UpCredit
Senior Financial Crime Analyst
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Reporting to: Head of Risk Management
Employment Type: Permanent
Location: Remote
Company Description
At UpCredit Limited, we’re embarking on an exciting new journey in the UK. We're part of a US-listed parent company that is a leader in consumer credit technology, and we're on a mission to provide accessible and affordable credit, leveraging our AI-powered credit assessment capabilities.
We have a proven track record of serving both financial institutions and individuals and we are now bringing that expertise to the UK, starting with a new personal loan product.
This is where you come in. We're building a dynamic team of passionate and forward-thinking individuals who are ready to tackle new challenges, innovate, and grow with us. At UpCredit, you will be part of a collaborative environment where your ideas and contributions are valued, and you’ll have the opportunity to shape the future of financial services in the UK.
Role Overview
The Senior Financial Crime Analyst will support the design, operation, and ongoing enhancement of financial crime controls within a fast-growing digital personal loans business. The role focuses on protecting the firm from fraud, money laundering, and other financial crime risks through data-driven monitoring, effective controls, and robust analysis.
This is a hands-on role suited to an analytically minded individual comfortable working with large datasets, digital platforms, and evolving financial crime threats.
Key Responsibilities
Fraud Risk Management
- Monitor fraud performance across digital acquisition and customer journeys, including application and first payment default risks
- Analyse fraud typologies, trends, and emerging threats within a digital lending context
- Deliver improvements to fraud controls to balance risk mitigation and customer experience
- Support the development and optimisation of fraud prevention tools, strategies, rules, and controls
- Investigate suspicious activity and report confirmed financial crime in line with agreed processes
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AML & Transaction Monitoring
- Support the operation of the firm’s AML framework, including customer risk assessments and transaction monitoring
- Review alerts generated through automated systems to identify potential money laundering risks
- Conduct investigations and document findings in line with regulatory and internal requirements
- Escalate suspicious activity and support the preparation of Suspicious Activity Reports (SARs), where appropriate
- Monitor effectiveness of AML controls and identify areas for enhancement
Data Analysis & Monitoring
- Analyse financial crime data to identify trends, risks, and control weaknesses
- Develop and maintain MI and reporting on key financial crime metrics (e.g. fraud rates, alert volumes, conversion rates)
- Investigate anomalies and provide insight into emerging risks or control gaps
- Support the use of data and analytics to improve detection capabilities and reduce false positives
Controls, Systems & Optimisation
- Support the development and tuning of rules within fraud and AML monitoring systems
- Assist in testing and validating new controls, models, or data sources
- Contribute to improving automation and efficiency within financial crime processes
Regulatory & Compliance Support
- Ensure financial crime controls align with FCA requirements and relevant legislation (e.g. Money Laundering Regulations)
- Maintain clear and auditable records of investigations and decision-making
- Support internal audits, compliance reviews, and regulatory requests
- Contribute to financial crime policies, procedures, and internal documentation
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Stakeholder Engagement
- Work closely with Risk, Compliance, Operations, and Product teams
- Provide clear and accurate reporting on financial crime risks and issues
- Share insights and recommendations to improve controls and processes
- Support training and awareness across the business where relevant
Skills & Competencies
- Strong analytical and investigative skills
- Attention to detail and ability to assess risk effectively
- Proficiency in Excel and data analysis tools (SQL or similar desirable)
- Ability to interpret data and identify patterns or anomalies
- Clear and concise written and verbal communication skills
- Commercial awareness and balanced approach to risk and customer experience
- Comfortable working in a digital, fast-paced environment
Knowledge & Experience
Essential
- Experience in financial crime, fraud, AML, or similar role within financial services or fintech
- Understanding of UK financial crime regulation (e.g. FCA expectations, Money Laundering Regulations)
- Exposure to fraud prevention tools, transaction monitoring systems, or screening solutions
- Experience reviewing alerts, investigations, or transaction monitoring outputs
Desirable
- Experience in a digital lender, fintech, or online customer journey
- Experience using data to improve fraud or AML detection performance
- Familiarity with open banking or alternative data sources
- Experience in a scaling or high-growth business
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