KYC Operations Senior Analyst

Wise is a global technology company, building the best way to move and manage the world’s money.

Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.

For everyone, everywhere.

More about our mission and what we offer.

As a KYC Operations Senior Analyst, you won't just be ticking boxes – you'll be playing a critical role in safeguarding Wise and our customers. You'll be at the forefront of ensuring we meet global regulatory and compliance standards, diving deep into customer activities and behaviour patterns. This is a fantastic opportunity to become a true expert in the KYC domain, working autonomously while still enabling team success through your insights and mentorship.

What You'll Be Doing

• Conducting Enhanced Due Diligence (EDD): You'll review customer risk profiles and make frequent, informed, risk-based decisions to ensure our standards are met.
• Analysing Customer Behaviour: You'll examine transaction histories and identify patterns that might indicate risks, conducting periodic reviews to analyse changes in customer activity.
• Approving High-Risk Onboarding: You'll assess and approve the onboarding of high-risk customers, ensuring everything aligns with our policies and regulatory requirements.
• Exercising Discretion: You'll skillfully prioritize tasks, identify customer records needing further review, and take decisive action to gather necessary information.
• Ensuring Compliance: You'll verify that all customer information and documentation meet our risk appetite for onboarding and maintaining high-risk customers.
• In-Depth Research: Utilise various internal and external sources (like websites and company registries) to ensure only customers within our risk appetite are onboarded.
• Collaborating & Communicating: Work closely with other internal teams on escalated or complex cases, and provide expert guidance to peers and management.
• Mastering Regulations: Maintain a deep understanding of AML/CFT Regulations, their impact on the business, and all Wise products and services.
• Drafting SAR Narratives: When needed, you'll be capable of drafting Suspicious Activity Report (SAR) narratives for unusual activity.
• Leading Improvements: Proactively seek opportunities by taking part in and leading projects to improve team processes, contribute to policy updates, and enhance training materials.
• Reporting to Stakeholders: Draft clear reports for internal and external stakeholders, both periodically and on request.
• Global Expertise: Develop a deep understanding of different business models, customer types, country risks, and regulatory requirements across multiple geographies.
• Supporting Audits: Assist Wise during internal and external audits and with regulatory process-related queries.
• Mentoring & Coaching: Enable team success by mentoring and supporting KYC Operations Analysts, providing training and coaching to enhance team capabilities.
• Customer Communication: Effectively communicate with customers through various channels like phone, email, and chat.
• Meeting KPIs: Perform your tasks and responsibilities efficiently, consistently meeting key performance indicators set by leadership, demonstrating that you get it done.

• 3+ years of experience in Operations or financial services, with a preference for CDD/EDD/AML or compliance roles.

• Excellent verbal and written English skills (additional language skills are a bonus!) with the ability to clearly articulate complex thoughts.

• Working knowledge of global KYC/AML compliance regulations and standards.

• The ability to make sound decisions and apply a strong risk-based approach to your work.

• You're punctual, independent, proactive, and always willing to get things done.

• Exceptional communication and interpersonal skills, strong organisational abilities, keen attention to detail, and analytical prowess.

• The capability to adhere to strict KPIs in a fast-paced, high-pressure environment.

• Resilience - you handle routine and stressful situations well.

• Autonomy - you can work independently within established procedures and practices.

• Problem-Solving - you're capable of identifying gaps in policies and processes and providing detailed, constructive feedback with examples.

• Flexibility - you're ready to work in shifts, including early mornings, days, afternoons, late evenings, weekends, and public holidays as business needs dictate.

• Familiarity with reading legal and regulatory documents.

Bonus Points (Nice to Have)

• Education: A Bachelor’s degree in Finance, Business Administration, Law, or a related field.

• Certifications: ICA, CAMS, or an equivalent certification (especially EDD/AML focused).

Selection process:

• Take Home Test

• Recruiter interview

• Final interview

For everyone, everywhere. We're people building money without borders  — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.

Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.

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