Senior Risk Analyst, KYC

Marqeta, Inc.; Warszawa; Hybrid; PLN 156,000 - 195,000; Full time

Benefits offered by this job

Home office stipend

Development stipend

Pension Allianz

Health insurance

Floating holidays

Office amenities

MultiSport Plus

Job summary

Marqeta, Inc. seeks a Risk Senior Analyst, KYC, to own consumer and business CIP/KYC across global issuing partnerships, reducing risk and ensuring regulatory alignment. You'll join Risk Operations at the crossroads of compliance, fraud prevention, and operations.

The role supports hybrid work from Warsaw (Tues–Thu onsite). Core duties include CIP/KYC investigations, bank coordination for EMEA and CAD, sanctions oversight, and process improvements to scale workflows.

Qualifications

• 5 years related experience
• Proven ability to develop and implement efficient CIP/KYC processes
• Demonstrated ability to work with cross-functional, virtual teams
• Ability to manage multiple projects and meet aggressive schedules
• Superior communication skills (oral, written, presentation)
• Self-starter who can work independently

Responsibilities

• Independently resolve CIP/KYC problems requiring in-depth investigation
• Conduct follow-up CIP/KYC research
• Maintain or exceed standards for customer service and resolve complex issues with minimal supervision
• Coordinate with issuing banks to ensure EMEA/CAD CIP/KYC/KYB compliance; perform CIP/KYC audits
• Apply sound decision-making to mitigate corporate risk at each review point
• Oversee US and Global sanctions research and BPO oversight
• Identify process or system improvements to streamline workflows
• Stay current with Marqeta and issuing bank procedures and regulatory issues

Skills

G-Suite

Snowflake

SQL

Looker

Education

Undergraduate degree in STEM or business, finance or economics

Job description

As Marqeta's Risk Senior Analyst, KYC, you will play a critical role in protecting the integrity of Marqeta's card programs by owning consumer and business KYC compliance across our global issuing partnerships, directly reducing corporate risk and keeping Marqeta aligned with evolving regulatory standards. You'll be part of the Risk Operations team, a collaborative group that sits at the intersection of compliance, fraud prevention, and operational excellence. In this role, you'll independently investigate and resolve complex CIP/KYC issues, coordinate with issuing banks on EMEA and CAD compliance requirements, oversee US and global sanctions research, and drive process improvements that streamline how we work at scale.

This role can be performed in a hybrid work model (Tuesday, Wednesday, Thursday onsite) from our Warsaw office. We’d love for you to join us!

The Impact You’ll Have

• Independently resolve problems that require in depth investigation and/or research
• Conduct follow-up research on CIP/KYC issues
• Maintain or exceed established standards for customer service, and resolves complex issues with little or no supervision or direction
• Coordinates with Issuing Banks to ensure that Marqeta is compliant with their requirements for EMEA,CAD CIP/KYC/KYB; performs required CIP/KYC audits in compliance with bank requirements
• Practice using sound decision-making and discretion in making independent decisions that mitigate corporate risk at each decision point throughout the review.
• US and Global Sanctions research and oversight of the work performed by the BPO
• Identify process and/or system improvement initiatives and resolution in order to re-engineer and streamline workflow.
• Maintains a current understanding of and complies with Marqeta and Issuing Bank procedures and policies, including regulatory compliance issues related to BSA procedures and policies, GLBA, Dispute Resolution and Safeguarding Customer Information.

Who You Are

• 5 years related experience
• Proven ability to develop and implement efficient and effective business and consumer CIP/KYC processes
• Demonstrated ability to achieve results through cross-functional, virtual teams
• Ability to prioritize, manage, and deliver on multiple projects simultaneously; highly motivated and able to work against aggressive schedules
• Superior communication skills (interpersonal, verbal, presentation written, email)
• Positive attitude, team player, adaptable, resourceful, and self-starter who is able to work independently
• Skilled in G-Suite, Snowflake, SQL and Looker.

Nice-To-Haves

• Undergraduate level degree in STEM or business, finance or economics
• CAMS certification
• Card payment issuance, processor, program manager experience
• Knowledge of basic regulatory and compliance requirements in card payments space
• Knowledge of SQL

Your Manager

• Guy Bineli, Senior Manager, Risk Operations

Typical Process

• Application Submission
• Recruiter phone call
• Hiring manager video call
• Virtual “Onsite” consisting of 4-5, 45 min calls
• Offer!

Compensation And Benefits

When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this full-time position, reflected in PLN, is: 156,000- 195,000.

The bonus target for this position is 10% of the applicable base salary, subject to the plan terms and meeting eligibility requirements.

Along With Monetary Compensation, Marqeta Currently Offers

• Monthly stipend for your home office equipment and connectivity
• Annual development stipend to support your growth and development
• Pension Scheme provided by Allianz
• Employee health insurance through LUX MED with employee cover paid at 100% by Marqeta
• Four floating holidays as additional paid days off to annual leave entitlement
• In-office amenities including: drinks and snacks, wellness room, dedicated barista, community events onsite
• MultiSport Plus membership offerings

About Marqeta

Marqeta is on a mission to change the way money moves. We’re one of the earliest enablers of embedded finance, a market opportunity sized up in the trillions. Our card issuing platform provides unprecedented flexibility and control for companies to issue cards, authorize transactions, and manage payment operations in real time. Marqeta is powering the most well known brands in the new economy (Block, Cash App, Affir ``` (Note: The assistant's output ended abruptly. The assistant truncated the formatted description prematurely because of length limitations. The user expects the full JSON with the complete formatted HTML string as per specification.)