Senior KYC & QC Analyst

PAYALLY GLOBAL; Województwo mazowieckie; Hybrid; PLN 124.000 - 149.000; Vollzeit

Zusammenfassung

PAYALLY GLOBAL is seeking a Senior KYC & AC Analyst to support client onboarding and ongoing due diligence, ensuring compliance with regulatory requirements and internal policies. You will conduct client reviews, identify financial crime risks, and oversee the department's quality control of onboarding and ODD activities.

You will mentor junior colleagues, deliver internal trainings, and engage with stakeholders to drive risk-based decision making.

Qualifikationen

• 3+ years of experience in customer onboarding, including high-risk customers and entities with complex ownership structures.
• Proven experience in SAR/STR reporting and identifying suspicious activity in line with regulatory requirements.
• Strong decision-making and analytical skills; able to assess risk independently.
• Ability to mentor junior team members and contribute to process improvements.
• Excellent communication and stakeholder management skills.

Aufgaben

• Oversee customer onboarding and ODD/EDD processes by gathering information and documents.
• Request additional information from customers as needed.
• Apply due diligence measures according to risk category.
• Conduct sanctions, PEP/RCA, and adverse media screening.
• Prepare customer risk assessments and propose mitigations.
• Assess business relationships and escalate per procedure.
• Make independent decisions on establishing or terminating relationships.
• Review AML/KYC documents and propose amendments.
• Report money laundering or terrorist financing concerns to the MLRO.
• Quality control of onboarded cases and ODD review.
• Carry out operational KYC tasks.

Kenntnisse

KYC onboarding

SAR/STR reporting

Risk assessment

Analytical thinking

Public speaking

Stakeholder updates

Mentoring juniors

Russian language (advantage)

Jobbeschreibung

Location: Hybrid / Warsaw, Poland
job type: Permanent / Full-time
Sector and subsector: Banking & Financial Services | Compliance
Salary: Negotiable salary

The Role

We are looking for a detail-oriented and analytical Senior KYC & AC Analyst to support client onboarding and ongoing due diligence processes as well as quality-check the department's work.

You will be responsible for conducting client reviews, identifying financial crime risks, and ensuring compliance with regulatory requirements and internal policies.

Job responsibilities

• Overseeing Customer Onboarding and performing Ongoing Due Diligence (both individuals and corporates) processes by organising collection of information, explanations, data and documents for Customer Identification, Customer Identity Verification, review and evaluation;
• Communicating requests to Customer regarding provision of additional information, explanations and supporting documents;
• Applying relevant Customer Due Diligence measures according to the Customer risk category;
• Performing and/or evaluating results of Sanctions, PEP/RCA and Adverse Media Screening on Customers during onboarding and ODD/EDD activities;
• Preparing Customer Risk Assessment, identifying risks associated with specific Customer, as well as proposing risk mitigating measures where relevant;
• Assessing whether a Business Relationship may be established, maintained, restricted, or terminated from a first-line due diligence perspective, and escalating the case in accordance with the approval and escalation framework set out in this Procedure;
• Making individual and independent decision on establishing, maintaining or terminating Business Relationship with the Customer and submitting the decision for consideration according to the established procedure. KYC Analyst prepares cases for the review and suggests the decision on the Customer and submits the case for final decision according to the process established in this Procedure:
• Reviewing the Company’s AML/CTF, KYC documents and suggesting amendments when necessary.
• Reporting any knowledge or suspicion of money laundering or terrorist financing to MLRO (or a nominated Deputy MLRO).
• Quality Control (Onboarded cases and ODD) review and identified inconsistencies and deficiencies analysis and reporting
• Operational KYC tasks

Key Requirements:

• 3+ years of experience in customer onboarding, including high-risk customers and entities with complex ownership structures.
• Proven experience in SAR/STR reporting and identifying suspicious activity in line with regulatory requirements.
• Strong decision-making and analytical skills, with the ability to assess risk confidently and independently.
• A hands-on, proactive professional who takes ownership and drives tasks through to completion.
• Confident public speaker with experience delivering internal presentations, training sessions, and stakeholder updates.
• Excellent interpersonal skills with the ability to work effectively both independently and as part of a collaborative team.
• Experience managing complex onboarding cases while balancing risk and customer experience.
• Ability to mentor junior team members and contribute to continuous process improvements.
• Knowledge of Russian language would be an advantage.

About PAYALLY GLOBAL

PAYALLY GLOBAL is a group of financial institutions that provides comprehensive and tailored financial solutions for businesses and private clients with global ambitions.

As the financial industry becomes increasingly automated, PAYALLY GLOBAL remains committed to maintaining a personal approach. Each client is supported by a dedicated Relationship Manager who ensures precision, trust, and consistency in every interaction.

As a principal member of Visa and Mastercard, PAYALLY GLOBAL offers a fully integrated suite of financial services designed to meet the complex needs of international operations. The company’s global infrastructure enables seamless cross-border payments in 39 currencies, ensuring efficiency, compliance, and transparency across all transactions.

Its services include international and local payments, multi-currency accounts, foreign exchange, debit cards, card issuing, and payment gateways, all managed within one secure environment.

PAYALLY GLOBAL combines global reach with human precision to deliver financial solutions that inspire confidence and support sustainable growth.

Pay for this role is starting at 2800 EUR gross per month, depending on your experience.