FinCrime Operations Senior Analyst - AUP (formerly Surveillance Analyst) at Wise

Budapest, Hungary

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, FinTechIndustries

Requirements

Excellent verbal and written English skills and strong communication in cross-team environments
Punctual, independent, proactive, and willing to take full responsibility in various situations
Ability to handle routine tasks effectively with razor-sharp attention to detail
Ability to multitask well and take ownership in different situations
Compliance or banking background is a plus

Responsibilities

Monitor and investigate customer cases with a deep understanding of Wise’s AUP regulations, compliance framework, and regulatory environment
Perform due diligence on customers and businesses through various data sources (e.g., websites, financial statements, AML policies, external legal opinions), applying a risk-based approach to maintain speed, quality, and consistency
Demonstrate deep understanding of different business models, customer types, and regulatory requirements across multiple geographies
Take risk-based case decisions with clearly documented and auditable records, in line with customer due diligence policy, acceptable use policy, and applicable regulations
Communicate with customers as required for escalated or complicated cases, showing strong customer empathy and clear communication of decisions and policies
Coach others on regulatory obligations, policy fulfillment, and risk-based approach to deterring and preventing money laundering and financial crime
Work with the team and compliance to evolve policies and due diligence processes, improving knowledge, risk management, and customer experience
Escalate suspicions and/or concerns to the AML and Fraud teams for review
Act as an AUP expert, sharing knowledge across teams, delivering great customer experience, and contributing through side projects and ideas on process, policy, or product improvements
Analyse, re-evaluate, build, and document risk factors and risk mitigation methods shaped by local regulations, licensing requirements, and banking partner agreements
Represent policies, processes, and auditable work to regulators and auditors

Skills

FinCrime

AML

Customer Due Diligence

Risk Assessment

Regulatory Compliance

AUP

Surveillance

Money Laundering Prevention

Case Investigation

Business Model Analysis

Wise

Facilitates low-cost international money transfers

About Wise

Wise focuses on international money transfers, providing a low-cost alternative to traditional banks. It uses a peer-to-peer system to match transfers between users in different countries, which helps reduce fees and offers better exchange rates. Customers pay a small, transparent fee for each transaction, and Wise also offers a multi-currency account for managing funds in various currencies. The company aims to maintain high performance and reliability while ensuring transparency and trust with its users.

London, United KingdomHeadquarters

2011Year Founded

$385.5MTotal Funding

IPOCompany Stage

Fintech, Financial ServicesIndustries

5,001-10,000Employees

Benefits

PTO & annual leave

Work from home flexibility

Parental leave

Medical insurance plans

Health & wellbeing discounts

Pension & retirement plans

Social events

Relocation support

Risks

Increased competition from banks integrating Swift services could challenge Wise's market share.

Regulatory scrutiny following Stenn's collapse may increase pressure on Wise.

Bitcoin's low transaction fees could attract customers away from Wise's services.

Differentiation

Wise offers a peer-to-peer system for low-cost international money transfers.

The company provides a multi-currency account for ex-pats, freelancers, and travelers.

Wise's transparent fee structure attracts customers seeking cost-effective money transfer solutions.

Upsides

Partnership with Morgan Stanley enhances Wise's cross-border settlement capabilities.

Expansion into India's remittance market presents significant growth opportunities for Wise.

API integrations offer additional revenue streams and market penetration for Wise.

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