AML Associate

OANDA Poland sp. z o.o.; Kraków; On-site; PLN 70,000 - 100,000; Full time

Job summary

OANDA Poland sp. z o.o. is seeking an AML onboarding specialist to support onboarding across Europe and BVI divisions, ensuring client applications comply with regulatory requirements.

Responsibilities include conducting onboarding decisions and risk assessments, reviewing individual and corporate applications, maintaining audit trails, and serving as escalation point while meeting internal targets. The role requires strong English communication and extensive AML/regulatory knowledge.

Qualifications

• 2+ years of experience processing new account applications for individuals and corporates
• Excellent decision‑making, time‑management and organisational skills
• Strong written and verbal communication skills in English; solution‑focused mindset
• Extensive knowledge of UK and EU regulations and AML obligations

Responsibilities

• Conduct onboarding AML decisions and risk assessments, exercising discretion and judgement to conduct appropriate investigations
• Review and assess individual new account applications
• Review and assess corporate new account applications, including determination of ultimate beneficial owners and verification of discrepancies with the Central Register of Actual Beneficiaries (CRBR)
• Review and assess Professional and Experienced classification requests
• Review and assess new Affiliates/IBs
• Act as SME and point of referral/escalation for PIU updates, deceased clients, closing accounts, joint accounts, power of attorney, application anomalies, MiFIDII data mis‑matches
• Ensure adherence to local regulations (e.g. FCA, MFSA) and relevant AML laws by following procedures
• Maintain an appropriate audit trail and documentation evidencing each onboarded applicant or query
• Serve as local point of escalation for referrals or suspicions, and when necessary refer to the Team Manager for further review and investigation
• Operate efficiently to meet personal variable volume and qualitative targets
• Identify areas for development in operations, systems and training needs
• Perform other duties as required

Skills

AML compliance

Onboarding

Decision making

English communication

Regulatory knowledge

Job description

Join OANDA’s AML team as part of the onboarding process across Europe and BVI Divisions. The role ensures new client onboarding complies with regulations and legal requirements, supporting OANDA’s continued growth.

Responsibilities

• Conduct onboarding AML decisions and risk assessments, exercising discretion and judgement to conduct appropriate investigations.
• Review and assess individual new account applications.
• Review and assess corporate new account applications, including determination of ultimate beneficial owners and verification of discrepancies with the Central Register of Actual Beneficiaries (CRBR).
• Review and assess Professional and Experienced classification requests.
• Review and assess new Affiliates/IBs.
• Act as SME and point of referral/escalation for PIU updates, deceased clients, closing accounts, joint accounts, power of attorney, application anomalies, MiFIDII data mis‑matches.
• Ensure adherence to local regulations (e.g. FCA, MFSA) and relevant AML laws by following procedures.
• Maintain an appropriate audit trail and documentation evidencing each onboarded applicant or query.
• Serve as local point of escalation for referrals or suspicions, and when necessary refer to the Team Manager for further review and investigation.
• Operate efficiently to meet personal variable volume and qualitative targets.
• Identify areas for development in operations, systems and training needs.
• Perform other duties as required.

Qualifications

• Minimum 2years of experience processing new account applications for individuals and corporates.
• Excellent decision‑making, time‑management and organisational skills.
• Strong written and verbal communication skills in English; solution‑focused mindset.
• Extensive knowledge of UK and EU regulations and AML obligations.
• AML‑focused with a firm grasp of the purpose of regulatory and legal requirements.
• Enquiring mind with AML risk recognition and problem‑solving skills; attention to detail.
• Ability to perform well under pressure and maintain a client‑centric approach.
• Ability to work independently and multitask with minimal supervision.

OANDA is committed to creating an inclusive and accessible environment for everyone.