Senior Analyst – KYC Operations, FI Onboarding

Nium; Mumbai; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Nium is seeking an Analyst/Senior Analyst in Know Your Business (KYB) Operations in Mumbai to strengthen compliance and risk mitigation for our financial institution clients. You will conduct due diligence, analyze data, identify potential risks, and collaborate with internal teams to implement KYB strategies.

The role requires 2–5 years of onboarding experience, knowledge of FATF recommendations, and the ability to work in a rotational shift environment.

Qualifications

• Experience conducting due diligence on financial services providers.
• Knowledge of Global Client Due Diligence and FATF guidelines.
• Experience with onboarding in fintech/PSP environments is a plus.
• Strong organizational skills and attention to detail.

Responsibilities

• Perform due diligence on financial institution clients by analyzing KYC information.
• Carry out risk assessments using internal and external sources.
• Collaborate with account managers to obtain documentation according to policies & procedures.
• Review existing client accounts to keep information current and complete.
• Maintain understanding of AML, KYC regulations and due diligence requirements.
• Report suspicious/high-risk accounts to Compliance.
• Work with Product & Technology teams to implement onboarding and EKYC workflows.
• Monitor operations performance and report to leadership.
• Lead projects to improve processes through simplification or automation.
• Rotational shift environment with flexible holidays across geographies.

Skills

Due diligence

Risk assessment

Attention to detail

Communication skills

Multitasking

Time management

Team collaboration

Tools

Microsoft Office

Job description

The Analyst/Senior Analyst in Know Your Business (KYB) Operations plays a critical role in ensuring compliance and risk mitigation for financial institution clients of Nium. This role conducts due diligence, analyzes data, identifies potential risks, and collaborates with internal teams to develop and implement KYB strategies.

Responsibilities

• Perform due diligence on Banks, PSPs, MSBs and other financial institution clients by conducting detailed analysis of KYC information and documentation received.
• Carry out risk assessment using internal & third-party sources.
• Liaise with account managers and sales to obtain necessary documentation according to Nium’s policies & procedures.
• Perform periodic review of existing client accounts to ensure client information and documentation are always current and complete.
• Develop and maintain a good understanding of AML, KYC regulations and client due diligence requirements.
• Report suspicious / high risk accounts to Nium's Compliance team.
• Work with Product & Technology teams to implement onboarding and EKYC workflows in new/existing markets.
• Monitor work position and report operational performance to the Operations leadership.
• Run projects to improve processes through simplification or automation.
• This role requires working in a rotational shift environment. Nium operates across multiple geographies, so there are no fixed holidays and we follow a flexible holiday policy.

Qualifications

• 2-5 years of relevant experience in onboarding and conducting due diligence on financial services providers for downstream activities such as correspondent banking.
• Strong understanding of Global Client Due Diligence requirements and FATF recommendations.
• Prior experience in correspondent banking or FI onboarding at fintech/PSP companies will be an added advantage.
• Attention to detail and good organizational skills are essential.
• Ability to prioritize, organize and execute tasks with minimal supervision.
• Good communication skills, both written and verbal.
• Ability to multi-task and keep calm under pressure.
• Good working knowledge of Microsoft Office and other technology tools for end-users.
• Flexible to work outside normal office hours and in rotational shifts to support operational requirements.