KYC Analyst

Why We Exist At Raylo, were on a mission to accelerate the move to a circular economy. The only way customers and manufacturers will make that shift is if its simple and cost-effective - this is where we come in. Were building a category-defining global marketplace, making premium tech available via subscription for both consumers and businesses. With over 100,000 subscribers in the UK and growth accelerating, weve proven the demand for a smarter, more sustainable way to access technology. Raylo is a B Corp-certified company, driven by purpose and backed by leading investors including NatWest, Channel 4 Ventures, Macquarie, Octopus Ventures, and Telefnica. Weve been recognised as part of Tech Nations Future Fifty programme , and acknowledged by S&P Global as a Green Financing company. Raylo is also proud to be an Endeavor company , underscoring our role as a high-impact, mission-driven business with global ambitions. At Raylo, performance matters. We set ambitious goals, move fast, and hold ourselves to a high standard, because our mission is too important to settle for less. Our Vision "Raylo is the technology powering a world where fewer products are manufactured, and those that are, get an extended life through our managed cycle of refurb, reuse, and recycle." Our Core Values Be deeply curious We thrive on innovation through diverse approaches, views, and people. Walk in your customers shoes To build the best products and make the best decisions for the long term, we must figure out what our customers need, not just what they want. Focus and execute We have a big vision, but we believe in nailing the most important problems first. Be gritty Only gritty teams succeed. Our individual ownership, passion, and perseverance mean were a team through thick and thin. What to Expect As a KYC Analyst, youll be at the heart of Raylos mission, ensuring that our leasing proposition is delivered responsibly while protecting both our customers and business from fraud. You will work closely with the Risk Ops Manager to drive efficiency, oversee application referrals, and develop processes that enhance the integrity of our risk operations. Your role will be pivotal in optimising onboarding journeys, resolving fraud-related issues, and improving the customer experience. You will leverage industry-leading fraud prevention and consumer credit tools to analyse risk trends, identify vulnerabilities, and refine processes. In this dynamic environment, youll have the opportunity to develop strategies that enhance fraud detection capabilities while enabling sustainable growth for Raylo. Your work will contribute directly to improving the efficiency and effectiveness of Raylos Risk Operations team. With your expertise, youll play a key role in shaping risk strategies that align with our business objectives, all while working in a fast-paced, data-driven environment. What Youll Do Manage customer and business application referrals Use fraud, credit, and KYC platforms to deliver objective, high-quality decisions in an efficient and customer-friendly manner. Lead fraud investigations Conduct in-depth investigations, gathering and analysing evidence to ensure compliance, mitigate risks, and uphold fairness in decision-making. Optimise risk workflows Identify inefficiencies in existing processes and implement improvements to enhance fraud prevention and approval rate. Monitor risk trends and emerging fraud tactics Stay ahead of industry fraud threats, identifying trends and vulnerabilities to refine risk policies. Develop fraud detection strategies Work cross-functionally to design and refine fraud prevention techniques, leveraging automation and AI-driven insights where applicable. Mentor and develop junior team members Support skill development and knowledge sharing within the team to foster continuous learning and improvement. Ensure flexibility in Risk Operations Some evening or weekend work may be required to maintain robust fraud detection and underwriting processes. Youll Succeed With A degree-level education Strong analytical mindset with experience in Google Sheets/Excel and data visualisation tools like Looker, Power BI, or Tableau. Meticulous attention to detail Youll have a keen eye for spotting anomalies and inconsistencies that could indicate fraud. Excellent written and verbal communication skills , enabling you to explain complex risk scenarios and interact effectively with internal and external stakeholders. Problem-solving and adaptability Youll thrive in a fast-moving, dynamic environment where new fraud threats emerge regularly. Passion for innovation Youll be motivated to continually improve risk detection strategies, leveraging new technologies and data insights. Opportunities & Benefits We are continuously improving and listening to our quarterly employee surveys to provide the best opportunities and benefits for our employees. Share in Raylos success Stock options for all employees Get the latest tech Exclusive Raylo device lease for employees Hybrid working model that balances flexibility with in-person collaboration, empowering you to do your best work while staying connected with the team. 33 days off, your way 25 days + 8 bank holidays with full flexibility to use on the days that mean the most to you Invest in your growth L&D budget to support the skills you value Fast-track your career Two performance reviews a year Family-first policies Enhanced maternity, paternity, adoption or shared parental leave, if youve been with us for 12 months. Save big on childcare Workplace nursery scheme for major cost savings Perks on perks Perkbox membership with discounts & wellbeing benefits Good times, guaranteed Optional quarterly socials, plus summer & Christmas parties Hiring Process Whats next? Once you submit your application, our Talent Team will contact you if you have been shortlisted for the role. We set an exceptionally high bar at Raylo, and in return, we will aim to give you the best candidate experience possible. If there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason, please let us know. Stage 1: Talent Screening (30-45 minutes) Stage 2: Hiring Manager Interview (45 minutes) Stage 3: Task Stage: Take-home Task and Review (60 minutes) Stage 4: Values-based Interview (45 minutes) & Co-founder Final Interview (45 minutes) As an FCA-regulated business, we conduct background checks (DBS and AML) on all successful candidates who are offered a position at Raylo during the onboarding process. Diversity & Inclusion at Raylo At Raylo, we celebrate diversity and are committed to creating an inclusive workplace where everyone can thrive. We welcome people of all backgrounds, experiences, and perspectives, believing they make us stronger.