KYC Operations Senior Analyst - SMA (Night shifts)

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

Review and approve high-risk customer reports for Wise’s Senior Management Approval team, covering enhanced due diligence and AML/CFT risk assessment during night shifts. Analyze transaction history and behavior patterns, conduct research using documentation, internet sources, and third-party data, and ensure KYC records are kept current. Draft SAR narratives when needed, support audits and regulatory queries, and coach peers to improve SMA processes and policy updates.

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Wise
Wise
4 days ago

KYC Operations Senior Analyst - SMA (Night shifts)

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Last checked: 14 hours agoStatus: Live

Job Summary

Review and approve high-risk customer reports for Wise’s Senior Management Approval team, covering enhanced due diligence and AML/CFT risk assessment during night shifts. Analyze transaction history and behavior patterns, conduct research using documentation, internet sources, and third-party data, and ensure KYC records are kept current. Draft SAR narratives when needed, support audits and regulatory queries, and coach peers to improve SMA processes and policy updates.
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 and make approval decisions according to SMA policies and procedures.
  • •Analyze customer transaction histories and behavior patterns, perform periodic reviews, and identify changes indicating potential risk.
  • •Conduct in-depth research using provided documentation, internet sources, and/or third-party vendors to support onboarding and ongoing monitoring.
  • •Communicate with internal teams for escalated cases and provide guidance to peers, front-line, and management on high-risk approval matters.
  • •Support SMA projects and process improvements, including policy/training updates, drafts to stakeholders, and assisting audits and regulatory queries; mentor other analysts and draft SAR narratives when warranted.

Pay and Benefits

Salary: EUR 2,400 - 2,850 monthly

Key Requirements

  • •1+ years of working experience in EDD, AML, or a similar financial crime compliance role (or comparable experience).
  • •A good understanding of the regulatory framework for customer verification, preferably from a market Wise operates in.
  • •Ability to work different night shifts and include two weekend shifts per month as required by business needs.
  • •Strong understanding of AML/CFT regulations and the ability to document reasoning and apply a risk-based approach.
  • •Excellent English skills and strong communication, organizational, and analytical skills with attention to detail and KPI adherence.
Experience:1+ yearsAMLKYCEnhanced due diligenceFinancial crime compliance
Education:Bachelor's
Skills:CommunicationOrganizational skillsAnalytical skillsAttention to detailRisk-based approach
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
Glassdoor
Glassdoor: 3.8
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