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 communicator in cross-team environments
Punctual, independent, proactive, and willing to take full responsibility in various situations
Handles 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

Investigate and monitor high-risk customers according to regulations, risk appetite, and Wise’s policies
Review and monitor high-risk customer verification cases, performing due diligence using various data sources (websites, financial records, etc.) and applying a risk-based approach (RBA) to maintain quality and speed
Take decisive, risk-based case decisions with a clearly documented and auditable record, adhering to customer due diligence policies and applicable regulations
Handle escalated or complicated cases by communicating with customers with strong empathy while clearly explaining policies; represent policies and auditable work to regulators and auditors as needed
Analyze, re-evaluate, build, and document risk factors and risk mitigation methods for Wise's high-risk customers, escalating suspicions to the AML and Fraud teams
Work with team and Compliance to evolve policies and due diligence processes, continuously improving knowledge and risk management
Mentor and share expertise with peers

Skills

FinCrime

AML

Customer Due Diligence

Risk-Based Approach

Regulatory Compliance

Financial Crime Risk Management

Due Diligence

Case Investigation

Policy Documentation

Customer Communication

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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