Senior CDD/EDD Analyst — AML Risk & Compliance

Xpate; United Kingdom; Hybrid; GBP 70,000 - 100,000; Full time

Benefits offered by this job

Flexible working hours

Hybrid work option

Private health insurance

Extra paid time off

Apple hardware and tools

Job summary

xpate is seeking a Senior Due Diligence Officer to conduct risk-based CDD and EDD reviews across its portfolio. You will analyse corporate docs, financials, licensing and sanctions, and assess overall customer risk, feeding into risk mitigations and regulatory alignment.

The role covers UK and Latvian frameworks with potential expansion to other jurisdictions. You will prepare information requests, collaborate with internal teams, and document findings clearly with evidence-based conclusions.

Qualifications

• More than 4 years of AML and sanctions compliance experience with CDD/EDD focus.
• Strong understanding of multi-jurisdictional entity structures and beneficial ownership.
• Ability to analyse banking and acquiring activity and assess risk holistically.
• Excellent understanding of CDD/EDD requirements and documentation.
• Knowledge of Visa/Mastercard requirements, merchant site analysis and transaction laundering indicators.
• Experience with UK and Latvian regulatory requirements.
• Excellent analytical thinking and attention to detail.
• Strong organisational skills to manage multiple cases and priorities.
• Ability to work independently with sound judgement.
• Effective communication and stakeholder management; excellent English.

Responsibilities

• Perform risk-based periodic and event-driven CDD and EDD reviews for clients.
• Analyse corporate docs, financials, licensing, registers and sanctions findings.
• Assess customer risk by combining KYC/KYB data with monitoring results.
• Prepare information requests and ensure timely follow-up.
• Communicate with internal teams to obtain information and complete reviews.
• Document findings with evidence-based conclusions and recommendations.
• Identify risk mitigation measures aligned with policy and regulatory obligations.
• Contribute to improving CDD/EDD methodologies, templates and guidance.
• Support regulatory changes and compliance projects as required.
• Prepare internal suspicious activity referrals for MLRO review.

Skills

AML compliance

CDD/EDD analysis

KYC/KYB analysis

Beneficial ownership

Regulatory knowledge UK Latvia

Transaction monitoring

Transaction laundering

Communication skills

Attention to detail

Independent worker

Job description

xpate is seeking a Senior Due Diligence Officer to conduct risk-based CDD and EDD reviews across its portfolio. You will analyse corporate docs, financials, licensing and sanctions, and assess overall customer risk, feeding into risk mitigations and regulatory alignment.

The role covers UK and Latvian frameworks with potential expansion to other jurisdictions. You will prepare information requests, collaborate with internal teams, and document findings clearly with evidence-based conclusions.