KYC Operations Senior Analyst - Deactivations

Company Description

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 .

Job Description

• As a KYC Operations Senior Analyst - Deactivations, 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.

Job 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.

Qualifications

• 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)

Additional Information

• 🚀 RSU's in a rapidly growing company
• 💻 Flexible working model
• 💪 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
• 👶🏼 8-weeks of paid parental leave, after a year with us and child care assistance
• 🚌 Transportation vouchers
• 🍕 Food (730 BRL per month) and meal (1,188 BRL per month) vouchers
• 🏋️ TotalPass access to 3,500 gyms and studios throughout Brazil

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 .
• Keep up to date with life at Wise by following us on LinkedIn and Instagram .