Younited

Data Analyst

• Own and maintain our attribution model and analytics tools (primarily Google Analytics 4) and ensure their integration into the Younited data stack (in collaboration with Analytics Engineers) to enable consolidated marketing performance reporting and cost monitoring
• Coordinate with our Data Marketing agency (Jellyfish) and country teams to implement tracking and data collection for all marketing touchpoints and campaigns across countries, ensuring consistent monitoring of customer journeys on the website and app
• Manage our recently internalized Customer Data Platform within a context of product diversification, working with CRM/PRM teams to ensure it supports our retention and acquisition strategies, and liaising with Analytics Engineers for its evolution and operational maintenance
• Develop and drive an ambitious roadmap of marketing-related data projects in close collaboration with internal Data teams and leveraging external providers when appropriate
• Lead CRO initiatives originating from Product and Business teams, working with marketing web teams to foster a culture of continuous improvement and testing within a coherent global approach

Marketing Analytics Manager

Risk

• Ensure the monitoring of operational incidents and implement operational risk reduction measures across the entire Younited Group
• Optimize, together with operational teams, the tools dedicated to incident management
• Evolve the fraud detection framework in close collaboration with operational teams and Data Science
• Drive fraud indicators and conduct ad hoc analyses on potential scenarios
• Define a consistent risk assessment methodology across the group
• Update the process, risk and control mapping
• Coordinate the framework with the various business units and structure appropriate reporting
• Ensure the compliance of outsourcing contracts with regulatory requirements (audit rights, resilience, incident management, cooperation with supervisory authorities)
• Integrate third-party risks into the overall framework in line with the Group's risk appetite
• Coordinate actions with Legal, Risk and Compliance functions to ensure the robustness and traceability of the framework

Operational Risk Manager

Content Marketing Manager

• Animer et manager une équipe de 4 personnes (2 experts métiers, 2 chargés de contentieux)
• Piloter l’activité contentieuse au quotidien : définir objectifs, KPI, besoins outils
• Superviser les processus : mise à jour des procédures, contrôles, animation des comités de pilotage
• Gérer les prestataires : challenger, gérer flux d’encaissements, valider la facturation
• Mettre en œuvre des actions d’amélioration continue et contribuer aux projets de transformation
• Formation et recrutement : accompagner les nouveaux et développer les compétences

Manager Contentieux

Attorney

• Serve as the primary point of contact with the Bank of Portugal for all regulatory reporting and communications, ensuring timely and accurate submissions.
• Develop, implement, and oversee compliance policies and protocols to guarantee the company operates fully in line with all applicable laws and regulations. Ensure that credit agreements are transparent, client-friendly, and compliant with current regulatory requirements.
• Lead the company’s AML/CFT program, including the development of manuals, definition of procedures and policies, and oversee the delivery of employee training to ensure full compliance with Portuguese anti-money laundering regulations.
• Ensure compliance across the full spectrum of applicable regulations beyond AML and GDPR, including consumer protection laws, personal lending and insurance regulations, banking and financial regulations under the supervision of Banco de Portugal, and other relevant legal and regulatory requirements.
• Drafting, reviewing and negotiation of contracts with providers and partners.
• Ensure marketing campaigns are reviewed in line with regulatory and company standards.
• Conduct internal audits and controls to monitor adherence to established protocols, identify risks or gaps, and recommend improvements.
• Maintain accurate and up-to-date documentation of all compliance processes, procedures, and business activities.
• Prepare regular management reports on the company’s compliance status, regulatory obligations, and risk exposure.
• Collaborate with the Spain team in the development and review of policies and projects for topics that are common across both markets.

Legal and Compliance Officer

Compliance

• - Au sein de l’équipe Contrôle interne de Younited en France, et directement rattaché(e) à la Head of Internal Control & Compliance, nous recherchons un(e) Compliance Officer.
• - Analyser et mener des examens renforcés sur les dossiers issus du traitement d'alertes de transaction monitoring et de Name Screening provenant d’outils de détection, de remontées des métiers ou des demandes du management
• - Réaliser l'analyse des opérations atypiques des clients en utilisant les techniques d'investigations du Groupe
• - Analyser les homonymies issues de l’outil de Name screening
• - Gérer le process de revue et validation des PEP
• - Respecter la priorisation des alertes, les délais de traitement et informer le management de toute situation complexe
• - Assurer la traçabilité et l'archivage des pistes d’audit
• - Rédiger un rapport d’investigation écrit et motivé pour chaque alerte
• - Rédiger les propositions de déclarations de soupçon TRACFIN
• - Réaliser des contrôles sur le dispositif LCB-FT et émettre des avis et des recommandations afin d’améliorer les process métiers et les contrôles en place (revue KYC et KYP)
• - Participer au suivi de l’activité de la BU France notamment sur la production des KPIs et la préparation des supports de reporting notamment à destination de la conformité Groupe

Marketing Analytics Manager

Operational Risk Manager

Manager Contentieux

Legal and Compliance Officer

Compliance Officer – Sécurité financière