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. 🎉

Sounds cool. What’s my part in this?

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.

What you’ll do

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.

You're a great fit if you

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

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

✅ 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.

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

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

You won’t be a great fit if you

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

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

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

What’s it like working at Yonder?

🏢 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 of training, you’ll need to come into the office full-time.

🤍 We take a values-led approach

Our principles are incredibly important to us, so we recommend you check them out here: Our DNA

📚 We take development really seriously

We have a pretty structured process for progression, with fortnightly one-on-ones and quarterly peer perspectives. We also take some time at the end of each week to reflect and celebrate what we’ve learned and achieved.

What’s in it for me?

Depending on your skill set and what you can bring from day one, you’ll be looking at:

💰 £28,259 - £29,648 annual salary depending on experience

📈 £15,982 - £18,762 stock options

Plus

✈️ 35 holidays (27 days annual leave + 8 days public leave)

⛷ Regular team-building trips and activities

❤️‍🩹 Private healthcare with Vitality, including mental health, dental & vision cover

🐣 16 weeks enhanced parental leave for all parents after being with Yonder for 1 year

🧠 Learning & training allowance (£750/year) that you can use on books, courses, etc

🚴 Cycle-to-work scheme

💳 We’re all customers of our own product so you can get a Yonder membership as well

What’s the interview process like?

We take the candidate experience really seriously, so we’ve made the process as transparent as possible. We also promise to be super responsive, and will never leave you wondering where you stand for weeks on end.

Here’s how it works:

• Stage 1: Intro call (60 mins):
  You will have an initial Zoom call with Antony to find out more about you and to tell you more about us.
• Stage 2: Technical Task & Values based interview (2 hours):
  This stage will be held in our office, and you’ll meet with the wider team

1. We’ll run through a technical task to see your investigation skills in action. This will take approximately 60 minutes.
2. This will be followed by a values based interview: We’ll want to learn more about how you work - we’ll ask you questions related to our principles (Our DNA). This stage will be with two people from our wider team. This will take approximately 60 minutes.

• Stage 3: Following reference checks, ideally with a previous manager, if everyone’s happy we’ll make you an offer to join us - YAY! 🎉 We hope to always give you a decision between each stage within 24 hours (where possible)

Other things to know:

• We love closing the feedback loop at Yonder. You can expect specific feedback on our decision from Stage 2 onwards, and you can always ask for more.
• We must complete the right to work, credit checks, and criminal background checks for every new Yonder-er for compliance purposes because we handle sensitive customer data.
• We also do reference checks, ideally with your most recent manager on the phone.
• We like to move quickly at Yonder, so we will be ready to onboard you once the above checks are complete - the entire process can take between 2 - 6 weeks.

🌈 We know that diverse teams build better products. If you’re from an under-represented community, we’d especially love to hear from you.

👉 Even if you don’t feel 100% qualified, please do apply anyway. Your attitude and desire to grow are just as important as your experience.