Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.
Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.
As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.
More about our mission and what we offer.
Job DescriptionAs a Senior Analyst in KYC Operations in our newly established Deactivations Team, you will play a crucial role in strengthening Wise's commitment to regulatory compliance and protecting the integrity of our financial ecosystem. Your mission is to become the authority in enhanced due diligence (EDD) and to grasp the risks linked to Wise customers. You will thoroughly investigate complex KYC cases, equipped with the duty to guarantee that every decision is compliant, and accurate. This isn't just following a new process; it's about delivering justice and upholding our integrity when it matters the most. This role is a great opportunity for people who are interested in deepening their knowledge in the KYC domain.
As a KYC Operations Senior Analyst, you will play a key role in supporting a financial crime program that is driven by Wise's mission for money without borders, transparency, and protecting customers. We are looking for someone with experience in enhanced due diligence, an excitement and desire to learn and grow with this new team, and strong organisational and communication skills.
Responsibilities
- Conduct Enhanced Due Diligence (EDD) reviews based on customer’s risk profile. Take frequent risk based approach decisions while conducting customer reviews ensuring risk management standards are met.
- Review customer transaction history and provide insights into customer behaviour patterns that may indicate risks. Conduct periodic reviews and analyse changes in customers history and account usage.
- Review and assess high risk customer reports to provide analysis and approval as per the set policies and procedures.
- Exercise discretion in setting priorities, identifying customer records that require further review and taking action to obtain and follow-up on the information and/or documentation requested.
- Ensure that information and documentation provided by customers meet our risk appetite for onboarding and maintaining high risk customers.
- Conduct in depth analysis, using provided documentation or external sources (e.g. websites and company registries) ensuring that only customers within risk appetite are onboarded. Perform searches utilising internet sources and/or third-party vendors to obtain information on prospects and new/existing customers.
- Communicate with other internal teams when required to handle escalated or complicated cases.
- Provide guidance and responses to daily inquiries from peers, front-line and management regarding complex matters and case analysis, when appropriate.
- Maintain a high understanding of AML/CFT Regulations and how these impact the business, as well as Wise products and services.
- When warranted, be capable of drafting SAR narratives to report activity deemed unusual.
- Taking part in and leading projects related to Deactivations Team processes and guidelines. Assist in identifying improvement opportunities and contribute to policy updates, training materials, and standard operating procedures.
- Draft reports to internal and external stakeholders, periodically and when requested.
- Support Wise in internal and external audits and regulatory process related queries reviews.
- Effective communication with customers by the relevant communication channels that the team operates with.
- Perform your tasks and responsibilities within the expected key performance indicators set by the leadership team.
- Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts.
- A minimum of 3+ years of experience in Operations or financial services, (preferably in CDD/EDD/AML or compliance roles).
- Working knowledge of global KYC/AML compliance regulations and standards.
- 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.
- 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.
- Familiarity 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)
What we offer
- 🚀 RSUs in a rapidly growing company
- 💻 Flexible working model
- 💪 An annual self-development budget
- ☀️ Paid time off: 28 days vacation + 3 “Me” days + 1 volunteer day, annually
- 🏝️ A paid 6-week sabbatical leave after four years
Click here to learn more about the benefits that we offer at Wise.
Work authorization
Candidates must hold valid work authorization for Estonia. Please note that we are currently unable to provide visa sponsorship or relocation support for this position.
Hiring process
- Resume review
- Assessment (powered by Maki People)
- Screening call with the Recruitment team
- Final interview with the Deactivations 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 Wise.Jobs.
Keep up to date with life at Wise by following us on LinkedIn and Instagram.
Skills Required
- Excellent verbal and written English skills
- At least 3 years of experience in operations or financial services, preferably in CDD, EDD, AML, or compliance
- Working knowledge of global KYC and AML compliance regulations and standards
- Ability to make decisions using a risk-based approach
- Strong communication, interpersonal, organizational, attention-to-detail, and analytical skills
- Ability to work independently, proactively, and under strict KPIs in a fast-paced environment
- Ability to handle routine and stressful situations effectively
- Ability to work autonomously within defined procedures and practices
- Ability to identify policy and process gaps and provide detailed feedback
- Flexibility to work shifts, weekends, and public holidays
- Familiarity with legal and regulatory documents
- Bachelor's degree in Finance, Business Administration, Law, or a related field
- ICA, CAMS, or equivalent EDD/AML certification
- Additional language skills
- Valid work authorization for Estonia
Wise Compensation & Benefits Highlights
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Equity Value & Accessibility — Equity is broadly accessible through RSUs granted to all employees in addition to salary, aligning rewards with company performance. This company‑wide ownership stance is consistently highlighted in the benefits descriptions.
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Leave & Time Off Breadth — Paid time off is notably generous, with a global minimum of 33 days and 36 days listed for U.S. locations. After four years, a six‑week paid sabbatical plus a £1,000 stipend further strengthens time‑away benefits.
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Wellbeing & Lifestyle Benefits — Lifestyle support includes work‑from‑anywhere for up to 90 days per year after six months, flexible working principles, and a 24/7 Employee Assistance Program. Extras like three annual “Me Days” and a professional‑development allowance add quality‑of‑life value.
Wise Insights
What We Do
Wise is a global technology company, building the best way to move and manage the world's money. With Wise Account and Wise Business, people and businesses can hold 40 currencies, move money between countries and spend money abroad. Large companies and banks use Wise technology too; an entirely new network for the world's money. Launched in 2011, Wise is one of the world’s fastest growing, profitable tech companies. In fiscal year 2025, Wise supported around 15.6 million people and businesses, processing over $185 billion in cross-border transactions and saving customers around $2.6 billion.
Why Work With Us
We’re truly global in who we are, how we work, and how we build. Everything we do is centred around creating a world of money that’s fast, easy, fair. And open to all. Everyone who works here owns a piece of Wise, from the work they do, to the stock they hold.
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Wise Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
We expect new joiners in the office most days to build connections and learn from colleagues for their first six months. After that, most Wisers split their working week between the office and home, typically coming in at least 12 times a month.
