KYC & Compliance Specialist for Global Payments

Pantera Capital; Chicago, Northern (IL, KY); Hybrid; USD 85,000 - 110,000; Full time

Benefits offered by this job

Equity grant

Health and wellness benefits

401(k) savings plan

Flexible time off

Job summary

Coinflow is hiring a KYC Analyst to oversee the KYC/KYB lifecycle for merchants, ensuring compliant onboarding and ongoing maintenance. You will design workflows, implement improvements, and collaborate with Product and Engineering to drive tooling and automation while protecting the platform from regulatory risk.

You will lead reviews, manage escalation paths, and expand coverage to new regions and banking relationships, partnering with Compliance & Risk, Integrations, Support, and other teams.

Qualifications

• 2+ years of experience in KYC/AML within fintech, payments, or banking.
• Subject matter expertise with different jurisdictional compliance requirements and KYC/KYB for business entities and individuals.
• Familiarity with fraud signals and the ability to detect these during KYC review.
• Develop and manage program-level processes and requirements with a view toward growing into a team lead position.
• Strong communication skills and comfort operating in ambiguous, fast-paced environments.
• Bachelor's degree in Political Science/Liberal Arts, Business, Economics or a related field.

Responsibilities

• KYC/KYB Reviews: Own KYC/KYB reviews throughout merchant onboarding, ensuring compliance with applicable requirements while identifying opportunities to improve review quality, efficiency, and scalability.
• EDD Reviews: Manage Enhanced Due Diligence (EDD) reviews of KYC information during merchant onboarding, knowing the escalation paths for executive or leadership review or sign-off as needed.
• Product Expansion: Handle post-onboarding merchant requests for product or regional expansion, which may require conducting additional KYC/KYB or enhanced due diligence reviews to ensure compliance with new jurisdictional standards.
• Periodic Reviews & Recordkeeping: Oversee ongoing KYC/KYB maintenance and periodic reviews, ensuring merchant records remain complete and current and coordinating collection of updated documentation as needed.
• Program Management: Drive KYC/KYB initiatives as Coinflow expands into new regions, products, and banking relationships, translating new requirements into operational processes, controls, and playbooks working alongside Global MLROs and Underwriting Team.
• Collaboration: Serve as a subject matter expert for internal stakeholders by providing guidance on KYC documentation requirements and resolving compliance-related inquiries across the organization.
• KYC Reliance Reviews: Perform compliance assessments of partner KYC/AML programs for merchants utilizing third-party verification, ensuring alignment with Coinflow's reliance standards prior to integration.

Skills

KYC/AML expertise

Jurisdictional compliance

Fraud signals detection

Process design & SOPs

Strong communication

Education

Bachelor's degree in Political Science/Liberal Arts, Business, Economics or related field

Job description

Coinflow is hiring a KYC Analyst to oversee the KYC/KYB lifecycle for merchants, ensuring compliant onboarding and ongoing maintenance. You will design workflows, implement improvements, and collaborate with Product and Engineering to drive tooling and automation while protecting the platform from regulatory risk.

You will lead reviews, manage escalation paths, and expand coverage to new regions and banking relationships, partnering with Compliance & Risk, Integrations, Support, and other teams.