Head of Financial Crime & MLRO

About the role

About Us: YouLend is a rapidly growing FinTech and embedded financing platform used by leading e-commerce platforms, technology companies and payment service providers. Our platform enables partners to offer flexible financing products to their merchant base under their own branding, without capital at risk. We operate across the UK, EU and US, with offices in London, Atlanta and Berlin, and support partners including eBay, Amazon, Shopify and Stripe. YouLend is backed by EQT and continues to scale its product, geographic and regulatory footprint. The Role: The Head of Financial Crime & MLRO will lead YouLend's financial crime function and ensure that our financial crime framework remains effective, risk-based and aligned with our continued growth across the UK, EU and US. YouLend has made significant investment in its financial crime infrastructure, including enhancements to KYC/KYB, AML controls, transaction monitoring, screening, MI, governance and Financial Crime Operations. This is not a greenfield role. The focus is now on owning, refining, assuring and future-proofing the framework so that it remains proportionate to YouLend's business model, regulatory obligations and risk appetite. The role will work closely with Legal, Regulatory Compliance, Financial Crime Operations, Product, Data, Engineering, Transformation and Commercial teams. It will also own key financial crime governance forums, including the Financial Crime Committee, and support regulatory engagement and reporting where required. Financial Crime Strategy & Framework Own YouLend's financial crime strategy across the UK, EU and US, ensuring that the framework remains effective, proportionate and aligned to YouLend's business model, regulatory obligations and risk appetite. Lead the ongoing refinement of YouLend's financial crime framework, including AML/CTF, screening, fraud, KYC/KYB, customer risk assessment, transaction monitoring, ongoing monitoring and SAR processes. Maintain and enhance YouLend's financial crime risk assessments, including the Business Wide Risk Assessment, Customer Risk Assessment, Country Risk Assessment and relevant product, partner and channel risk assessments. Ensure financial crime policies, standards and procedures remain current, practical and embedded across relevant first and second line teams. Provide senior financial crime advice to the business on new products, partners, markets, operational changes and strategic initiatives. Systems, Controls & Financial Crime Operations Oversee the effectiveness of YouLend's financial crime systems and controls, including CDD, screening, transaction monitoring, escalation processes, SAR decisioning, high-risk customer management and ongoing monitoring. Work closely with Financial Crime Operations to ensure financial crime controls are applied consistently, efficiently and in line with YouLend's policies and risk appetite. Set clear standards for escalations, investigations, closure rationale, quality assurance and operational decision-making. Review and refine transaction monitoring, KYC/KYB and AML processes, working closely with Operations, Product, Data, Engineering and Transformation teams. Review third-party financial crime tools and identify responsible opportunities to use automation and AI to improve efficiency, consistency, quality assurance, monitoring and MI. Governance & Regulatory Engagement Act as MLRO and key financial crime contact for regulators, law enforcement, external advisors and internal stakeholders, as appropriate. Own the Financial Crime Committee, including agenda setting, MI, papers, action tracking and escalation of material issues. Refine financial crime MI so that senior stakeholders have clear insight into risk trends, control effectiveness, operational performance, backlogs, alerts, SARs, high-risk customers, screening outcomes and agreed actions. Prepare clear and concise reporting for senior management, board-level forums and regulators where required. Support regulatory notifications, information requests, audits, thematic reviews and other regulatory engagement relating to financial crime. Assurance, Monitoring & Continuous Improvement Lead and support financial crime compliance assurance reviews, thematic reviews and control testing. Track assurance actions through to closure, ensuring outcomes are clearly documented and appropriately evidenced. Use MI, assurance findings and operational feedback to identify trends, improve controls and support continuous improvement. Ensure relevant first and second line teams are trained and equipped to identify, escalate and manage financial crime risks. Continue to mature YouLend's risk-based approach, ensuring controls are commercially workable while remaining regulatorily defensible. Essential Qualifications and Experience: Significant experience in financial crime within regulated financial services, ideally within a payment institution, electronic money institution, fintech, SME lending, me

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