KYC Associate

Why We Exist

Our mission is to accelerate the transition to a circular economy. But for customers and businesses to embrace this shift, it needs to be both cost-effective and simple, and that’s where we come in. Our technology platform enables the lease-and-reuse of devices, making them more sustainable, accessible, and affordable.

The demand speaks for itself. We've quadrupled our ARR in just three years, with 100K+ billing customers proving the success of our model. To date, we’ve leased over 100,000 devices and earned an Excellent 4.5-star rating from 15,000+ Trustpilot reviews, redefining tech ownership, one lease at a time.

As a B-Corp certified company, we’re driven by purpose and backed by NatWest, Channel 4 Ventures, Macquarie, Octopus Ventures, and Telefónica. Their support fuels our mission to make smarter, more sustainable tech access the norm because the future of technology shouldn’t come at the cost of the planet.

If you're ready to make a difference and be part of something big, join us at Raylo and help shape the future of tech. It’s not just about reducing waste, it's about creating a smarter, more sustainable future for all.

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 customer’s 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 we’re a team through thick and thin.

What to Expect

As a KYC Associate, you’ll be at the heart of Raylo’s 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, you’ll 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 Raylo’s Risk Operations team. With your expertise, you’ll 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 You’ll 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.

You’ll Succeed With

• 2+ years of experience in credit underwriting, fraud prevention, or risk management within an FCA-regulated consumer finance business.
• Proficiency in KYC verification and fraud detection tools, such as CIFAS, ComplyAdvantage, or similar platforms.
• Strong analytical mindset with experience in Google Sheets/Excel and data visualisation tools like Looker, Power BI, or Tableau.
• Meticulous attention to detail – You’ll 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 – You’ll thrive in a fast-moving, dynamic environment where new fraud threats emerge regularly.
• Passion for innovation – You’ll 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 Raylo’s success – Stock options for all employees
• Get the latest tech – Exclusive Raylo device lease for employees
• 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 – 5 months full pay for primary caregivers, 1 month for secondary caregivers
• 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

What’s 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: Case Study or Take-home Task (60-90 minutes)
• Stage 4: Values-based Interview (45 minutes)
• Stage 5: 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.