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Financial Crime Manager & DMLRO

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YouLend

8d ago

  • Job
    Full-time
    Senior Level
  • Legal
    Banking & Finance
  • London

AI generated summary

  • You need 5+ years in financial crime compliance, strong UK/EU AML knowledge, experience in monitoring and KYC/CDD, excellent communication skills, and ideally relevant certifications.
  • You will enhance AML frameworks, oversee transaction monitoring, ensure KYC and fraud prevention, prepare reports, drive automation, conduct quality assurance, update policies, and deliver training.

Requirements

  • 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.

Responsibilities

  • 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.

FAQs

What are the main responsibilities of the Financial Crime Manager & DMLRO role?

The main responsibilities include enhancing and executing the financial crime framework, overseeing transaction monitoring and investigations, ensuring compliance with AML regulations, preparing financial crime MI reports, leveraging technology for automation, conducting quality assurance reviews, updating policies, and delivering training across business teams.

What qualifications are required for the Financial Crime Manager & DMLRO position?

Candidates should have 5+ years of experience in financial crime compliance or related fields, strong knowledge of UK and EU AML regulations, experience in transaction monitoring, KYC/CDD, and strong communication skills, along with professional certifications (e.g., ICA, ACAMS) being desirable.

Is experience in fintech necessary for this role?

While not mandatory, experience in fintech, payments, or other high-growth companies is preferred.

What is the size of the team that the Financial Crime Manager & DMLRO will be working with?

The Financial Crime Manager & DMLRO will be working under the Head of Financial Crime & MLRO and will likely collaborate with compliance, operations, product, and tech teams, including mentoring junior compliance team members.

What employee benefits does YouLend offer?

YouLend offers a comprehensive benefits package that includes stock options, private medical insurance, enhanced maternity and paternity leave, a modern office in Central London, free gym access, subsidized lunches, Deliveroo allowances for late work, monthly massages in the office, and various social activities.

What geographical regions does YouLend operate in?

YouLend operates in the UK, EU, and the US.

Does YouLend champion diversity in its hiring practices?

Yes, YouLend champions diversity and embraces equal opportunity employment practices, ensuring decisions are based on qualifications and merit without discrimination.

Are there opportunities for growth within the Financial Crime Manager & DMLRO role?

Yes, this role provides opportunities for personal and professional growth, including taking a hands-on role in investigations, monitoring, framework enhancements, and contributing to strategic initiatives.

Will there be training available for new employees in this role?

Yes, the Financial Crime Manager & DMLRO will be responsible for delivering financial crime training across business teams to foster a strong compliance culture.

What is the company's recognition in the industry?

YouLend has been recognized as an award-winning workplace, with accolades such as “Best Places to Work 2024” by the Sunday Times and “Top 250 Fintech Worldwide” by CNBC.

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YouLend

Enabling e-commerce and payment platforms to support their merchants with fast, flexible embedded finance solutions

Finance
Industry
201-500
Employees
2016
Founded Year

Mission & Purpose

YouLend is the preferred embedded financing platform for many of the world’s leading providers in e-commerce, payments, and tech: eBay, Shopify, Mastercard, Mollie, Google, Just Eat Takeaway, and many more. Our software platform and APIs enable our partners to extend their value proposition by offering flexible financing products in their desired branding to their merchant base without necessarily putting capital at risk. With YouLend's data-backed credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We have offices in London, UK, and Atlanta, Georgia, and we operate across Europe and the United States. To find out more about how we create value for our partners and their customers, visit www.youlend.com or get in touch with a member of our team.