KYC Analyst

What You'll Do

• 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.

Required 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.

Preferred Qualifications

• Experience working with KYC/KYB platforms such as Persona, Middesk, Sumsub, or similar identity and business verification tools.
• Familiarity with KYC/KYB and AML requirements across the US, Canada, EU, LATAM, or other international markets.
• Experience in payments, fintech, banking, or another highly regulated, high-growth environment.
• Familiarity with bank, acquirer, or payment partner compliance requirements and due diligence expectations.
• Experience building or improving KYC/KYB workflows, SOPs, controls, and operational processes.
• Background in high-growth payment companies and knowledge of banking partner requirements.

What We Offer

• The base salary range for this role is $85,000 to $110,000 USD.
• The actual base salary offered depends on a variety of factors, including but not limited to experience, education, skills, qualifications and business needs.
• Eligible for an equity grant, allowing you to share in the long-term success of the company.
• Access to a wide array of benefits, including health and wellness benefits, 401(k) savings plan, and flexible time off.