Legal Compliance Analyst

Mastercard Inc.; Holladay (UT); On-site; USD 69,000 - 110,000; Full time

Benefits offered by this job

Insurance (including medical, dental,

401k with company match

Tuition reimbursement

Paid parental leave and paid time off

Job summary

Mastercard is seeking a Legal Compliance Analyst to support Open Banking and Open Finance compliance across the Americas. You will read and analyze laws, translate them into risk assessments, and define controls to operate in this evolving space.

This role emphasizes KYC operations, consumer compliance workflows, and opportunities to automate processes and contribute to reporting and cross-functional initiatives within Mastercard's services framework.

Qualifications

• Experience in compliance operations, KYC or customer due diligence in banking, payments, or financial services
• Experience managing a case queue end to end, meeting SLAs
• Knowledge of KYC/AML requirements including CIP, CDD, EDD
• Ability to produce clear, well-documented case files and reporting
• Experience with case management, workflow or CRM systems (e.g., Fenergo, Salesforce)
• Nice-to-have: automation or AI to streamline manual work and Open Banking knowledge

Responsibilities

• Perform customer due diligence for Open Finance customers, resellers, and distributors with risk ratings and decisions
• Execute periodic KYC refresh and trigger event reviews; manage backlog to meet SLAs
• Process Consumer Compliance queues from intake through resolution and notification
• Identify opportunities to standardize and automate manual steps using automation and AI
• Track and report KPIs and KRIs for monthly senior management reporting
• Review bi-weekly pipeline with sales to confirm deal status and onboarding risk
• Participate in cross-functional projects to support compliance objectives

Skills

KYC operations

Case management

Open Banking knowledge

Automation/AI awareness

Regulatory compliance

Education

Compliance certification CAMS or ICA

Tools

Fenergo

Salesforce

Job description

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Title and Summary Legal Compliance Analyst Overview

Leveraging Mastercard's global payments network, our account-to-account business provides domestic and cross-border solutions to enable the frictionless future of payments. We help our customers capture business and consumer payment flows through rich messaging functionality, connect and safeguard the Open Banking ecosystem, and protect banks and their customers from financial crime. Open Banking sits within Mastercard's Services team, one of the fastest growing areas of our business, which fuels growth by going beyond the core payments network to deliver solutions in Customer Acquisition and Engagement, Security Solutions, Business and Market Insights, and Open Banking. Together, these offerings help our customers unlock new revenue, deepen consumer relationships, and navigate an increasingly complex digital economy. The Legal Compliance Analys for Open Banking will support our Open Finance business across the Americas. As open banking continue to emerge globally, we need a compliance professional who can read and analyze new laws, translate them into risk assessments, and identify the controls needed to operate in this evolving space.

Role

• Know-Your-Customer (KYC) Operations: Perform customer due diligence for Open Finance customers, resellers, and distributors, including Customer Identification Program, Customer Due Diligence, and Enhanced Due Diligence reviews, and document risk ratings and decisions
• KYC Refresh: Execute periodic refresh and trigger event reviews, including collection of updated documentation, and backlog management to meet service level agreements
• Consumer Compliance Operations: Process Consumer Compliance operational queues daily, including consumer manual identity verification requests, privacy requests, and disputes, from intake through documentation review, resolution, and consumer notification
• Automation: Identify opportunities to standardize and automate manual operations steps, using automation and AI
• Reporting: Track and report Key Performance Indicators and Key Risk Indicators, including volumes, aging, and backlog, for monthly and senior management reporting
• Pipeline Review: Review the bi-weekly sales opportunity pipeline with sales representatives to confirm deal status and identify higher risk customers ahead of onboarding, and record outcomes in the team tracker
• Projects: Participate in cross-functional projects and perform other duties and responsibilities as assigned to support business and compliance objectives.

All About You

• Previous experience in compliance operations, KYC or customer due diligence, or consumer operations within banking, payments, or financial services
• Hands-on experience managing a case queue end to end, including intake, research, documentation, resolution, and closure, while meeting service level agreements
• Ability to work cases independently with limited supervision, applying written procedures consistently and knowing when to escape
• Working knowledge of KYC and Anti-Money Laundering requirements, including Customer Identification Program, Customer Due Diligence, and Enhanced Due Diligence
• Strong organization, time management, and attention to detail, with the ability to manage competing priorities and fluctuating volumes
• Ability to produce accurate, well-documented case files and clear reporting on volumes, aging, and backlog
• Experience with case management, workflow, or CRM systems (for example Fenergo, Salesforce, or similar)
• Experience building automation or AI agents to streamline manual operational work is a plus
• Knowledge of Open Banking or Open Finance products is a plus
• Compliance certification such as CAMS or ICA is a plus

Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role.

In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact [e-mail] and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.

Corporate Security Responsibility

• Abide by Mastercard’s security policies and practices
• Ensure the confidentiality and integrity of the information being accessed
• Report any suspected information security violation or breach, and Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines

In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role.

The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience.

Mastercard benefits for full time (and certain part time) employees generally include:

Insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more.

Mastercard benefits for interns generally include:

56 hours of Paid Sick and Safe Time; jury duty leave; and on-site fitness facilities in some locations.

THIS POSTING RELECTS ONE OR MORE CURRENT VACANCIES ON OUR TEAM, AND MASTERCARD INTENDS TO FILL THIS POSITION BY 01/04/2027. If the fill date has passed, Mastercard intends to fill this position as soon as possible.

Pay Ranges Salt Lake City, Utah: $69,000 - $110,000 USD

Everyone wants easier ways to pay; we invent them. Checkout lines are slow; we speed them along. Merchants want more sales; we give them data and insights. People need financial access; we connect them. Corporate purchasing is complicated; we make it simple. Commuters are busy; we speed them on their way. Governments need greater efficiencies; we help create them. Small businesses are virtual; we give them access to a world of buyers. Retailers want to fight fraud; we provide the tools.