Senior Analyst, AML Know Your Customer

About the role

This role focuses on the critical review of high-risk client relationships to guarantee that all customer due diligence is thorough and meets specialized requirements. The work involves examining changes in customer profiles and documentation during periodic reviews, identifying material shifts in risk factors, and flagging any red flags. A core responsibility is to ensure that a customer's stated business nature aligns with their actual business models and profiles.

The Senior Analyst will update internal records to enhance customer KYC files and escalate findings by drafting executive-level risk acceptance memos for clients with identified red flags or higher risk attributes. This includes clearly summarizing findings and outlining next steps. Collaboration is key, as the role requires working with the Customer Service team and Relationship Managers to gather necessary supporting documentation for KYC due diligence.

Success in this position means actively monitoring industry trends related to money laundering and fraud schemes, including the detection and reporting of suspicious activity. The analyst will also partner with regional team leads to facilitate knowledge sharing and perform general administrative tasks as needed. The ideal candidate will be detail-oriented, highly analytical, and comfortable working in a fully remote environment across multiple time zones.

The salary for this position ranges from $97,500 to $127,500 annually.

Skills that matter here

• AML: This role requires deep experience in Anti-Money Laundering practices, particularly in reviewing high-risk customer accounts.
• KYC: A primary responsibility is performing Know Your Customer reviews, ensuring due diligence is complete and accurate for complex client relationships.
• Blockchain: The role requires a deep understanding of blockchain technology and its applications, especially within the context of digital currency and compliance.
• Digital Currency: Familiarity with digital currency is essential, as the role involves compliance operations within a digital asset platform.
• Risk Management: The analyst will identify and assess risk factors in customer profiles, escalating and documenting findings for high-risk attributes.
• Enhanced Due Diligence: The position specifically involves meeting specialized and enhanced due diligence requirements for higher and high-risk client relationships.

Who this role suits

• A person who is passionate about the potential of digital currency and blockchain technology.
• Someone with an innovative and creative mindset, eager to propose new solutions to existing challenges.
• An individual who thrives in collaborative environments and communicates directly and effectively with multiple stakeholders.
• A professional who is adaptable, comfortable with constant change, and committed to continuous learning within a dynamic industry.

From the employer

What you'll work on:

• Reviewing higher and high risk client relationships to ensure that customer due diligence is complete and accurate and meets applicable specialized and enhanced due diligence requirements.
• Critically examining customer profile changes and documentation obtained during the periodic review process for material changes in risk factors and red flags.
• Updating internal records to enrich customer KYC files.
• Ensuring the customer's nature of business aligns with their business models and profiles.
• Escalating and drafting executive level risk acceptance memos for customers with red flags and higher risk attributes and succinctly summarizing findings and next steps.
• Collaborating with the Customer Service team and Relationship Managers to obtain all necessary supporting documentation to fulfill KYC due diligence requirements.
• Partnering with team leads within the region to facilitate knowledge sharing.
• Monitoring industry trends relative to money laundering or fraud schemes including detection and reporting of suspicious activity.
• Performing any general administration and ancillary activities as may be required and related to the above functions in accordance with the business requirements of the Company.

What you’ll bring to Circle:

• A passion for harnessing the power of digital currency and blockchain technology and services built on top of it. Deep understanding of blockchain technology.
• An innovative and creative mind looking to suggest new solutions to old problems.
• Proven experience working collaboratively and effectively with the ability to work with multiple stakeholders and internal teams. Appreciate direct communication.
• Experience and comfort working in an ever changing industry and the flexibility to quickly react to changing demands. Never tired of learning.
• B.A./B.S. degree; quantitative or technical degree a plus.
• 4+ years of relevant experience in AML and KYC reviews for corporates, with 2 years in crypto, preferable in ongoing monitoring of higher and high risk customers.
• Detail-oriented, highly analytical and comfortable digging into data.
• Strong communication skills and presence, ability to interface with internal and external teams.
• CAMS, CFCS or CFE certification is a plus.
• Work effectively in a fully remote environment with teams spanning multiple time-zones (our team is across the US, Europe & APAC).
• Experience/familiarity with Slack, Apple MacOS and GSuite.

What Circle Offers:

• Flexible work environment where new ideas are encouraged and everyone is a stakeholder.
• Competitive salary range: $97,500 - $127,500.
• Equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
• Participation in the E-Verify Program in certain locations, as required by law.