Senior Analyst, AML Know Your Customer

About the role

This role focuses on Anti-Money Laundering (AML) and Know Your Customer (KYC) processes within Circle's digital currency platform. The Senior Analyst will primarily review high-risk client relationships, ensuring all customer due diligence is complete and accurate, meeting specialized and enhanced requirements. This involves critically examining customer profile changes, updating internal records, and verifying that a customer's business nature aligns with their stated models.

A key part of the work involves identifying and escalating red flags or higher-risk attributes, then drafting executive-level risk acceptance memos that summarize findings and outline next steps. The analyst will also collaborate with Customer Service and Relationship Managers to gather necessary documentation for KYC due diligence and partner with regional team leads to share knowledge.

Success in this position means effectively monitoring industry trends related to money laundering and fraud schemes, including detecting and reporting suspicious activity. The role requires a detail-oriented approach and strong analytical skills to manage ongoing monitoring of high-risk customers in a dynamic, fully remote environment that spans multiple time zones.

The salary for this full-time senior remote position ranges from $97,500 to $127,500 USD.

Skills that matter here

• AML: This role requires proven experience in Anti-Money Laundering reviews, specifically for corporate clients.
• KYC: The position involves conducting detailed Know Your Customer reviews, including specialized and enhanced due diligence for high-risk relationships.
• Blockchain: A deep understanding of blockchain technology is essential, as the company builds on digital assets and programmable blockchain infrastructure.
• Digital Currency: The role operates within a company focused on digital currency and requires familiarity with its applications and services.
• Risk Management: The analyst will be responsible for identifying, escalating, and summarizing findings related to risk factors and red flags in customer profiles.
• Enhanced Due Diligence: The role specifically requires ensuring that customer due diligence meets applicable specialized and enhanced requirements for higher-risk clients.

Who this role suits

• You have at least four years of experience in AML/KYC, with a minimum of two years focused on crypto, preferably in ongoing monitoring of high-risk customers.
• You are detail-oriented, highly analytical, and comfortable working with data, capable of critically examining customer profiles and identifying risks.
• You possess strong communication skills, able to interface effectively with internal and external teams, and appreciate direct communication.
• You are adaptable and comfortable working in a rapidly changing industry, willing to learn and quickly react to evolving demands.

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.