Wise is a global technology company, building the best way to move and manage the worlds 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.

As a KYC Operations Senior Analyst - Deactivation, 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 customers 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. 

You must have:

• Excellent verbal and written English skills with the ability to clearly articulate your thoughts.

• Working knowledge of global KYC/AML compliance regulations and standards.

• Capable of identifying gaps in policies and processes and providing detailed feedback, including examples when possible, through the established.

• Ability to handle routine and stressful situations well.

• Ability to work autonomously within a limited variety of well-defined procedures and practices.

• 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.

• A minimum of 3+ years of experience in Operations or financial services, (preferably in CDD/EDD/AML or compliance roles).

• KYC/CDD/EDD/AML/ Compliance experience.

Nice to have:

• Certifications: ICA, CAMS, or equivalent certification (EDD/AML focused)

• Any external training on EDD/AML topics.  

• Familiarity reading legal and regulatory documents. 

*Please note, only resumes provided in English will be considered*

Our Benefits:

RSUs 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

18-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.

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