KYC Operations Associate Analyst

Salary: INR 5.5 LPA 

As a KYC Operations Associate Analyst you will play a critical role in ensuring that Wise adheres to regulatory and compliance requirements. You will be responsible for conducting thorough customer due diligence analysing customer activities and ensuring that our KYC records are kept up to date according to our internal standards. This role is a great opportunity for people who are interested in development in the KYC domain.  

Job Responsibilities

• Customer and business onboarding: Conduct initial and ongoing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews. Take risk-based-approach decisions in your reviews ensuring risk mitigation standards are met. Collect analyse and verify customer information according to KYC/AML guidelines and understand potential risks associated with each customer type. Assess customer identity documents online company registries complex business structures ultimate beneficial ownership customer source of wealth documentation adverse media screening and other sources to make your decisions. 

• Transaction monitoring and periodic reviews: 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.

• Documentation and record keeping: Ensure customer records are accurate and updated as required. Maintain organised 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 assessment based on collected information. Escalate to relevant teams when identifying activities exceeding our internal risk tolerance. Identify potential money laundering and fraudulent activities and file Suspicious Activity Reports as needed ensuring proper documentation and rationale. 

• Customer communication: Effective communication with customers by the relevant communication channels that Wise operates with (e.g. phone email and chat).

• KPIs: Perform your tasks and responsibilities within the expected key performance indicators set by the leadership team.

• Other: 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.

• A minimum of 1 years of experience in Operations (preferably in CDD/EDD/AML or compliance roles). 

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

• Ability to take decisions and apply risk-based approach at your work

• 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.

• Ability to handle routine.

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

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

• Flexible to work in shifts. We work when our customers need us the most including early mornings day times afternoons late evenings 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 (CDD/EDD focused)

Additional Information :

This role requires candidates to be flexible to work in rotational shifts and week offs.

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