SMA Analyst - KYC Operations

Join Wise, a global technology company on a mission to make money transfer and management easier and more affordable for everyone. As a KYC Operations Senior Analyst, you will play a critical role in ensuring compliance with regulatory requirements and conducting enhanced due diligence. You will analyze customer activities, behavior patterns, and maintain KYC records. This position requires a minimum of 1 year of experience in EDD, AML, or a similar financial crime compliance role. - Review and assess high-risk customer reports to provide analysis and approval as per the set policies and procedures. - Conduct enhanced due diligence, analyze customer activities, behavior patterns, and ensure that KYC records are kept up to date. - Communicate with other internal teams when required to handle escalated or complicated cases, and provide guidance and responses to daily inquiries. - Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts. - **You have a minimum of 1 year working experience in EDD, AML or a similar Financial Crime compliance role, or a comparable role at another company.** - You have a good understanding of the regulatory framework surrounding customer verification, preferably from a market that Wise currently operates in. - **Flexible to work in shifts. We work when our customers need us the most including early mornings, day times, afternoons, late evenings, weekends and public holidays as per business needs.** - You have a good understanding of AML/CFT Regulations and are able to effectively document your reasoning. - Ability to take decisions and apply risk-based approach at your work - Punctual, independent, proactive and willing to get things done. - Excellent communication and interpersonal skills, strong organisational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast paced and high pressure environment. - Ability to handle routine and stressful situations well. - Ability to work autonomously within a limited variety of well-defined procedures and practices. - Capable of identifying gaps in policies and processes and providing detailed feedback, including examples when possible, through the established communication channels. - You have familiarity with reading legal and regulatory documents. **Nice to have:** - Education: Bachelor’s degree in Finance, Business Administration, Law, or related field - Certifications: ICA, CAMS, or equivalent certification (EDD/AML focused) ## Additional Information **About this Role:** - Job level: **3** - Salary: **2400 - 2850 EUR gross/month** - Stock: To be reviewed at offer **Work authorization (Estonia):** - Candidates with **unrestricted right to work in Estonia** (e.g., EU/EEA citizens, permanent residents, holders of non-employment-based residence permits such as spouse/family TRP, or long-term resident permit): No restrictions, apply freely. - Candidates **already residing in Estonia with a valid TRP for employment** (linked to another employer): You are also eligible to apply, provided your TRP has a **remaining validity of at least 120 days from the date of application**. An administrative approval process (~40 days) will be required before your start date. No cost to you. - **Visa/work permit sponsorship is not available for this role.** Candidates who do not currently have the right to work in Estonia and would require sponsorship to relocate are not eligible. **If you hold a TRP for employment linked to another employer in Estonia**, please include the following in your application or cover letter: 1. Your current TRP **expiry date** 2. The **role and employer** your TRP is currently linked to This helps us assess timelines for your start date. **Current shift requirements:** - Two weekend shifts per month - Three 12:00–20:00 evening shifts per month - Three 14:00–22:00 evening shifts per month - The remaining shifts are typically 09:00–17:00 - **These shift requirements are mandatory and may change based on team and business needs.** **Hiring process:** - Resume review - Take-home test (reviewed by the team) - Screening call with the Recruitment team - Final interview with the SMA team For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit [](https://www.wise.jobs/). Keep up to date with life at Wise by following us on [LinkedIn](https://www.linkedin.com/company/1769571/) and [Instagram](https://www.instagram.com/wisecareers/).