KYC Operations Senior Analyst

• Performing comprehensive due diligence on existing, new, and/or potential customers (both consumer and business) based on risk mitigation controls and specific trigger events.
• Exercising discretion in setting priorities, identifying customer records requiring further review, and proactively obtaining and following up on necessary information and documentation.
• Ensuring all provided information and documentation meet our verification requirements, utilizing internet sources and third-party vendors for thorough searches.
• Communicating effectively with customers on escalated or complex cases, demonstrating strong empathy and clearly articulating decisions and policies.
• Providing expert guidance and responses to daily inquiries from peers, front-line teams, and management regarding due diligence matters and case analysis.
• Maintaining a solid understanding of AML/CFT Regulations and their impact on our business, as well as Wise products and services.
• Drafting SAR narratives for unusual activity when warranted.
• Assessing the risk level of referred profiles, ensuring they align with expected risk criteria.
• Developing a deep understanding of diverse business models, customer types, country risks, and regulatory requirements across multiple geographies.
• Supporting internal and external audits and regulatory due diligence process-related queries and reviews.

• Focus on a high volume of existing, new, and/or potential business customers.
• Escalate any suspicions and/or concerns to the AML and Fraud teams for review.

• 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 organizational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast paced 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.
• Familiarity reading legal and regulatory documents.
• Flexible to work in shifts, covering early mornings, daytimes, afternoons, late evenings, weekends, and public holidays as per business demand (while maintaining a 5-day, 40-hour work week).

• Education: Bachelor's degree in Finance, Business Administration, Law, or related field
• Certifications: ICA, CAMS, or equivalent certification (EDD/AML focused)

• 💰 Salary for this role is 8,000 BRL per month
• 🚀 RSU's in a rapidly growing company
• 💻 Flexible working model - During the first six months, you'll be in office most days of the week to become fully immersed in Wise's culture and ways of working. After the initial period, you'll be in office at least 3 days per week.
• 💪 An annual self-development budget
• 🩺 Health and dental allowance for you and your dependents
• 💝 Company-paid: Life Insurance, and an EAP program
• ☀️ Paid time off: 30 days vacation + 3 “Me” days + 1 volunteer day, annually
• 🏝️ A paid 6-week sabbatical leave after four years
• 👶🏼 18-weeks of paid parental leave, after a year with us and child care assistance
• 🚌 Transportation vouchers
• 🍕 Meal (708 BRL per month) and food (1,166 BRL per month) vouchers

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