Мальта
Испания
ПольшаSenior Analyst / SME - EDD
3 нед. назад
30k–60k EUR / годМальтаИспанияПольша+1Senior
Senior Analyst / SME role focused on enhanced due diligence in a fintech company specializing in stablecoin-powered financial services.
О компании
- is the stablecoin-powered financial stack for enterprises. We're now part of Mastercard, and together we're building a network for every form of money – one that delivers more reach, more capability and more choice.
- We enable businesses to build financial products, unlock new markets, and move money in seconds across 130+ countries, with 40+ licenses for fiat and digital assets globally. Processing billions annually, we empower enterprises worldwide to send, receive, convert, and settle stablecoins and fiat seamlessly through a single integration.
- Our mission is to accelerate global money movement, and we're assembling a world-class team to make it happen.
- Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, we deliver the infrastructure that makes new forms of money usable within the financial systems customers already rely on today.
- By combining Mastercard's global payment reach and trusted networks with 's stablecoin infrastructure, we're building the trusted operating layer for the evolution of money movement, helping customers participate in emerging digital networks without having to rebuild their businesses around every new innovation.
- We're a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that is at the forefront of this shift.
- We're incredibly honored to have been recognized by:
- CNBC World's Top Fintech Companies (2026)
- FXC Intelligence Top 100 Cross-border Payment Companies (2026)
- Newsweek's The Top 100 Global Most Loved Workplaces (three years running, most recently 2025)
- LinkedIn as one of the Top 20 Startups in the UK (2025)
- Following enhancements to our Customer Risk Assessment (CRA) methodology and the implementation of expanded Enhanced Due Diligence (EDD) standards, is expanding its Customer Portfolio Risk (CPR) team.
- We are seeking a Senior EDD Analyst / Subject Matter Expert (SME) reporting directly to the Head of Customer Portfolio Risk (CPR). This high-impact role will lead complex remediation activities, conduct advanced EDD reviews, perform direct customer AML control walkthroughs, and manage specialized regulatory and vertical assessments across onboarding and ongoing monitoring.
- As a senior individual contributor and SME, you will handle high-risk, multi-layered corporate structures, complex product flows (e.g., Fiat Nested, Embedded Partner Managed), and specialized high-risk verticals (e.g., Gambling, CFDs/High-Risk Trading, Virtual Assets).
Требования
- Requirements:
- 5+ years of direct experience in B2B corporate compliance, EDD, and risk assessment within high risk industries
- Recognized Subject Matter Expertise (SME) in evaluating complex corporate entities (holding companies, trusts, foundations, offshore structures).
- Deep understanding of regulatory assessment frameworks, cross-border licensing rules, and financial crime requirements (FATF, FCA, MGA, FinCEN, MiCA).
- Experience using enterprise compliance case management systems for tracking end-to-end review lifecycles.
- Exceptional written risk assessment capabilities—ability to synthesize complex financial, corporate, and transactional data into clear executive summaries.
- High autonomy, strong self-organization, and ability to manage complex case pipelines in a high-growth environment.
- Nice to Have:
- Exposure to Fintech, Gaming, Crypto/VASP, and/or CFD/Fx industries
- Hands-on experience executing AML Control Walkthroughs and evaluating third-party compliance environments.
- Practical exposure to blockchain analytics tools (Chainalysis, TRM, Elliptic) and Travel Rule protocol requirements.
- Strong proficiency in data querying and analytics (Snowflake SQL or similar data environment experience highly regarded).
- Proven ability to engage professionally with C-level executives, MLROs, and Compliance Directors during client walkthroughs and remediation discussions.
Условия
- Compensation packages are based on candidate experience and relevant certifications.
- Poland Salary Range
- €30.000 — €60.000 EUR
Другое
- Lead end-to-end complex EDD remediation for high-risk corporate clients under updated risk models.
- Conduct deep-dive ownership analysis on multi-layer structures (e.g., 3+ layers of legal entities, trusts, foundations, offshore/secrecy jurisdictions), identifying Ultimate Beneficial Owners (UBOs) to 10% ownership thresholds.
- Verify Source of Funds (SoF) and Source of Wealth (SoW) for entities and UBOs using commercial databases, tax returns, audited financials, and open-source intelligence (OSINT).
- Execute jurisdiction-specific EDD requirements across global operations (EU, UK, US, and APAC per local regulatory annexes).
- Conduct full Regulatory Assessments for regulated clients (B2B/B2C) and nested/embedded models, including license verification against official registries, equivalence reviews, and scope/permission validation.
- Perform Geographic & Reverse Solicitation Analyses, including "Initiative Tests" to identify active targeting of non-licensed jurisdictions using digital, marketing, payment rail, and operational indicators.
- Conduct sector-specific High-Risk Vertical Assessments (e,g. Gambling, CFDs & Leveraged Products, Virtual Assets &CASPs) in line with guidance.
- Research regulatory standards and high-risk verticals to support a risk-based approach and present strategic recommendations to Second Line Compliance.
- Lead live AML Control Walkthroughs (video and occasionally in person) with client compliance and operational teams to test and validate their live CDD, payment screening, transaction monitoring, and SAR escalation environments.
- Perform desktop reviews of third-party AML/CFT, Sanctions, and Transaction Monitoring, policies and procedures and external audit reports to identify material gaps and agree remediation action plans.
- Manage complex scheduled Annual Periodic Reviews (APRs), Event-Driven Reviews (EDRs), and Embedded Partner Customer (EPC) reviews for higher-risk accounts.
- Act as a Checker / Escalation SME, reviewing and approving complex CDD/EDD files, risk rating shifts, account change requests, and nested flow authorisations.
- Conduct advanced transaction pattern analysis comparing 12-month transaction volumes against expected activity profiles and known risk typologies.
- Serve as a key liaison to the Second Line Compliance, MLROs, and Senior Management for high-risk client approvals and policy escalations.
- Fair and competitive salary at every stage of your growth
- Flexible working hours, with hybrid working at its heart
- A culture built on passionate, growth-minded people
- A flexible approach to holiday
- Opportunities to travel to our offices around the world
- An open and creative environment where you can help us define the future of , its culture, and its opportunity sets
- At , we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team.