CDD Operations Analyst — AML/KYC & Risk Decisions

Teya; Greater London; On-site; GBP 45,000 - 65,000; Full time

Job summary

Teya is building a financial platform for local businesses across Europe, including the United Kingdom. We’re seeking a Customer Due Diligence Operations Analyst to review onboarding, event-driven, and periodic CDD cases with a focus on accuracy, regulatory compliance, and high-quality customer experience.

Join our Financial Crime team to apply sound judgement, document decisions clearly, and work with AI-augmented workflows to continuously improve our processes and risk controls.

Qualifications

• A minimum of 2 years of experience in a CDD, KYC, or financial crime operations role, ideally within payments, card acquiring, or e-money.
• Working knowledge of UK and EU AML/KYC regulations and an understanding of how they apply to customer due diligence activity.
• Familiarity with card acquiring and/or e-money or banking products and the financial crime risks associated with them.
• Strong analytical skills, with the ability to interpret customer information and risk indicators and draw well-reasoned, documented conclusions.
• Sound judgement in ambiguous situations - able to make risk-based decisions without excessive escalation, and to clearly articulate the rationale behind them.
• Excellent written communication skills, with the ability to produce structured, complete, and reviewer-ready case notes and decisions.
• Highly organised, with strong attention to detail and the ability to manage a varied caseload consistently against volume targets and SLAs.
• A strong sense of ownership - follows through end-to-end, flags blockers early, and does not need to be chased to complete work.
• A collaborative team player with good interpersonal skills and a professional approach to cross-team engagement.

Responsibilities

• Review onboarding, event-driven, and periodic review CDD cases in a timely manner, ensuring all cases are completed within agreed SLAs and to a consistently high standard of quality.
• Collect and assess customer information in line with Teya's risk appetite and regulatory requirements, making risk-based decisions that are proportionate, documented, and defensible.
• Produce clear, complete case documentation that tells the story of a decision, including the rationale for edge cases, without gaps that require follow-up to interpret.
• Exercise sound judgement on ambiguous cases, escalating where genuinely needed rather than routinely, and articulating reasoning clearly when doing so.
• Identify patterns or anomalies across casework and raise issues proactively with a proposed solution, contributing to the continuous improvement of CDD processes.
• Collaborate effectively with colleagues across Compliance, Sales and Customer Support, to gather information and resolve queries efficiently.
• Engage constructively with new tooling and AI-augmented workflows, looking for smarter ways to work rather than defaulting to legacy manual approaches.
• Keep up to date with AML/KYC regulations, financial crime typologies, and internal policy changes to ensure casework reflects current standards and best practice.

Skills

Analytical skills

Attention to detail

Written communication

Organised

Risk assessment

Collaborative

Ownership

Interpersonal skills

Education

AML/KYC qualifications (ICA/ACAMS)

Tools

Case management systems

CDD/KYC tooling

Job description

Teya is building a financial platform for local businesses across Europe, including the United Kingdom. We’re seeking a Customer Due Diligence Operations Analyst to review onboarding, event-driven, and periodic CDD cases with a focus on accuracy, regulatory compliance, and high-quality customer experience.

Join our Financial Crime team to apply sound judgement, document decisions clearly, and work with AI-augmented workflows to continuously improve our processes and risk controls.