Compliance Analyst

United States Digital Space LLC; Bogotá; Presencial; COP 62.757.000 - 80.190.000; Jornada completa

Descripción de la vacante

United States Digital Space LLC in Bogotá, Colombia seeks a detail-oriented Compliance Analyst to join our Compliance Team. This role provides second-line oversight, translating regulatory requirements into practical guidance and governance-ready documentation across consumer finance and payments.

You will conduct reviews, manage issues, support product and vendor compliance, and help strengthen controls while fostering a culture of integrity in a fast-moving fintech environment.

Formación

• Solid understanding of regulatory frameworks and compliance requirements for consumer financial products (e.g., BSA/AML, OFAC).
• Experience in compliance operations/advisory, risk management, quality assurance, or control/oversight activities.
• Strong written communication skills with ability to produce clear memos and evidence packages.
• Excellent project management and organizational skills with the ability to prioritize multiple workstreams.
• Analytical thinker with sound judgment and proactive risk mitigation.
• High integrity and ethical judgment with comfort escalating concerns when needed.
• Experience or familiarity with financial crimes compliance processes and high-volume data workflows.

Responsabilidades

• Provide compliance advisory support to business partners on consumer finance and payments requirements; document guidance, decisions, and follow-ups.
• Support Compliance Operations, Advisory, and Financial Crimes Compliance work using defined workflows and evidence standards.
• Perform second-line oversight reviews of complaint handling for higher-risk channels and contribute to trend/root-cause analysis.
• Maintain issue/action logs, validate remediation plans and evidence, and monitor aging to closure.
• Participate in change management oversight by reviewing initiatives for compliance impacts and approvals.
• Conduct pre-use compliance reviews of marketing and customer communications; document disclosures and risks.
• Assist with product development compliance assessments for new products and material initiatives.
• Support third-party compliance activities for customer-facing vendors; due diligence and monitoring.
• Support Financial Crimes Compliance operations, including BSA/AML monitoring and SAR processes.
• Assist with sanctions/OFAC screening and watchlist management, including disposition and escalation of matches.
• Support CIP and CDD/EDD activities, including identity verification exceptions and remediation.
• Prepare SAR narratives and governance-ready summaries for leadership and reporting.
• Advise business partners on financial crimes requirements and control expectations for products.
• Support regulatory responses and information requests, including FinCEN inquiries.
• Prepare clear memos and governance-ready summaries for internal and external reviews.
• Assist in gathering information for regulatory examinations or audits.

Conocimientos

Regulatory knowledge

Written communication

Project management

Analytical thinking

Integrity & ethics

Risk mitigation

Stakeholder engagement

Educación

BS/BA degree or higher

Descripción del empleo

The salary range for this role is $1,800 - $2,300 per month (Gross in USD)About the company

With a mission to financially empower the next generation, the company is revolutionizing the shopping experience beyond payments, blending cutting‑edge tech with seamless, interest‑free installment plans that make shopping smarter and more accessible. We’re not just transforming payments; we’re redefining how people discover, interact with, and purchase the things they love while driving real impact on merchant sales through increased conversions and higher order values. As we continue to shape the future of fintech and retail, we’re building an innovative, dynamic team passionate about creating more than just a transaction but a truly unique shopping journey. If you’re excited about pushing boundaries in tech and delivering a game‑changing experience for consumers and merchants alike, come join us at the company and help create the future of shopping!

About the role:

We are seeking a detail‑oriented and proactive Compliance Analyst to support the company’s Compliance Team. This role provides second‑line oversight and day‑to‑day advisory support across a wide range of business activities by translating regulatory requirements into practical guidance, executing operational compliance reviews, and producing governance‑ready documentation and reporting. This role plays a critical part in ensuring adherence to regulatory requirements and supporting the development of internal policies, standards and procedures, while fostering a culture of integrity and accountability across the organization.

What You'll Do:

• Provide compliance advisory support to business partners on consumer finance and payments requirements; document guidance, decisions, and follow‑ups.

• Support the intake, tracking, and completion of Compliance Operations, Advisory, and Financial Crimes Compliance work (advisory requests, reviews, alerts/cases, and actions) using defined workflows and evidence standards.

