 100% qualified, please apply anyway. Your attitude and desire to grow are important. Seniority level Entry level Employment type Full-time Job function Finance and Sales Referrals increase your chances of interviewing at Yonder by 2x Location: Bristol, England, United Kingdom #J-18808-Ljbffr