KYC Operations Graduate

As a KYC Operations Graduate you will play a critical role in ensuring that Wise adheres to regulatory and compliance requirements. You will begin with a training program designed to teach you the complexities of Enhanced Due Diligence (EDD). Upon successful completion of your training and accreditation you will be responsible for analysing customer activities behaviour patterns and ensuring that our KYC records are kept up to date according to our internal standards. This role is a great opportunity for fresh graduates who are interested in starting a career and deepening their knowledge in the KYC domain.

Job Responsibilities

• Successfully complete the KYC training curriculum and pass the required accreditation gates.

• Conduct Enhanced Due Diligence (EDD) reviews based on customers risk profile. Your work will predominantly comprise risk based approach decisions.

• 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.

• Assist in identifying improvement opportunities and contribute to policy updates training materials and standard operating procedures. 

• Have a deep understanding of different business models customer types country risks and regulatory requirements across multiple geographies.

• 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.

Qualifications :

• Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts.

• Fresh university graduate previous banking and finance experience is not required

• 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.

• Strong learning ambition to build a working knowledge of global KYC/AML compliance regulations and standards.

• Strong critical thinking skills with the ability to analyze plausibility scenarios and draw logical conclusions from complex data.

• Ability to handle routine and stressful situations well.

• Flexible to work in shifts. We work when our customers need us the most including early mornings day times afternoons late evenings and nights weekends and public holidays as per business needs.

Nice to have:

• Education: Bachelors degree in Finance Business Administration Law or related field

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

Additional Information :

For everyone everywhere. Were people building money without borders  without judgement or prejudice too. We believe teams are strongest when they are diverse equitable and inclusive.

Were 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 its like to work at Wise visit .

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Remote Work :

No

Employment Type :

Full-time