• Perform second‑line oversight reviews of complaint handling for higher‑risk channels (e.g., CFPB, BBB, and executive escalations) and contribute to complaint trend and root‑cause analysis.

• Support issues management governance by maintaining issue/action logs, validating remediation plans and evidence, and monitoring aging to closure.

• Participate in change management oversight by reviewing initiatives for compliance impacts, control readiness, and required approvals/escalations.

• Conduct pre‑use compliance reviews of marketing and customer communications; identify required disclosures and risks (e.g., UDAAP, fair lending) and document results.

• Assist with product development compliance assessments for new products and material initiatives; coordinate inputs, maintain risk/control documentation, and track conditions for launch.

• Support third‑party compliance activities for customer‑facing vendors (e.g., due diligence documentation support, contract requirement tracking, ongoing monitoring).

• Support Financial Crimes Compliance operations, including BSA/AML transaction monitoring, alert and case review, and disposition consistent with established procedures.

• Assist with sanctions/OFAC screening and watchlist management, including reviewing potential matches, documenting dispositions, and escalating true or probable matches.

• Support Customer Identification Program (CIP) and Customer Due Diligence/Enhanced Due Diligence (CDD/EDD) activities, including identity‑verification exceptions, remediation of identity defects, and program control testing.

• Assist in the preparation, documentation, and quality review of Suspicious Activity Report (SAR) narratives and supporting evidence, coordinating with investigators and escalating as appropriate.

• Advise business, product, and operations partners on financial crimes requirements and control expectations for new and existing products, and document guidance and decisions.

• Support responses to subpoenas and regulatory information requests, including FinCEN Section 314(a) inquiries.

• Prepare clear written memos and governance‑ready summaries (metrics, themes, escalations) for leadership and partner reporting.

• Assist in gathering and delivering relevant information for internal and external regulatory reviews, examinations, audits, or other supervisory events.

• Support additional compliance‑related initiatives and projects as assigned.

Required Qualifications

• Self‑motivated, adaptable, and capable of working independently or collaboratively.

• Solid understanding of regulatory frameworks, laws, and compliance requirements applicable to consumer financial products and services, including financial crimes requirements (BSA/AML, USA PATRIOT Act, and OFAC/sanctions).

• Experience in compliance operations/advisory, risk management, quality assurance, or other control/oversight activities (planning, documentation, analysis, and reporting).

• Strong written communication skills with the ability to produce clear documentation, memos, and evidence packages.

• Strong project management and organizational skills, with the ability to prioritize effectively across multiple workstreams.

• Analytical thinker with sound judgment and a proactive mindset; able to recommend practical solutions that mitigate risk and strengthen controls.

• Excellent interpersonal and communication skills, with the ability to engage with stakeholders at all levels and provide effective challenge and recommend practical solutions to mitigate risk and enhance controls.

• High integrity, sound ethical judgment, and comfort escalating concerns when needed.

• Working knowledge of Financial Crimes Compliance operations - transaction monitoring, alert/case management, sanctions screening, CIP/CDD, and SAR processes - or a demonstrated ability to learn them quickly.

• Comfort working with high‑volume data and structured review workflows.

• Self‑motivated, adaptable, and capable of working independently or collaboratively in a fast‑moving environment.

Education & Experience

• A BS/BA degree or higher in accounting, finance, business administration, legal studies, information systems, or a related field.

• Minimum of 3 years of professional experience in consumer finance, fintech, banking, or another regulated environment preferred.

• Financial industry compliance related certifications a plus (e.g. CAMS)

• Experience supporting complaint management oversight, issues management, change management, marketing review, product compliance assessments, financial crimes compliance (BSA/AML, sanctions, CIP/CDD, and SAR support), or third‑party oversight is highly desirable.

About You:

• You have relentlessly high standards - many people may think your standards are unreasonably high. You are continually raising the bar and driving those around you to deliver great results. You make sure that defects do not get sent down the line and that problems are fixed so they stay fixed.

• You’re not bound by convention - your success—and much of the fun—lies in developing new ways to do things

• You need action - speed matters in business. Many decisions and actions are reversible and do not need extensive study. We value calculated risk‑taking.

• You earn trust - you listen attentively, speak candidly, and treat others respectfully.

• You have backbone; disagree, then commit - you can respectfully challenge decisions when you disagree, even when do