Senior Aml Analyst (Kyc/ Cdd/ Edd)

Senior AML Analyst (KYC / CDD / EDD)

We are seeking a Senior AML Analyst to support and execute advanced Know Your Customer (KYC) and Customer Due Diligence (CDD / EDD) processes to ensure compliance with the OSL Pay’s Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) obligations.

This role reports to the MLRO and focuses on managing complex onboarding and review high‑risk clients cases, validating the adequacy of KYC documentation, and supporting the continuous enhancement of the firm’s customer verification standards and procedures in the crypto‑asset environment. The Senior Analyst acts as a reference point for junior analysts and collaborates closely with the Deputy MLRO and MLRO on higher‑risk cases.

Responsibilities

• Perform and supervise KYC, CDD, and EDD checks for individual and corporate clients, ensuring compliance with AMLD5 / 6, MiCA, and internal AML policies.
• Review and validate customer identification documents, beneficial ownership structures, and verification evidence for accuracy and completeness.
• Assess complex client profiles, including politically exposed persons (PEPs), and clients with exposure to high‑risk jurisdictions.
• Conduct and validate screening against sanctions, PEP, and adverse media databases, investigating and documenting any potential matches.
• Review source of funds (SoF) and source of wealth (SoW) information, ensuring consistency with the client’s risk profile.
• Support periodic KYC file reviews and remediation projects, ensuring timely updates and compliance with internal standards.
• Act as a subject matter expert for KYC‑related issues, providing guidance and feedback to junior analysts.
• Escalate and discuss high‑risk or suspicious cases with the Deputy MLRO and MLRO, ensuring appropriate resolution and documentation.
• Contribute to the improvement and automation of KYC workflows, documentation templates, and onboarding tools.
• Stay informed about regulatory changes, FATF guidance, and crypto compliance trends, ensuring alignment with evolving requirements.

Requirements

• Bachelor’s degree or higher in Finance, Law, Accounting, or related field; CAMS / ACAMS or equivalent preferred.
• 3‑5 years of experience performing CDD tasks and implementing AML procedures in EU regulated payments, fintech or digital financial services firms.
• Strong knowledge of EU AML / CFT regulations, FATF guidelines, and international sanctions frameworks.
• Strong knowledge of Italian AML / CFT regulations (d. lgs. 231 / 07, d. lgs. 109 / 07, Bank of Italy and UIF Provisions).
• Strong knowledge of CDD / EDD requirements, beneficial ownership analysis, and risk‑based approaches under EU and Italian AML requirements.
• Experience handling complex or high‑risk customer onboarding and remediation cases.
• Strong understanding of blockchain technology and virtual asset transaction flows.
• Familiarity with KYC and screening systems (e.g., World‑Check, ComplyAdvantage, SumSub, Chainalysis).
• Proven ability to work independently and manage priorities, and mentor junior team members.
• Integrity, discretion, and the ability to handle sensitive information with professionalism.
• Fluent in Italian & English to engage effectively with global internal stakeholders.