Enhanced Due Dilligence Analyst

Hello! We're Teya.

Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance.

At Teya we believe small, local businesses are the lifeblood of our communities.

We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street.

We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters.

We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us.

Become a part of our story.

We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.

Your Mission

As an Enhanced Due Diligence (EDD) Analyst, you will play a critical role in delivering a best-in-class onboarding experience for our members while protecting Teya from financial crime risk.

You will be responsible for assessing, investigating, and mitigating high-risk customer, merchant, and corporate relationships. Working in a fast-paced environment, you will go beyond standard KYC/KYB checks to analyse complex ownership structures, source of wealth, and adverse media.

You will act as an escalation point for more junior team members, support quality standards across onboarding, and contribute to strengthening our financial crime controls as we scale across Europe.

Responsibilities

High-risk investigations

• Conduct in-depth, risk-based Enhanced Due Diligence (EDD) reviews on high-risk customers, including Politically Exposed Persons (PEPs)

• Assess merchant applications at onboarding stage, identifying fraud and financial crime risks while meeting SLAs

Corporate structure analysis

• Analyse and verify complex, multi-jurisdictional ownership structures and identify Ultimate Beneficial Owners (UBOs)

• Act as a subject matter expert for complex cases and escalations within the onboarding team

Screening and monitoring

• Perform sanctions, PEP, and adverse media screening

• Review alerts, assess potential matches, and determine true positives vs false positives

• Escalate suspicious findings to the Money Laundering Reporting Officer (MLRO)

Quality control

• Review KYC/KYB files produced by junior analysts to ensure compliance with FCA and relevant regulatory standards

• Validate documentation authenticity and ensure risk-based decision making is consistently applied

Process improvement

• Identify bottlenecks and contribute to improving KYC/AML workflows and controls

• Analyse trends in data and propose enhancements to risk frameworks and onboarding processes

• Work with a range of digital verification and screening tools

Time management and delivery

• Manage workload effectively in a fast-paced environment, delivering high-quality outputs within SLA and KPI expectations

• Demonstrate strong organisation, prioritisation, and attention to detail

Experience and Requirements

• 3–4+ years’ experience in onboarding, KYC/KYB, or EDD roles within payments, fintech, or business banking

• Experience handling complex cases beyond remediation-only work

• Strong understanding of AML regulations across the UK and EU

• Experience analysing complex corporate ownership structures

• Knowledge of card acquiring or business banking environments

• Ability to make risk-based decisions supported by clear rationale

Skills

• Strong analytical and data interpretation skills, with the ability to make data-driven decisions

• Excellent written and verbal communication skills, with confidence engaging stakeholders

• High attention to detail and strong organisational skills

• Ability to work independently while collaborating effectively within a team

• Adaptability and resilience in a fast-paced, evolving environment

• Comfortable acting as an escalation point and supporting junior team members

The Perks

• Physical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness, and nutrition apps

• Our company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support

• Cycle-to-Work Scheme

• Health and Life Insurance

• Pension Scheme

• 25 days of Annual Leave (+ Bank Holidays)

• Office snacks every day

• Friendly, comfortable, and informal office environment in Central London

Teya is proud to be an equal opportunity employer.

We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all.

If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.