KYC Operations Senior Analyst - Deactivations at Wise

As a KYC Operations Senior Analyst, you will play a critical role in ensuring that Wise adheres to regulatory and compliance requirements. You will be responsible for conducting enhanced due diligence, analysing customer activities, behaviour patterns, and ensuring that our KYC records are kept up to date according to our internal standards. You will be responsible for assessing and approving onboarding of high risk customers according to regulatory standards. This role is a great opportunity for people who are interested in deepening their knowledge in the KYC domain.

Responsibilities

• Conduct Enhanced Due Diligence (EDD) reviews based on customer’s risk profile. Take frequent risk based approach decisions while conducting customer reviews ensuring risk management standards are met.

• Review customer transaction history and provide insights into customer behaviour patterns that may indicate risks. Conduct periodic reviews and analyse changes in customers history and account usage.

• Review and assess high risk customer reports to provide analysis and approval as per the set policies and procedures.

• Exercise discretion in setting priorities, identifying customer records that require further review and taking action to obtain and follow-up on the information and/or documentation requested.

• Ensure that information and documentation provided by customers meet our risk appetite for onboarding and maintaining high risk customers.

• Conduct in depth analysis, using provided documentation or external sources (e.g. websites and company registries) ensuring that only customers within risk appetite are onboarded. Perform searches utilising internet sources and/or third-party vendors to obtain information on prospects and new/existing customers.

• Communicate with other internal teams when required to handle escalated or complicated cases

• Provide guidance and responses to daily inquiries from peers, front-line and management regarding complex matters and case analysis, when appropriate.

• Maintain a high understanding of AML/CFT Regulations and how these impact the business, as well as Wise products and services.

• When warranted, be capable of drafting SAR narratives to report activity deemed unusual.

• Taking part in and leading projects related to the team processes and guidelines. Assist in identifying improvement opportunities and contribute to policy updates, training materials, and standard operating procedures.

• Draft reports to internal and external stakeholders, periodically and when requested.

• Have a deep understanding of different business models, customer types, country risks and regulatory requirements across multiple geographies.

• Support Wise in internal and external audits and regulatory process related queries reviews.

• Mentor, and support KYC Operations Analysts, by providing training and coaching to enhance team capabilities.

• Effective communication with customers by the relevant communication channels that Wise operates with (e.g. phone, email, and chat).

• Perform your tasks and responsibilities within the expected key performance indicators set by the leadership team.

• Tasks that are related to the position and are assigned to you by your lead. Participating in meetings, training, internal and external events.

Requirements

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

• A minimum of 3+ years of experience in Operations or financial services, (preferably in CDD/EDD/AML or compliance roles).

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

• Ability to take decisions and apply risk-based approach at your work

• Punctual, independent, proactive and willing to get things done.

• Excellent communication and interpersonal skills, strong organisational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast paced and high pressure environment.

• Ability to handle routine and stressful situations well.

• Ability to work autonomously within a limited variety of well-defined procedures and practices.

• Capable of identifying gaps in policies and processes and providing detailed feedback, including examples when possible, through the established communication channels.

• Flexible to work in shifts. We work when our customers need us the most including early mornings, day times, afternoons, late evenings, weekends and public holidays as per business needs.

• Familiarity reading legal and regulatory documents.

Nice to have:

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

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