Compliance Operations Analyst (m/f/d)

Pliant; Berlin; Vor Ort; EUR 50.000 - 70.000; Vollzeit

Benefits dieser Stelle

Attractive remuneration

Monthly mobility benefit

Wellhub Membership

Pliant Card with monthly credit

Zusammenfassung

Pliant, located in Berlin, is seeking a Compliance Operations Analyst to oversee onboarding and risk assessment for corporate clients. The ideal candidate will possess strong experience in operational compliance and a solid understanding of European regulatory frameworks. This position offers a clear path to senior roles as Pliant's compliance function grows.

The role involves significant cross-functional collaboration and improving compliance operations. Candidates must have at least 3 years of relevant experience and demonstrate strong judgment and risk-based decision-making skills.

Qualifikationen

• 3+ years of experience in operational compliance in a bank, fintech, or regulated financial institution.
• Experience handling complex corporate structures across European jurisdictions.
• Solid understanding of European AML/CTF frameworks.

Aufgaben

• Own complex onboarding cases end-to-end for customers across European markets.
• Conduct thorough risk assessments and make documented decisions.
• Maintain clear and audit-ready documentation of compliance activities.

Kenntnisse

Operational compliance

KYB/KYC onboarding

Analytical thinking

Attention to detail

Fluent English

Ausbildung

Degree in law, finance, or economics

Relevant professional certification (e.g. CAMS)

Jobbeschreibung

ABOUT US

Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.

We serve two primary customer segments:

• Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines.

• Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant’s embedded finance and white-label solutions.

Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e‑money institution (EMI), we issue credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.

ABOUT THE ROLE

As a Compliance Operations Analyst, you take ownership of onboarding and risk assessment for our corporate clients, with a particular focus on European business and regulatory requirements. You are responsible for ensuring that KYB, KYC, and AML reviews involving European exposure meet applicable standards and are handled with strong judgment and consistency.

You act as the first‑line subject‑matter expert for European compliance topics, supporting the development of onboarding practices aligned with EU and broader European regulatory expectations. In doing so, you build the foundation for scalable and robust compliance operations within Pliant.

Beyond case handling, you contribute to improving our compliance operations by refining processes, enhancing systems, and driving scalable solutions. You work closely with the Team Lead of Compliance Operations and collaborate cross‑functionally with Credit Risk, Product, Legal and Compliance teams. This role offers a clear path to senior or lead positions as Pliant's compliance function grows.

WHAT YOU’LL DO

Onboarding & Risk Assessment

• Own complex onboarding cases end‑to‑end — from initial document review through to final decision — for customers across European markets, including identification and verification of legal representatives and beneficial owners using commercial registers and corporate structure documentation.

• Conduct thorough risk assessments applying internal policies and regulatory expectations, making well‑reasoned, documented decisions on customer acceptance, escalation, or rejection.

• Assess complex ownership structures, including multi‑layered holding companies, determining ultimate beneficial ownership with accuracy and confidence.

Quality & Oversight

• Review cases prepared by colleagues, upholding the four‑eyes principle and providing constructive feedback to maintain high standards across the team.

• Maintain clear, structured, and audit‑ready documentation across all onboarding and compliance activities, ensuring full traceability of decisions.

• Serve as a go‑to reviewer for edge cases and escalations, helping set the bar for decision‑making quality across the team.

• Prepare and ensure compliance of customer data sets as part of the account opening process.

Process & Product Improvement

• Proactively identify inefficiencies in compliance workflows and drive concrete, scalable improvements in collaboration with relevant teams.

• Contribute to the development and refinement of internal policies, procedures, and risk frameworks as the business scales into new markets and segments.

• Support the rollout of new compliance tooling, including testing, feedback, and adoption within the team.

WHAT YOU’LL BRING

• 3+ years of experience in operational compliance (first line), working with SME or corporate clients within a bank, fintech, or regulated financial institution in Europe.

• Strong hands‑on experience with KYB/KYC onboarding and customer risk assessments, including the ability to independently handle complex corporate structures across European jurisdictions.

• Solid understanding of European AML/CTF frameworks and how they interact with international compliance requirements, with the ability to apply them in a practical, operational context.

• Familiarity with jurisdiction‑specific regulatory requirements and corporate registry practices across key European markets.

• A degree in law, finance, economics, or a related field, or a relevant professional certification (e.g. CAMS or equivalent) is a strong plus.

• Demonstrated ability to make sound, risk‑based decisions and balance regulatory requirements with business needs.

• High attention to detail and a strong quality mindset, with the ability to manage complex and sensitive cases reliably.

• Analytical and structured thinking, with the ability to quickly understand new regulatory requirements, systems, and risk scenarios.

• Proactive and collaborative working style, with confidence in engaging cross‑functional stakeholders and taking ownership of topics.

• Fluent English, written and spoken; additional European languages are a plus.

WHAT WE OFFER

• The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence.

• Attractive remuneration.

• Flat hierarchy and transparent communication in a relaxed, professional atmosphere.

• Opportunity to develop your talent in a dynamic team with ambitious goals.

• Flexibility and possibility to work remotely.

• Monthly mobility benefit.

• Wellhub Membership.

• Pliant Card with monthly credit to explore the product and enjoy food with colleagues.

EEO & DISABILITY INCLUSION STATEMENT

At Pliant, we believe diversity and inclusion are essential to building not only an innovative product but also an exceptional experience for both our customers and our team. This commitment begins with our hiring process—we welcome individuals of all racial and ethnic backgrounds, religions, national origins, gender identities or expressions, sexual orientations, ages, marital statuses, and abilities. If you require accommodations or accessibility support during the interview process, please let us know in your application so we can make sure your experience is seamless.