# Deputy MLRO UK & EU at YouLend

YouLend is hiring a Deputy MLRO UK & EU in London, United Kingdom. Level rates it Little AI ●○○○; you can [apply on Level](https://jobsbylevel.com/go/05cf357b-4b83-4a69-8f47-7bc425ff1822).

AI Level 1, AI centrality 36 out of 100. London, Greater London.

## Details

- Company: [YouLend](https://jobsbylevel.com/companies/youlend)
- AI level: AI Level 1 (score 36 out of 100)
- Location: London, Greater London
- Posted: October 9, 2026
- Apply: https://jobsbylevel.com/go/05cf357b-4b83-4a69-8f47-7bc425ff1822

## Description

The Deputy MLRO will deputise for the MLRO & Head of Financial Crime and help ensure that YouLend's financial crime framework remains effective, risk-based and aligned with our continued growth across the UK and EU. 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 on owning, assuring and future-proofing the framework, including readiness for the EU AML Regulation in July 2027, so that it remains proportionate to YouLend's business model, regulatory obligations and risk appetite. The role will act as Nominated Officer under delegated authority from the MLRO, provide named cover across the UK and EU entities, and work with the Danish MLRO. It will work closely with Legal, Regulatory Compliance, Financial Crime Operations, Product, Data, Engineering, Transformation and Commercial teams, and will support the Risk & Compliance Committee and regulatory engagement and reporting where required. Key Responsibilities Nominated Officer Cover & Financial Crime Framework Deputise for the MLRO as Nominated Officer under the Proceeds of Crime Act 2002 and the Terrorism Act 2000, taking SAR and DAML decisions under a written delegation when the MLRO is unavailable. Support the ongoing refinement of YouLend's financial crime framework across the UK and EU, including AML/CTF, screening, KYC/KYB, customer risk assessment, transaction monitoring, ongoing monitoring and SAR processes. Contribute to 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. Provide enhanced due diligence, PEP and high-risk sign-off within delegated limits, and escalate decisions above them to the MLRO. Work closely with Financial Crime Operations to ensure controls are applied consistently, efficiently and in line with YouLend's policies and risk appetite, including oversight of outsourced due diligence providers. Review and refine transaction monitoring, KYC/KYB and AML processes, working closely with Operations, Product, Data, Engineering and Transformation teams, and identify responsible opportunities to use automation and AI. Governance & Regulatory Engagement Act as a key financial crime contact for regulators, law enforcement, external advisors and internal stakeholders, as appropriate, including the FCA and the Danish FSA. Support the Risk & Compliance Committee, including papers, MI, 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. Support regulatory notifications, information requests, audits, thematic reviews and other regulatory engagement relating to financial crime, and contribute to the annual MLRO report. Lead readiness for the EU AML Regulation, including customer due diligence design decisions for markets such as Germany and France. 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

The description is cut here. Read the full offer: https://jobsbylevel.com/jobs/deputy-mlro-uk-eu-at-youlend-3594d4

Source: https://jobsbylevel.com/jobs/deputy-mlro-uk-eu-at-youlend-3594d4

## Cite this page

Level. https://jobsbylevel.com/jobs/deputy-mlro-uk-eu-at-youlend-3594d4.

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