AML/Compliance Analyst

This is a fully remote position, open to applicants in Portugal.

📋 Description

• Conduct comprehensive reviews of customer profiles during the onboarding process and during regular assessments.

• Identify anomalies, investigate alerts, and escalate cases of suspicious activity and high-risk customers.

• Analyze KYC regulations, triggers, and procedures, and suggest improvements.

• Assist in Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) processes, templates, and risk-rating models.

• Keep records of decisions made during onboarding and the outcomes of investigations.

• Enhance transaction monitoring by drafting and refining detection rules.

• Monitor customer transactions and determine whether a SAR/STR escalation is necessary.

• Collaborate with Product and Engineering teams to test, validate, and implement changes to monitoring rules.

• Review and adjust rules to combat fraud, minimize false positives, and enhance overall effectiveness.

• Set up and optimize screening, transaction monitoring, and case management systems.

• Engage in compliance-related product testing and offer constructive feedback.

• Design workflows that align compliance requirements with customer experience.

• Contribute to Standard Operating Procedures (SOPs), risk assessments, and control frameworks.

• Aid in compliance reporting and prepare materials for audits or regulatory inquiries.

⛳️ Requirements

• Over 4 years of relevant experience in Anti-Money Laundering (AML), Compliance, or Financial Crime.

• Experience preferably within fintech, cryptocurrency, or e-money sectors.

• Understanding of KYC, CDD, and transaction monitoring standards.

• Proven experience in drafting or refining compliance rule sets, risk assessments, or alert mechanisms.

• Familiarity with the EU AML/CTF regulatory framework, especially concerning Electronic Money Institutions (EMIs), Payment Service Providers (PSPs), and cryptocurrency services.

• Strong analytical, investigative, and communication abilities.

• Keen attention to detail.

• Ability to work collaboratively with Product, Risk, Engineering, and Legal teams.

• Proficiency in English.

• Experience with tools such as Sumsub, ComplyAdvantage, Chainalysis, Elliptic, or similar is a plus.

• Knowledge of Web3 and DeFi is an advantage.

• CAMS, ICA, or other relevant compliance certifications are desirable.

• Curriculum Vitae must be submitted in English.

🏝️ Benefits

• Personal education budgets.

• Conference allowances.

• Dedicated Friday afternoons for research or side projects.

• Flexible working hours.

• Remote work options.

• Access to state-of-the-art hardware and all necessary tools.

• Opportunities for growth and career advancement.

• Inclusive working environment.

• Equal opportunity employer.