KYC Operations Senior Analyst - Deactivations

As a Senior Analyst in KYC Operations in our newly established Deactivations Team, you will play a crucial role in strengthening Wise's commitment to regulatory compliance and protecting the integrity of our financial ecosystem. Your mission is to become the authority in enhanced due diligence (EDD) and to grasp the risks linked to Wise customers. You will thoroughly investigate complex KYC cases, equipped with the duty to guarantee that every decision is compliant, and accurate. This isn't just following a new process; it's about delivering justice and upholding our integrity when it matters the most. This role is a great opportunity for people who are interested in deepening their knowledge in the KYC domain.

As a KYC Operations Senior Analyst, you will play a key role in supporting a financial crime program that is driven by Wise's mission for money without borders, transparency, and protecting customers. We are looking for someone with experience in enhanced due diligence, an excitement and desire to learn and grow with this new team, and strong organisational and communication skills.

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 Deactivations 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.
• Support Wise in internal and external audits and regulatory process related queries reviews.
• Effective communication with customers by the relevant communication channels that the team operates with.
• Perform your tasks and responsibilities within the expected key performance indicators set by the leadership team.