KYC Operations Senior Analyst - SMA

Wise
Tallinn
Workplace: OnsiteFull timeEUR 2,400 - 2,850 monthlyFunction: Solutions Engineering & Sales EngineeringExperience: 1+ yearsEducation: bachelorsSkills: ["Communication","Organizational skills","Attention to detail","Analytical skills","Independence"]

Review and assess high-risk KYC cases for onboarding and ongoing customer monitoring, using enhanced due diligence and risk-based decisioning. Analyze transaction histories and behavior patterns, perform research using provided documentation and external sources, and ensure KYC records meet internal standards and AML/CFT regulations. Support escalated cases, draft SAR narratives when needed, guide peers and train senior approval analysts, and contribute to SMA process improvements and audits.

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FursaFursa
Wise
Wise
2 days ago

KYC Operations Senior Analyst - SMA

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Last checked: 3 hours agoStatus: Live

Job Summary

Review and assess high-risk KYC cases for onboarding and ongoing customer monitoring, using enhanced due diligence and risk-based decisioning. Analyze transaction histories and behavior patterns, perform research using provided documentation and external sources, and ensure KYC records meet internal standards and AML/CFT regulations. Support escalated cases, draft SAR narratives when needed, guide peers and train senior approval analysts, and contribute to SMA process improvements and audits.
Location: Tallinn
Workplace: Onsite
Employment Type: Full time · Permanent
Job Function: Solutions Engineering & Sales Engineering
Seniority: Mid level

Key Responsibilities

  • •Review and assess high-risk customer reports for approval per defined policies and procedures.
  • •Analyze customer transaction history and behavior patterns, and conduct periodic reviews to identify risk signals.
  • •Conduct in-depth enhanced due diligence using documentation and external sources to confirm customers fit risk appetite for onboarding/maintenance.
  • •Handle escalated and complicated cases by coordinating with internal teams and providing guidance as needed.
  • •Support SMA team processes through project work, process/policy updates, training/mentoring, and participation in audits.

Pay and Benefits

Salary: EUR 2,400 - 2,850 monthly

Key Requirements

  • •1+ year of working experience in EDD, AML, or a similar financial crime compliance role.
  • •Strong understanding of the regulatory framework for customer verification and how it impacts onboarding/verification.
  • •Ability to work in shifts, including weekend and evening shifts, with flexibility for business needs.
  • •Ability to document reasoning and effectively apply a risk-based approach to decisions.
  • •Familiarity with reading legal and regulatory documents, with strong organizational, communication, and analytical skills.
Experience:1+ yearsAMLEDDFinancial crime compliance
Education:Bachelor's in Finance, Business Administration, Law, or related field
Skills:CommunicationOrganizational skillsAttention to detailAnalytical skillsIndependence
Certifications:ICACAMS
Languages:English

Eligibility

Work Authorization:Authorization required. Sponsorship not provided.

Company Brief

Wise
Wise (formerly TransferWise) is a London-based fintech that provides low-cost international money transfers, multi-currency accounts and payment infrastructure for individuals and businesses worldwide.
Industry: Payments
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: London, United Kingdom
Founded: 2011
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Glassdoor: 3.8
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