KYC Operations Analyst - Platform

About Wise

Wise is a global technology company, building the best way to move and manage the world’s money. We offer min fees, max ease, and full speed for sending money, spending abroad, or making and receiving international payments. Our mission is to make lives easier and save money for everyone, everywhere, by creating an entirely new network for the world's money.

Role & Job Purpose

As a KYC Operations Analyst - Platform, you will be crucial in ensuring Wise adheres to regulatory and compliance requirements. Your responsibilities include conducting thorough customer due diligence, analyzing customer activities, and maintaining up-to-date KYC records according to internal standards. This role offers an excellent opportunity for individuals interested in developing expertise in the KYC domain.

Job Responsibilities

• Customer and Business Onboarding: Conduct initial and ongoing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews. Apply a risk-based approach to decision-making, ensuring risk mitigation standards are met. Collect, analyze, and verify customer information per KYC/AML guidelines, understanding potential risks for each customer type. Assess identity documents, online company registries, complex business structures, ultimate beneficial ownership, source of wealth documentation, and adverse media screening to inform decisions.
• Transaction Monitoring and Periodic Reviews: Review customer transaction history to provide insights into behavioral patterns that may indicate risks. Conduct periodic reviews and analyze changes in customer history and account usage.
• Documentation and Record Keeping: Ensure customer records are accurate and updated as required. Maintain organized and detailed records of customers and decisions made during the KYC process. Ensure compliance with data privacy regulations and internal data security protocols.
• Risk Assessment and Escalation: Perform and document customer risk assessments based on collected information. Escalate activities exceeding internal risk tolerance to relevant teams. Identify potential money laundering and fraudulent activities, filing Suspicious Activity Reports (SARs) as needed with proper documentation and rationale.
• Compliance Guidelines: Ensure compliance with local regulations across the various jurisdictions Wise operates. Maintain a strong understanding of KYC/AML regulations and internal policies.
• Process Improvement: Assist in identifying opportunities to improve KYC processes and contribute to policy updates, training materials, and standard operating procedures. Support the company in partner, audit, and regulatory process-related queries.
• Team Collaboration: Support KYC Operations Associate Analysts by providing training and mentoring to enhance team capabilities as needed.
• Customer Communication: Effectively communicate with customers through Wise's relevant communication channels (e.g., phone, email, and chat).
• KPIs: Perform tasks and responsibilities within the expected key performance indicators set by the leadership team.
• Other: Undertake position-related tasks assigned by your lead, including participating in meetings, training, and internal/external events.

Qualifications

Requirements

• Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate thoughts.
• A minimum of 2-3 years of experience in Operations, preferably in CDD/EDD/AML or compliance roles.
• Working knowledge of global KYC/AML compliance regulations and standards.
• Ability to make decisions and apply a risk-based approach.
• Punctual, independent, proactive, and results-oriented.
• Excellent communication and interpersonal skills, strong organizational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast-paced, high-pressure environment.
• Ability to handle routine tasks and work autonomously within well-defined procedures.
• Capable of identifying gaps in policies and processes and providing detailed feedback with examples through established communication channels.
• Flexible to work in shifts, including early mornings, day times, afternoons, late evenings, weekends, and public holidays as per business needs.

Nice To Have

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

What Do We Offer

We offer a salary range of 2125 EUR - 2300 EUR, Company Restricted Stock Units, and great benefits in our Tallinn office.

At Wise, we're building money without borders — without judgment or prejudice. We believe in diverse, equitable, and inclusive teams and are proud to have a truly international team that celebrates differences. Inclusive teams help us live our values and ensure every Wiser feels respected, empowered to contribute towards our mission, and able to progress in their careers.

To learn more about working at Wise, visit Wise.Jobs or follow us on LinkedIn and Instagram.

Key skills/competency

• KYC
• AML
• Customer Due Diligence (CDD)
• Enhanced Due Diligence (EDD)
• Compliance
• Risk Assessment
• Transaction Monitoring
• Regulatory Adherence
• Process Improvement
• Data Privacy