Compliance Data & Automation Analyst

About YouLend:

YouLend is one of the fastest-growing embedded finance platforms in the world, partnering with leading e-commerce marketplaces, payment processors and banks to provide revenue-based financing to small businesses. We operate across multiple jurisdictions including the UK, EU and US, and we're building the infrastructure, controls and capabilities needed to do that at scale. 

We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe 

Our Transformation team sits at the heart of that effort. It owns the operating model for merchant onboarding, systems automation, third-party tooling and business efficiency. This role is a new addition to that team — dedicated to building data and automation capability in support of our Financial Crime Compliance and Regulatory Compliance functions. 

The Role:

This is a hands-on data, automation and systems role. You will sit in the Transformation team and work closely with Financial Crime Compliance (FCC), Regulatory Compliance and the wider Data and Legal function to build the technical infrastructure that keeps our compliance framework effective, scalable and audit-ready. 

Right now, too much of our MI is produced manually. Transaction monitoring rules are hard to tune without dedicated analytical support. Reporting across UK, EU and US jurisdictions is growing in complexity. And our compliance teams spend time on workflow management that could be handled by better dashboards and tooling. This role exists to fix that. 

You will not be a BAU financial crime analyst. FCC and Regulatory Compliance will retain ownership of the control framework, regulatory interpretation, risk judgments and MLRO decisions. Your job is to give those teams the data, tooling and automation they need to do their work better — and to help us build smarter compliance infrastructure as we scale. 

The initial focus will be Financial Crime Compliance, expanding into Regulatory Compliance and then broader Transformation priorities across customer onboarding, process efficiency and automation. 

Over time, you will also support wider Transformation priorities across the customer onboarding production line, including workflow optimisation, third-party tooling, process automation and operational performance. 

Requirements

MI, Dashboards and Governance Automation

• Build and maintain dashboards for Financial Crime and Regulatory Compliance KPIs. 

• Automate the production of recurring MI and governance reporting, including the monthly Financial Crime Committee pack. 

• Improve consistency of reporting definitions, data logic, governance materials and audit trails. 

• Identify anomalies in MI and support root-cause analysis. 

• Move reporting away from manual, spreadsheet-heavy processes towards repeatable, scalable and controlled outputs. 

Transaction Monitoring Support

• Support analysis, testing, tuning and refinement of transaction monitoring rules. 

• Use data and operational feedback to reduce false positives and improve control effectiveness. 

• Analyse AML, KYC, KYB, fraud and transaction monitoring data to identify patterns, trends, anomalies and control gaps. 

• Help assess emerging financial crime typologies and translate findings into monitoring, dashboarding or workflow improvements. 

• Document rule logic, tuning rationale, data assumptions and control changes. 

Regulatory and Audit Data Support 

• Support data collation for regulatory reporting, audit requests and control testing across relevant jurisdictions. 

• Support thematic reviews and assurance work through extracts, analysis, trend reporting and evidence packs. 

• Ensure reporting outputs are based on clear definitions, checks and audit-ready documentation. 

Workflow and Jira Optimisation 

• Improve visibility over compliance escalations, including volumes, ageing, themes, routing and SLA tracking. 

• Build dashboards and reporting to support better workflow management across the compliance teams. 

• Identify root causes behind recurring escalations or operational friction. 

• Support investigations and escalations with data analysis, evidence packs, workflow MI and trend analysis, while substantive compliance decisions remain with FCC and the MLRO. 

• Help free up compliance capacity by reducing manual reporting and improving workflow visibility. 

Third-Party Tooling and Data Orchestration 

• Support implementation, optimisation and monitoring of onboarding, screening and monitoring tools. 

• Ensure tool outputs are usable for Compliance, Operations, audit and governance purposes. 

• Translate compliance and operational requirements into system, data and workflow requirements. 

• Identify where tooling can reduce manual effort, improve control visibility or improve the customer onboarding experience. 

• Support better integration between third-party tools, internal systems, dashboards and operational workflows. 

AI and Automation

• Develop controlled AI, low-code or automation use cases for compliance and transformation workflows. 

• Identify opportunities to automate recurring manual work across Compliance and customer onboarding. 

• Help develop practical use cases for anomaly detection and smarter monitoring using internal data. 

• Ensure AI-enabled work has appropriate human oversight, access controls, data governance and auditability. 

Wider Transformation Support 

• Support efficiency and automation projects across the customer onboarding production line. 

• Analyse onboarding workflows to identify bottlenecks, manual steps and automation opportunities. 

• Work with Product, Operations, Data, Legal and Compliance to improve process design, measurement and continuous improvement. 

