Associate Analyst, Compliance

Visa; Warszawa; On-site; PLN 180,000 - 280,000; Full time

Job summary

Visa in Warsaw, Poland, is seeking an AML/KYC professional to conduct KYC/CDD reviews for financial institution clients and partners. You will perform sanctions screening, assess regulatory standing, and prepare clear risk assessments for onboarding decisions.

The role requires at least 3 years in AML or financial crime, a JD or equivalent, and experience with onboarding systems and case management tools. You will collaborate with relationship managers, maintain documentation, and ensure

Qualifications

• 3 years of AML, financial crime compliance or KYC experience.
• Juris Doctorate from an accredited law school and State Bar in good standing.
• Eligible to become barred or registered in-house counsel in the role's state.
• Experience onboarding financial institutions, payment entities, or fintechs.
• Strong understanding of AML, KYC/CDD, sanctions, and related regulations.

Responsibilities

• Perform KYC and CDD reviews for financial clients and partners.
• Conduct sanctions, PEP, adverse media screening and escalate as needed.
• Assess ownership structures, licenses, regulatory status, and products.
• Review due diligence docs for completeness and accuracy.
• Analyze funds flow, source of funds, and transaction activity for risk indicators.
• Prepare risk assessments and onboarding recommendations.
• Escalate high-risk relationships and unusual activity per procedures.
• Support periodic KYC refreshes and regulatory inquiries.
• Engage with clients and internal stakeholders to obtain onboarding information.
• Maintain records with regulatory and audit requirements.

Skills

KYC/AML expertise

Regulatory compliance

Analytical skills

Communication skills

Attention to detail

Education

Juris Doctorate (JD)

Bachelor's degree or equivalent professional experience

Tools

Screening platforms

Case management tools

Onboarding systems

Financial crime software

Job description

About Us

Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale - tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.

Join Visa and do work that matters - to you, to your community, and to the world. Progress starts with you.

Job Description

The core responsibilities for this role are as follows:

• Conduct KYC and CDD and refresh reviews for financial institution clients, network partners, and other regulated entities.
• Perform sanctions, PEP, adverse media, and internal watchlist screening, ensuring relevant matches are assessed, documented, and escalated where appropriate.
• Assess ownership and control structures, licensing status, regulatory standing, products and services, jurisdictions, customer types, and expected activity.
• Review due diligence documentation to confirm completeness, accuracy, and consistency with internal standards and regulatory expectations.
• Analyze flow of funds, source of funds, expected transaction activity, and business model information to identify potential financial crime risk indicators.
• Prepare clear risk assessments and onboarding recommendations for review and approval.
• Escalate higher-risk relationships, unusual activity indicators, policy exceptions, or complex due diligence findings in line with internal procedures.
• Support periodic KYC refreshes, remediation activity, audit requests, and regulatory enquiries where required.
• Engage with clients, relationship managers, and internal stakeholders to obtain, clarify, and validate onboarding information.
• Maintain accurate records, rationale, and supporting evidence in line with regulatory, audit, and internal documentation requirements.

Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

Basic Qualifications

• 3 years of relevant experience.
• Juris Doctorate degree from an accredited law school.
• Current member in good standing of a State Bar with the ability to become barred or a registered in-house counsel in the state where this role is located.

Preferred Qualifications

What You'll Need

• 3+ years' experience in AML, financial crime compliance, KYC, onboarding, due diligence, or risk management within financial services, payments, banking, or fintech.
• Bachelor's degree or equivalent professional experience.
• Good understanding of AML, CTF, sanctions, KYC/CDD, enhanced due diligence, and financial crime regulatory requirements.
• Knowledge of financial institution due diligence, including banks, payment service providers, EMIs, fintech's, and other regulated or complex entities.
• Strong analytical skills, with the ability to interpret information, identify financial crime risk indicators, and document clear risk-based conclusions.
• Ability to review corporate ownership structures, regulatory licenses, control frameworks, and complex business models.
• Strong attention to detail, sound judgement, and an investigative mindset.
• Clear written and verbal communication skills, with the ability to explain due diligence requirements and risk findings to internal stakeholders and clients.
• Ability to manage competing priorities, work accurately to deadlines, and maintain quality while meeting agreed SLAs.
• ICA, ACAMS, or another recognized financial crime, compliance, or risk qualification.
• Experience onboarding financial institutions, payment institutions, fintech's, correspondent partners, or complex corporate customers.
• Experience conducting enhanced due diligence, reviewing financial crime control frameworks, or assessing higher-risk customer relationships.
• Familiarity with onboarding systems, case management tools, screening platforms, or financial crime workflow solutions.

Visa is an EEO Employer

Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.