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Engage, Interact, Transact.
Senior Compliance Operations Analyst – Payments
Location
United States
Posted
73 days ago
Salary
0
Seniority
Senior
Job Description
Senior Compliance Operations Analyst – Payments
Solutions by Text
• Perform KYC/KYB onboarding reviews for individuals and entities, including identity verification, beneficial ownership, and control person validation. • Collect, analyze, and validate documentation and data. • Conduct sanctions, watchlist, PEP, and adverse media screening. • Review application packages, corporate docs, licenses, and expected activity, and reconcile inconsistencies. • Perform EDD for higher risk customers • Identify and document risk mitigants, conditions, and monitoring requirements. • Prepare concise case summaries, risk assessments, and recommendations for approvals/declines. • Triage, investigate, and disposition alerts with clear, evidence-based narratives; escalate cases per playbook and risk thresholds-based narratives. • Prepare SAR writeups and supporting documentation. • Resolve sanctions screening hits (OFAC, UN, EU, HMT) and PEP/adverse media alerts; apply positive reduction techniques. • Prepare sponsor bank Investigation Reports and supporting evidence packages within required timelines. • Coordinate sanctions controls (geo/IP screening, blocks/holds/freezes) and OFAC reporting workflows. • Conduct periodic KYC refresh (CDD/EDD), merchant risk reviews, and trigger-based reviews (e.g., sponsor bank inquiries, chargeback spikes). • Monitor card-brand compliance thresholds and coordinate with Payments & Subra Compliance leadership on remediation. • Maintain thorough case audit trails within the case management system. • Escalate findings to Compliance leadership per procedures • Meet SLAs, quality standards, and regulatory timelines. • Support internal/external audits, sponsor bank exams, and regulatory reviews. • Identify operational gaps and propose improvements to workflows and controls. • Maintain internal policy updates, typologies, and regulatory guidance relevant to AML/KYC and other payments and messaging compliance operations.
Job Requirements
- Experience in banking, fintech or payments operations
- Familiarity with key AML regulations and frameworks (eg., BSA/AML, USA PATRIOT Act, FinCEN SAR requirements, OFAC screening principles, and beneficial ownership rules.
- Exposure to transaction monitoring workflows, alert handling, and/or SAR referral processes.
- Experience with screening and research tools (eg., World-Check, Dow Jones, Lexis-Nexis) and case systems.
Benefits
- Adhere to the Company's Code of Conduct/Ethics.
- Create and maintain effective working relationships with other Company
- Contribute to the professional culture within the office and the company
- Project a professional and appropriate Company image in all dealings with clients, vendors, business partners and visitors.
- Ensure security of information in all matters pertaining to company, client, and consumer information.
- Contribute to the professional culture within the office and the company
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