• Build dashboards and MI to track onboarding performance, control effectiveness and operational throughput. 

• Support strategic Transformation initiatives by bringing strong data analysis, workflow thinking and practical execution. 

What We're Looking For:

We are looking for someone practical, analytical and delivery-focused. You should be comfortable working with data, asking good questions, building usable outputs and taking ownership of improvements from idea to implementation. 

You do not need to be a financial crime expert from day one, but you should be interested in financial crime, compliance, customer onboarding, regulated environments and how data can improve controls. 

You should also be comfortable working in a fast-paced, high-quality Transformation team where expectations are high, priorities move quickly and the focus is on delivering practical improvements.

Essential Skills:

• Strong data analysis capability, including SQL and experience working with large operational datasets. 

• Experience building dashboards and recurring MI using Power BI, Tableau, Looker, Metabase or similar tools. 

• Ability to translate business, compliance and operational requirements into dashboards, automation workflows and technical specs. 

• Strong understanding of data quality, data definitions, controls documentation and auditability. 

• Experience working cross-functionally with Compliance, Operations, Product, Data or Transformation teams. 

• Strong problem-solving skills — able to identify trends, anomalies, bottlenecks and root causes from data. 

• Familiarity with workflow optimisation, automation or low-code / no-code tooling. 

• Good judgment around data governance, access controls and the use of AI tools in regulated environments. 

• A genuine bias toward building and shipping, not just surfacing recommendations. 

• Strong communication skills — including the ability to explain data, risks and trade-offs to non-technical stakeholders. 

Desirable Skills:

• Experience in financial crime, AML, KYC/KYB or transaction monitoring, including familiarity with onboarding or screening tools such as Alloy or Moody's. 

• Python or other programming experience for data manipulation and analysis. 

• Experience supporting regulatory reporting, audit, assurance or control testing. 

• Familiarity with UK, EU or US financial crime or payments regulatory environments. 

• Experience building or safely deploying AI-enabled tools to support investigations, reporting, governance or operational workflows. 

• Experience working in fintech, payments, lending, banking, financial services or another regulated environment. 

• Experience improving customer onboarding, operational workflows or production-line processes. 

We are looking for someone practical, analytical and delivery-focused. You should be comfortable working with data, asking good questions, building usable outputs and taking ownership of improvements from idea to implementation. 

You do not need to be a financial crime expert from day one, but you should be interested in financial crime, compliance, customer onboarding, regulated environments and how data can improve controls. 

You should also be comfortable working in a fast-paced, high-quality Transformation team where expectations are high, priorities move quickly and the focus is on delivering practical improvements.

Your First Three Months:

We want you to hit the ground running, but also to onboard properly. In the first three months you'll: 

• Map existing FCC and Regulatory Compliance MI production processes and understand the current pain points. 

• Get under the hood of the current onboarding rules, screening thresholds, customer risk models, transaction monitoring rules and dashboards. 

• Work with the Data team and current transaction monitoring owner to understand source data, definitions and dependencies. 

• Review the Financial Crime Committee pack and identify the fastest wins for automation. 

• Review Jira escalation data and propose dashboard and workflow improvements. 

• Build a prioritised six-month roadmap covering dashboards, MI automation, TM support, tooling optimisation and onboarding efficiencies. 

• Identify quick wins to reduce manual reporting and improve dashboard visibility. 

• Understand the wider customer onboarding production line and where automation, better data or improved tooling could reduce friction. 

Who You Are: 

This role suits someone who enjoys sitting at the intersection of data, systems, compliance and operational transformation. You might come from financial crime analytics, compliance data, operations analytics, product operations, business intelligence, or a data role in fintech or a regulated environment. 

What matters most is that you are someone who takes ownership, moves with urgency, works collaboratively and builds practical solutions that make a visible difference. You don't wait to be told what the problem is — you find it, frame it and fix it. 

You'll be joining a high-quality, hard-working and strategic team where your work will matter. The compliance infrastructure you build here will support real regulatory outcomes, strengthen operational resilience and help YouLend scale responsibly. 

Benefits

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024, 2025 and 2026” 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. 

It’s just getting fun: 

• We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.

• But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.

Lots of upsides: 

• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).

• Well-capitalised with supportive private equity backing.

• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

Motivating work environment:

• A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.

• Strong and transparent team culture, we have each other’s backs.

• Independent work environment where results matter.

• Data-driven culture and emphasis on speed (anti-red tape).

We offer a comprehensive benefits package that includes:

• Stock Options 

• Private Medical insurance via Vitality and Dental Insurance with BUPA

• 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 / Paddle and Yoga 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.