Financial Crime Operations Manager

Company: WORKHUB AGENCY

Job Location: London, England, United Kingdom

Job Type: FULL_TIME - (HYBRID)

Job Salary: 0 USD per month.

Date Posted: April 05, 2025

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Job Description

About UsYouLend 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 seeking a Financial Crime Operations Manager to lead first-line financial crime operations. This role focuses on KYC, customer due diligence (CDD), transaction monitoring (TM), and fraud investigations, ensuring regulatory compliance and effective risk mitigation. This strategic role will oversee enhanced due diligence (EDD), fraud prevention, transaction monitoring and investigations, while building a high-performing team and driving continuous improvement in financial crime detection. KYC & Customer Due Diligence (CDD):Oversee enhanced due diligence (EDD) for high-risk customers and manage periodic CDD refresh and ongoing screening for PEPs, sanctions, and adverse media.Investigate CDD alerts, including material changes triggering reviews.Financial Crime Risk & Investigations:Conduct transaction monitoring investigations and escalate cases requiring compliance review or external reporting (e.g., SARs).Manage transaction monitoring systems, fine-tuning thresholds and detection rules for improved fraud identification.Analyse transaction patterns to detect suspicious activity, money laundering schemes, and fraud risks.Develop and implement fraud prevention frameworks, policies, and risk mitigation strategies.Fraud Detection & Risk ManagementLeverage AI-driven fraud detection tools, data analytics, and forensic techniques.Monitor emerging fraud trends and enhance risk strategies accordingly.Collaborate with industry peers and law enforcement agencies to improve fraud intelligence sharing.Team Leadership & Development:Build and lead a financial crime operations team, recruiting, training, and mentoring specialists.Establish KPIs and performance metrics to measure fraud detection and investigation effectiveness.Process Improvement & Compliance:Lead change initiatives, enhance fraud detection workflows, and optimise monitoring systemsTrain internal teams on fraud awareness and risk management best practices.Reporting & Insights:Prepare financial crime reports for senior management.Build custom reports and dashboards using Metabase and SQL to monitor fraud trends and key risk indicators.Essential:5+ years in financial crime operations within the financial services industry, ideally in a fintech, PI, EMI or a similar regulated entity.ICA Diploma in AML or equivalent qualification.Strong understanding of AML frameworks, fraud prevention, and transaction monitoring, including knowledge of financial crime regulations (including the FCA Handbook, JMLSG Guidance, and Payment Services Regulations (PSRs))Proven experience in managing investigations, escalation, fraud prevention and transaction monitoring.Proven leadership experience in building and managing financial crime operational teams.Desirable:Expertise in KYC/CDD processes, fraud risk assessment, and financial crime analytics.Strong problem-solving and decision-making skills with an analytical approach.Effective communication and stakeholder management.Ability to drive process improvements and implement financial crime detection tools.Salary: £65,000 - 70,000 + 20% annual bonus 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 Fintech: YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.We offer comprehensive benefits package that includes:Stock OptionsPrivate Medical insurance via Vitality EAP with Health AssuredEnhanced Maternity and Paternity LeaveModern and sophisticated office space in Central LondonFree Gym in office building in HolbornSubsidised Lunch via FeedrCycle to work schemeDeliveroo Allowance if working late in officeMonthly in office MasseuseTeam and Company SocialsFootball Power League / Squash ClubAt 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.

About WORKHUB AGENCY

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Application Deadline: April 05, 2025

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