KYC Analyst

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

📋 Description

• Take full ownership of KYC decisions at Flex, managing the process from application through to approval.

• Establish benchmarks for robust KYC files and contribute to the development of the new KYC function.

• Assess new applications sent for manual review, validating responses against documentation and public information.

• Collect documentation for every identified risk flag and evaluate whether customers can be safely onboarded.

• Conduct KYC and KYB reviews, which include identity verification and identifying beneficial owners and control persons.

• Examine flagged accounts post-opening, during periodic refreshes, and in response to event-driven reviews.

• Resolve cases, request additional information, or escalate cases as necessary.

• Recognize customers needing enhanced due diligence and escalate them for supervisory evaluation.

• Investigate adverse media, sanctions lists, and databases for politically exposed persons.

• Address screening alerts by differentiating genuine matches from false positives and document the rationale.

• Produce clear, well-supported case notes and maintain comprehensive case-management records.

• Collaborate with Support, Risk, and Operations to fulfill documentation requests and ensure smooth onboarding.

• Assist in quality assurance and file reviews, including evaluations of the bank partner program.

• Identify gaps and patterns in processes, enhance procedures, and streamline documentation.

• Stay updated on changing AML typologies and regulatory guidance, sharing insights with the team.

• Report directly to the Head of Financial Crimes.

⛳️ Requirements

• 1–3+ years of experience in KYC, customer due diligence, onboarding, or a comparable financial crimes position within a financial institution, fintech, or payments company.

• Familiarity with business (KYB) onboarding or BaaS program compliance.

• Working knowledge of KYC/CDD requirements and BSA/AML obligations.

• Experience conducting research on entities and individuals using public sources.

• Experience screening for adverse media, sanctions, and politically exposed person exposure.

• Proficient in using KYC or screening tools such as Sardine, Alloy, Unit21, or similar platforms.

• Excellent written communication skills and the ability to articulate risk decisions in straightforward language.

• Strong attention to detail and comfort in dealing with ambiguous or incomplete information.

• Capability to manage a queue, balance multiple priorities, and effectively prioritize tasks.

• A growth mindset and a self-driven attitude.

• Possession of CAMS or another AML certification, either completed or in progress, is a plus.

🏝️ Benefits

• Equity compensation.

• Medical insurance.

• Dental insurance.

• Vision insurance.

• Paid time off.

• 401(k) plan.

• High-trust, high-ownership environment.

• Direct access to leadership, customers, and investors.

• Meaningful equity opportunity.

• Fully remote work option.