Fraud & Financial Crime Associate

What’s Yonder?

“It's as if Time Out, Amex and Monzo had a baby” - Will T, Yonder Member

We’re building the financial membership of the future. One that works for how you live now. Not how your parents banked in the ‘90s.

Yonder combines credit and debit in one membership, designed to be fair, flexible, and actually enjoyable to use. No confusing terms. No dusty points system. Just rewards that actually feel rewarding - from bao to beer to a boarding pass.

We raised £23.4M in September 2024 to grow the team, launch even better rewards, and expand beyond the UK. If that sounds good to you, you’ll probably like it here. 🎉

We’re looking for a Fraud & Financial Crime Associate to join our growing Operations team based in either London or Cardiff
.

You’ll play a key role in protecting Yonder and our members by investigating fraud, detecting suspicious activity, and helping prevent financial crime. You’ll work across both fraud investigations and financial crime monitoring
, using data, judgement, and empathy to make fair, evidence based decisions.

You’ll be part of a small, collaborative team working across both locations, tackling everything from unauthorised transactions to complex account reviews. Some days you’ll be investigating fraud claims, others you’ll be reviewing AML alerts or assessing unusual account behaviour.

If you’re curious, analytical, and passionate about protecting people and doing the right thing, you’ll thrive in this role.

Here’s a flavour of what your typical week could look like:

• Investigate fraud cases including transactional fraud, application fraud, and authorised push payment scams, gathering evidence and assessing outcomes.
• Review account and transaction alerts to detect suspicious activity or potential financial crime risks, escalating cases where needed.
• Conduct account reviews to identify unusual behaviour or red flags related to money laundering, sanctions, or other criminal activity.
• Communicate directly with members by chat, email, or phone to understand their situation, gather key information, and explain next steps clearly and fairly.
• Collaborate with internal teams to ensure accurate, timely investigation handling and consistent decision-making.
• Support continuous improvement by spotting process gaps, suggesting system enhancements, and helping refine our detection rules and workflows.
• Protect Yonder’s reputation by ensuring every decision is well-documented, compliant, and delivered with empathy and integrity.

Please note our shift patterns range from 7am-7pm including some weekends (but this could change). We believe that staying close with our members is a priority so you’ll be expected to do some live interactions which means being flexible is a must.

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Have an investigative mindset – You’re naturally curious, ask smart questions, and enjoy piecing together complex information.

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Care about doing things right – You take pride in being accurate, fair, and thorough, even under pressure.

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Communicate with empathy and clarity – You can explain decisions and next steps in a reassuring, professional way to members.

✅
Are interested in financial crime and compliance – You either have experience or want to build expertise in fraud, AML, and financial crime prevention.

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Stay calm and decisive – You’re comfortable managing multiple cases, making judgement calls, and working in a fast-paced environment.

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Enjoy teamwork – You like sharing insights, supporting colleagues, and improving how things are done together.

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Prefer routine tasks – Every case is different, and you’ll need to think critically and adapt often.

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Avoid complex problems – This role involves ambiguity, data analysis, and tough calls.

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Struggle with direct communication – You’ll speak to members and partners regularly, sometimes delivering difficult but necessary messages.

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We’re office-first, remote-friendly

We’re coming to Cardiff soon, our new office in Brunel House is on the way. We’re in office at least 3 days a week, with everyone coming in on Mondays. During your first 6 weeks…