Senior KYC Analyst

Papaya Global; Municipio de Rincón de los Sauces; On-site; ARS 1,800,000 - 3,000,000; Full time

Job summary

Papaya Global is seeking a Senior AML & Financial Crime Specialist to strengthen our Global Compliance Operations team. This hands-on role focuses on transaction monitoring, investigations, and cross-border payments risk management.

You will mentor junior analysts, help enhance AML controls, and collaborate across Compliance, Product, Risk, and Engineering to stay ahead of evolving regulatory requirements.

Fluency in English is required, with 5–8 years of relevant fintech experience.

Qualifications

• 5–8 years in AML, financial crime, compliance, or fraud in fintech or regulated institutions.
• Strong experience in transaction monitoring, investigations, KYC/KYB, EDD, sanctions, and risk-based compliance.
• Solid understanding of international AML/CFT regulations and FATF.
• Experience in cross-border payments, fintech, or banking environments.
• Self-starter with proactive mindset and ability to work independently.
• Excellent analytical, problem-solving, and stakeholder management skills.
• Professional proficiency in English.

Responsibilities

• Conduct complex AML investigations and transaction monitoring reviews.
• Lead Enhanced Due Diligence and risk assessments.
• Collaborate with Compliance, Product, Risk, Operations, and Engineering.
• Identify trends and recommend control enhancements.
• Mentor junior analysts and support training initiatives.

Skills

AML investigations

Transaction monitoring

KYC / KYB

EDD

Sanctions screening

Cross-border payments

Analytical thinking

Stakeholder management

English proficiency

Tools

AML monitoring platforms

Case management systems

Data analysis tools

Job description

Papaya Global is a rapidly growing, award-winning B2B tech unicorn with an ambitious mission to revolutionize the payroll & payments industry. With over $400M raised from multiple tier-one investors, our innovative technology provides a comprehensive solution for managing global workforces, encompassing everything from hiring and onboarding to managing and paying employees in over 160 countries.

We are looking for a Senior AML & Financial Crime Specialist to strengthen our Global Compliance Operations team. This role is ideal for an experienced AML professional with a strong investigative mindset and expertise in transaction monitoring, financial crime risk, and cross-border payments.

The successful candidate will support the continuous enhancement of our AML framework, lead complex investigations, improve operational processes, and act as a technical reference for the wider Compliance team. This is a hands‑on role with opportunities to mentor junior team members while continuing to develop as a subject matter expert.

Key Responsibilities

• Conduct complex AML investigations, transaction monitoring reviews, and Enhanced Due Diligence (EDD) using a risk-based approach.
• Support the continuous improvement of AML controls, monitoring scenarios, and financial crime processes.
• Collaborate with Compliance, Product, Risk, Operations, and Engineering teams to strengthen financial crime prevention capabilities.
• Perform risk assessments, identify emerging financial crime trends, and recommend control enhancements.
• Contribute to regulatory reporting, internal procedures, training initiatives, and quality assurance activities.
• Mentor junior analysts and provide subject matter expertise across the Compliance function.

Requirements

• 5–8 years of experience in AML, Financial Crime, Compliance, or Fraud within fintech, banking, payments, or other regulated financial institutions.
• Strong experience in transaction monitoring, AML investigations, KYC/KYB, Enhanced Due Diligence (EDD), sanctions screening, and risk-based compliance frameworks.
• Solid understanding of international AML/CFT regulations and FATF recommendations.
• Experience supporting financial crime programs in a cross-border payments, fintech, or banking environment.
• Self‑starter with a proactive mindset, capable of working independently and driving initiatives with minimal supervision.
• Comfortable operating in a fast‑paced, high‑growth environment with evolving priorities and ambiguity.
• Strong analytical, problem‑solving, and stakeholder management skills, with the ability to balance operational execution and continuous improvement.
• Professional proficiency in English.

Nice to have

• Experience within a fintech, Payment Service Provider (PSP), payroll, or other global payments environment.
• Exposure to cryptocurrency products, blockchain analytics, or crypto‑related financial crime investigations.
• CAMS, ICA, CFCS, or equivalent AML certification.
• Experience with AML monitoring platforms, case management systems, and data analysis tools.