FinCrime Operations Analyst - AML Investigations

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

Role & Job Purpose

• As a FinCrime Operations Analyst in Sanctions or AML, you will play a role in safeguarding Wise from financial crime.
• Your primary responsibility will involve conducting reviews and making accurate decisions to escalate or discount alerts related to potential sanctions matches and suspicious activity.
• This includes, but is not limited to, analyzing transactions, customer data and account activity.
• By ensuring adherence to global sanctions regulations and anti-money laundering (AML) compliance, you will directly contribute to making our platform and services safer.
• This role offers an excellent opportunity for individuals looking to develop foundational expertise in the dynamic fields of sanctions and AML compliance.

Job Responsibilities

• Sanctions Screening & Investigation: Review system-generated sanctions matches, conduct due diligence, and promptly escalate potential breaches via established channels.
• Monitoring: Analyze transaction data to identify patterns indicating money laundering, terrorist financing, or sanctions evasion. Triage actionable alerts and proactively spot red flags requiring further review.
• Regulatory Compliance: Stay updated on global AML and sanctions regulations (e.g., OFAC, EU, UK). Help implement procedure changes, flag inaccuracies, and strictly adhere to updated guidelines.
• Documentation & Record Keeping: Maintain accurate records of investigations, decisions, and rationale. Ensure compliance with data privacy protocols and timely internal escalations.
• Risk Assessment & Escalation: Perform and document AML/sanctions risk assessments. Escalate high-risk cases, suspicious activities, and material breaches to leadership following protocols.
• Collaboration: Work closely with teams like KYC, Compliance, and Engineering to enhance controls, actively participating in team meetings and fostering a collaborative environment.
• Communication: Communicate clearly and empathetically with customers to obtain necessary details, avoiding unnecessary contact to ensure swift case resolution.
• KPIs: Consistently achieve individual and team targets (KPIs, SLAs, QA) by balancing quality, speed, and reliable deadline management.
• Trainings: Diligently complete all mandatory and ad hoc training on time.
• Other: Perform additional tasks assigned by your lead and participate in internal events to support broader company goals.

Qualifications

Requirements

• Fluent English (written and verbal) for clear reporting and customer communication; additional languages are a plus.
• 1+ years of Operations experience, preferably in AML, sanctions compliance, or due diligence.
• Detail-oriented with a commitment to high-quality output and strict process adherence, even under high workloads.
• Proactive, inquisitive, and able to work independently to make risk-based decisions.
• Strong analytical and organizational skills to meet strict KPIs in a fast-paced environment.
• Ability to identify policy gaps and provide actionable feedback.
• Flexible to work shifts, including mornings, evenings, weekends, and public holidays based on business needs.

Nice to have

• Education: Bachelor's degree in Finance, Business Administration, Law, or related field
• Certifications: ICA, CAMS, or equivalent certification (Sanctions/AML focused).
• Experience with sanctions screening and transaction monitoring systems.

Additional Information

Interview Process

• Recruiter Screening
• Final Interview
• Offer

Benefits

🚀 RSU's in a rapidly growing company

💪 An annual self-development budget

🩺 Health and dental allowance for you and your dependents - CarePlus (Master1)

🏝️ 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

🍕 Meal (708 BRL per month) and food (1,166 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 .