KYC/AML Compliance Analyst

Modern Treasury • San Francisco, CA

3h

About The Position

As a senior KYC/AML Analyst, you will be a member of our core compliance operations team. This role is designed for a high-performing individual contributor who wants to grow into a leadership position as our headcount expands. You will manage the "high-complexity" end of our onboarding funnel, focusing on domestic and international entities (LatAm & Europe). You will balance manual, deep-dive investigations with the strategic task of building our EDD and QA/Testing frameworks.

Requirements

• Experience: 5-7 years in AML/KYC, specifically within Fintech or Payments.
• Regional Knowledge: Expertise in US, European (6AMLD), and LatAm (CNBV/BACEN-style) compliance requirements.
• Tech Stack: Hands-on experience with Persona, Sardine, and TRM Labs (or similar on-chain tools like Chainalysis/Elliptic).
• Crypto-Comfort: A baseline understanding of stablecoins and liquidity transfers.
• The "Builder" Mindset: Demonstrated ability to create processes from scratch, not just follow existing ones.
• A proactive work attitude and willingness to dive into details.

Nice To Haves

• Relevant industry certifications such as CAMS, CFCS, CFE, CCI, or CRCM preferred.

Responsibilities

• Global Onboarding & Transaction Monitoring Cross-Border KYB: Lead the onboarding for a diverse range of domestic and international clients (Marketplaces, SMBs, Institutions).
• Stablecoin Compliance: Support the rollout of our stablecoin transfer products by conducting blockchain-native due diligence.
• Alert Triage: Manage transaction monitoring alerts within Sardine, identifying suspicious patterns in cross-border payment flows and fiat-to-crypto on/off-ramps.
• On-Chain Analytics: Utilize TRM Labs to screen wallets, trace funds, and mitigate exposure to high-risk or sanctioned virtual asset service providers (VASPs).
• KYC Reliance: Design the workflow to allow for "Reliance" on third-party KYC, significantly reducing friction for our users.
• QA/Testing: Develop and own the "four-eyes" review process to ensure high standards of accuracy across all KYC files.
• Process Improvement: Collaborate with the BSA/AML Officer to transition manual workflows into the automated Persona orchestration layer and add on AI bots to the flow.
• Program Maturity: Contribute to the development of Third-Party Risk Management (TPRM) and formal Issue Management protocols.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed