KYC/AML Compliance Analyst
Modern Treasury
Job Overview
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Job Description
KYC/AML Compliance Analyst at Modern Treasury
As a senior KYC/AML Compliance Analyst, you will be a core member of our compliance operations team. This role is designed for a high-performing individual contributor who wants to grow into a leadership position as our headcount expands. You will manage the "high-complexity" end of our onboarding funnel, focusing on domestic and international entities (LatAm & Europe). You will balance manual, deep-dive investigations with the strategic task of building our Enhanced Due Diligence (EDD) and Quality Assurance/Testing frameworks.
What You’ll Do
- Global Onboarding & Transaction Monitoring
- Cross-Border KYB: Lead the onboarding for a diverse range of domestic and international clients (Marketplaces, SMBs, Institutions).
- Stablecoin Compliance: Support the rollout of our stablecoin transfer products by conducting blockchain-native due diligence.
- Alert Triage: Manage transaction monitoring alerts within Sardine, identifying suspicious patterns in cross-border payment flows and fiat-to-crypto on/off-ramps.
- On-Chain Analytics: Utilize TRM Labs to screen wallets, trace funds, and mitigate exposure to high-risk or sanctioned virtual asset service providers (VASPs).
- Program Architecture & Scaling
- KYC Reliance: Design the workflow to allow for "Reliance" on third-party KYC, significantly reducing friction for our users.
- QA/Testing: Develop and own the "four-eyes" review process to ensure high standards of accuracy across all KYC files.
- Process Improvement: Collaborate with the BSA/AML Officer to transition manual workflows into the automated Persona orchestration layer and add on AI bots to the flow.
- Strategic Growth
- Program Maturity: Contribute to the development of Third-Party Risk Management (TPRM) and formal Issue Management protocols.
Qualifications
- Experience: 5-7 years in AML/KYC, specifically within Fintech or Payments.
- Regional Knowledge: Expertise in US, European (6AMLD), and LatAm (CNBV/BACEN-style) compliance requirements.
- Tech Stack: Hands-on experience with Persona, Sardine, and TRM Labs (or similar on-chain tools like Chainalysis/Elliptic).
- Crypto-Comfort: A baseline understanding of stablecoins and liquidity transfers.
- The "Builder" Mindset: Demonstrated ability to create processes from scratch, not just follow existing ones.
- A proactive work attitude and willingness to dive into details.
- Relevant industry certifications such as CAMS, CFCS, CFE, CCI, or CRCM preferred.
About Modern Treasury
Modern Treasury is the operating system for Money Movement. Our suite of APIs move finance and product teams forward with faster payments, automatic reconciliation, and real-time financial data. Our tools automate the full cycle of money movement—from payment initiation through approvals, to reconciliation.
Key skills/competency
- AML/KYC Compliance
- Fintech/Payments Experience
- Cross-Border KYB
- Transaction Monitoring
- Blockchain Due Diligence
- Persona, Sardine, TRM Labs
- 6AMLD, CNBV/BACEN
- Process Improvement
- Risk Management
- CAMS/CFCS Certification
How to Get Hired at Modern Treasury
- Research Modern Treasury's culture: Study their mission, values, recent news, and employee testimonials on LinkedIn and Glassdoor.
- Tailor your resume: Highlight 5-7 years of KYC/AML, fintech, and payments experience, including specific tech stack familiarity.
- Showcase your "builder" mindset: Prepare examples of creating new processes, frameworks, or improving existing workflows from scratch.
- Demonstrate regional compliance expertise: Emphasize knowledge of US, European (6AMLD), and LatAm (CNBV/BACEN-style) requirements.
- Prepare for technical discussions: Be ready to discuss Persona, Sardine, TRM Labs, and stablecoin compliance in depth.
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