KYC Operations Associate Analyst

Wise; São Paulo; Presencial; BRL 69 058 - 82 717; Tempo integral

Vantagens oferecidas por esta oferta de emprego

RSU’s in a rapidly growing company

Flexible working model

Health and dental allowance

30 days vacation + additional personal days

Paid parental leave and child care assistance

Transportation vouchers

TotalPass access to gyms and studios

Annual self-development budget

Resumo da oferta

Wise is hiring in São Paulo, Brazil for a role focused on customer and business onboarding with a strong emphasis on compliance and risk assessment. You will perform customer due diligence and monitor transactions while ensuring compliance with KYC/AML guidelines.

The ideal candidate will possess excellent communication skills, a proactive work attitude, and at least 1 year of experience in operations or compliance. The role offers a hybrid working model along with a comprehensive benefits package.

Qualificações

• Minimum of 1+ years of experience in Operations, particularly in CDD/EDD/AML or compliance roles.
• Basic knowledge of global KYC/AML compliance regulations.
• Ability to take decisions with a risk-based approach.

Responsabilidades

• Conduct initial and ongoing Customer Due Diligence reviews.
• Review customer transaction history for risk insights.
• Ensure customer records are accurate and compliance standards are met.

Conhecimentos

Verbal and written English skills

Communication and interpersonal skills

Analytical skills

Organizational skills

Attention to detail

Formação académica

Bachelor’s degree in Finance, Business Administration, Law, or related field

ICA, CAMS, or equivalent certification

Descrição da oferta de emprego

Job Responsibilities

• Customer and business onboarding: Conduct initial and ongoing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews. Take risk-based approach decisions in your reviews ensuring risk mitigation standards are met. Collect, analyse, and verify customer information according to KYC/AML guidelines and understand potential risks associated with each customer type. Assess customer identity documents, online company registries, complex business structures, ultimate beneficial ownership, customer source of wealth documentation, adverse media screening and other sources to make your decisions.

• Transaction monitoring and periodic reviews: Review customer transaction history and provide insights into customer behaviour patterns that may indicate risks. Conduct periodic reviews and analyse changes in customers history and account usage.

• Documentation and record keeping: Ensure customer records are accurate and updated as required. Maintain organised and detailed records of customers and decisions made during the KYC process. Ensure compliance with data privacy regulations and internal data security protocols.

• Risk assessment and escalation: Perform and document customer risk assessment based on collected information. Escalate to relevant teams when identifying activities exceeding our internal risk tolerance. Identify potential money laundering and fraudulent activities and file Suspicious Activity Reports as needed, ensuring proper documentation and rationale.

• Customer communication: Effective communication with customers by the relevant communication channels that Wise operates with (e.g. phone, email, and chat).

• KPIs: Perform your tasks and responsibilities within the expected key performance indicators set by the leadership team.

• Other: Tasks that are related to the position and are assigned to you by your lead. Participating in meetings, training, internal and external events.

Qualifications

• Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts.

• A minimum of 1+ years of experience in Operations, (preferably in CDD/EDD/AML or compliance roles).

• Basic knowledge of global KYC/AML compliance regulations and standards.

• Ability to take decisions and apply risk-based approach at your work.

• Punctual, independent, proactive and willing to get things done.

• Excellent communication and interpersonal skills, strong organisational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast paced and high pressure environment.

• Ability to handle routine.

• Ability to work autonomously within a limited variety of well-defined procedures and practices.

• Capable of identifying gaps in policies and processes and providing detailed feedback, including examples when possible, through the established communication channels.

• Flexible to work in shifts. We work when our customers need us the most including early mornings, day times, afternoons, late evenings, weekends and public holidays as per business needs.

Nice to have

• Education: Bachelor’s degree in Finance, Business Administration, Law, or related field.

• Certifications: ICA, CAMS, or equivalent certification (CDD/EDD focused).

Compensation and Location

Salary: 6,800 BRL gross per month.

Hybrid position located in Sao Paulo, Brazil.

Benefits

• RSU’s in a rapidly growing company
• Flexible working model
• An annual self-development budget
• Health and dental allowance for you and your dependents
• Company-paid: Life Insurance, and an EAP program
• Paid time off: 30 days vacation + 3 “Me” days + 1 volunteer day, annually
• A paid 6-week sabbatical leave after four years
• 18-weeks of paid parental leave, after a year with us and child care assistance
• Transportation vouchers
• Food (730 BRL per month) and meal (1,188 BRL per month) vouchers
• TotalPass access to 3,500 gyms and studios throughout Brazil
• Click here to learn more about the benefits that we offer at Wise