KYC Operations Senior Analyst
Wise
KYC Operations Senior Analyst
Wise
Low-cost international money transfers with API
Wise is looking for a KYC Operations Senior Analyst to join the Tallinn Senior Management Approval team. 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 customers in AML High Risk state and customers with touch points with High Risk 3rd Countries and Low Tax Jurisdictions according to regulatory standards.
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.
Job Responsibilities
Review and assess high risk customer reports to provide analysis and approval as per the set policies and procedures.
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.
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 high risk approval matters and case analysis, when appropriate.
Maintain 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 SMA 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 Senior Management Approval Analyst, 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.
Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts.
You have a minimum of 1 year working experience in EDD, AML or a similar Financial Crime compliance role, or a comparable role at another company.
You have a good understanding of the regulatory framework surrounding customer verification, preferably from a market that Wise currently operates in.
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.
You have a good understanding of AML/CFT Regulations and are able to effectively document your reasoning.
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 and stressful situations well.
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.
You have familiarity with reading legal and regulatory documents.
Nice to have:
Education: Bachelor’s degree in Finance, Business Administration, Law, or related field
Certifications: ICA, CAMS, or equivalent certification (EDD/AML focused)
About this Role:
Work authorization (Estonia):
Candidates with unrestricted right to work in Estonia (e.g., EU/EEA citizens, permanent residents, holders of non-employment-based residence permits such as spouse/family TRP, or long-term resident permit): No restrictions, apply freely.
Candidates already residing in Estonia with a valid TRP for employment (linked to another employer): You are also eligible to apply, provided your TRP has a remaining validity of at least 120 days from the date of application. An administrative approval process (~40 days) will be required before your start date. No cost to you.
Visa/work permit sponsorship is not available for this role. Candidates who do not currently have the right to work in Estonia and would require sponsorship to relocate are not eligible.
If you hold a TRP for employment linked to another employer in Estonia, please include the following in your application or cover letter:
Your current TRP expiry date
The role and employer your TRP is currently linked to
This helps us assess timelines for your start date.
Current shift requirements:
Hiring process:
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.
Keep up to date with life at Wise by following us on LinkedIn and Instagram.
Compensation: 2400 to 2850 (EUR) (MONTHLY)
Wise enables international money transfers with lower fees by using a peer-to-peer model to match transfers across borders. It offers a multi-currency account for holding and managing money in different currencies and provides an API for businesses to integrate Wise transfers into their platforms. Unlike traditional banks that charge higher fees and poor exchange rates, Wise uses transparent, small-per-transaction fees and real-time exchange rates to reduce costs. Its approach differentiates it from competitors by emphasizing simplicity, cost transparency, and a broad API for business integration. The goal is to make cross-border payments cheaper, faster, and more transparent for individuals and businesses around the world.
Explore more opportunities at Wise