KYB/AML Analyst

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

📋 Description

• Conduct first-line (1LoD) KYB assessments for business clients onboarding with Ramp's Swedish payment institution.

• Validate companies and beneficial ownership, execute sanctions/PEP/adverse-media screening, and evaluate risk.

• Manage standard cases from start to finish and escalate complex or higher-risk cases with a well-defined rationale.

• Oversee customer interactions during the onboarding process, including requests for documentation, follow-ups, and status updates.

• Address onboarding requirements from card-issuing and payment partners for EU clients.

• Document decisions to a standard that withstands second-line and regulatory evaluations.

• Maintain progress on Swedish casework when team members are on leave or addressing incidents.

• Enhance workflows through the development of playbooks, templates, and AI-assisted methodologies.

• Collaborate directly with customers to facilitate their onboarding and support the Swedish team's expansion.

⛳️ Requirements

• 2–4 years of experience in KYB / AML / onboarding within a fintech, payment institution, EMI, or bank.

• Strong foundation in business customer due diligence: company registries, UBO identification, sanctions/PEP screening, and identifying red flags.

• Proficient in English, both written and spoken.

• Ability to communicate clearly and kindly in writing with customers.

• Interest in AI tools and their potential to enhance efficiency in casework.

• Residing in or willing to relocate to Stockholm, with the legal right to work in Sweden.

• Proficiency in Swedish is highly preferred.

• Knowledge of Swedish resources and regulations (Bolagsverket, the beneficial ownership register, FI expectations under the Swedish AML Act).

• Experience onboarding EU businesses across various jurisdictions.

• Proficiency in an additional European language.

🏝️ Benefits

• Flexible PTO.

• Centralized ordering for home-office equipment.

• Health and wellness stipend.

• Budget allocated for intra-office travel.

• Weekly coffee stipend.

• Equity options.

• Private medical insurance through Freedom Elite (United Kingdom).

• Workplace pension through Penfold, with salary sacrifice option (United Kingdom).

• Parental leave: up to 16 weeks (for birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay (United Kingdom).