Senior Analyst, Periodic Review, KYC Ops
Status
Washington, USA
Full time
Remote
Compensation is not specified
Role
Business Analyst
Description
Circle, a financial technology company pioneering the internet of money, enables value to flow globally and digitally at significantly reduced costs. This innovative platform unlocks new opportunities for payments, commerce, and markets, advancing global economic well-being and fostering inclusivity. With a focus on operational transparency and robust expansion across substantial markets, our organization values speed, efficacy, and upholds core principles of embracing multiple stakeholders, mindfulness, pursuing excellence, and upholding high integrity. As we evolve in a remote work environment, collaboration and innovation drive our collective success in a flexible and diverse workplace culture.
Responsibilities:
Joining the Compliance Operations team at Circle, the Senior Analyst, Periodic Review will undertake comprehensive reviews within the KYC Team, encompassing the entire KYC periodic review workflow. This role entails collecting, documenting, diligencing, scrutinizing, and escalating customer profiles for improved due diligence processes.
Key Tasks:
- Reviewing high-risk client relationships to ensure thorough and accurate customer due diligence and compliance with enhanced due diligence requirements.
- Analyzing customer profile adjustments for significant risk factors and red flags during periodic reviews.
- Updating internal records to enhance customer KYC files.
- Validating the alignment of customers' nature of business with their established profiles.
- Drafting executive-level risk memos for customers displaying red flags or heightened risk attributes, summarizing findings and outlining next steps.
- Collaborating with Customer Service and Relationship Managers to obtain required documentation for KYC due diligence.
- Facilitating knowledge-sharing with regional team leads for effective compliance measures.
- Monitoring industry trends related to potential money laundering or fraud schemes, including identifying and reporting suspicious activities.
- Performing general administrative and supporting functions as needed to meet business obligations.
Desired Qualifications:
- Enthusiasm for exploiting the potential of digital currency and blockchain technology with a sound grasp of blockchain workings.
- Innovative thinking to propose novel problem-solving solutions.
- History of successful collaborative work with different stakeholders and internal teams, with a preference for direct communication.
- Adaptability to a dynamic industry landscape and agility in responding to changing requirements through continuous learning.
- Bachelor's degree, ideally in a quantitative or technical field.
- 4+ years of relevant experience in AML and KYC reviews for corporates, including 2 years in crypto and ongoing monitoring of high-risk clients.
- Detail-oriented approach, strong analytical skills, and a comfort level with data analysis.
- Effective communication skills to liaise with internal and external teams.
- A plus: CAMS, CFCS, or CFE certification.
- Ability to work efficiently in a fully remote setup across multiple time zones, interacting with teams in the US, Europe, and APAC.
- Familiarity with Slack, Apple MacOS, and GSuite.
Additional Details:
- PERM sponsorship available for qualified candidates from the outset.
- Compensation based on experience, skill set, qualifications, and organizational requirements.
- Base Pay Range: $90,000 - $120,000, plus equity and a range of benefits including medical, dental, vision, 401(k), generous vacation policy, paid sick leave, and holidays.
- Embrace diversity at Circle as an equal opportunity employer, valuing differences to create an inclusive environment that fosters transparency and fairness in all aspects of operations.
Skills Required
Circle
Website
www.circle.comCompany size
Not specified
Location
United States
Description
We believe in a future where digital dollars work securely around the world to create a more prosperous global economy for everyone.
Status
Wallet
AML Investigations Team Lead
Full time
Remote
Wallet in Telegram is your gateway to the world of digital currencies, specially tailored for individuals in emerging markets. We understand the complexities and intimidation often associated with existing crypto solutions, which is why we've designed the Wallet to be the ultimate user-friendly platform for managing finances. No need to open a traditional bank account or wrestle with convoluted crypto exchanges and wallets.
Leveraging the power of advanced blockchain technology, Wallet delivers a seamless onboarding experience into the crypto ecosystem. It enables users to effortlessly store, send, and receive digital currencies, all via the familiar interface of Telegram. Managing your finances becomes as simple as sending a message.
At Wallet, we're committed to using technology to disrupt traditional banking systems, providing our customers with more flexible and inclusive financial services. Whether you're a crypto novice or seeking to simplify your digital finance experience, Wallet is crafted with your needs in mind.
We are seeking experienced and motivated AML Investigations Team Lead to join our Investigations team.
Responsibilities:
Lead a team of Investagation specialists who conduct case investigations (includes analyzing transaction information, researching customer data, examining open source and media checks and deciding whether assets should be frozen, etc.).
Engage with key stakeholders and work cooperatively to present, create, develop and/or implement suggestions and recommendations regarding best practices, continuous improvement, policies and procedures.
Reporting and close collaboration with MLRO.
Use information from regulatory changes, new regulations, and internal policy changes to further identify new key risk areas and work together with other teams within the Compliance (i.e. KYC team) to set the necessary controls in place.
Evaluate performance with key metrics, track the Investigation team progress and success, and be able to present results to senior leadership.
Define and clearly communicate objectives and goals for the Investigation team.
Train the Investigation team, identify actions and ensure the skills and knowledge are developed effectively.
Serve as a primary point of contact and lead discussions with various internal and external stakeholders on the Investigation team side.
Requirements:
3+ years of relevant experience in Investigation/AML/Compliance.
2+ years team lead/managerial/supervisory experience of a team up to 20 employees.
Knowledge and experience with working with Chainalysis, Eliptic or other top-5 crypto KYT providers.
Strong knowledge of AML/CFT laws and regulations.
Exceptional analytical, critical thinking and problem-solving skills.
Ability to manage processes efficiently, with accuracy and attention to detail.
Strong decision-making capabilities and adoption of a solution-based approach in all aspects of work.
Passionate and driven about building a motivated team and mentoring and encouraging the team to continuously develop and grow.
Crypto or payments or fintech experience is a plus.
English language at least B2. Good verbal and written skills in Russian will be a plus.
Excellent overall communication skills.
Willing to travel where required to meet the Investigation team and the MLRO in person.
We seek candidates who can work on 5/2 schedule.
Why it is a fantastic opportunity:
Our business is growing at an exponential scale.
Work in a well-funded startup environment with unique growth opportunities and a chance to join a rapidly growing company with a unique product.
Be based remotely.
Participation in the performance review and bonus programme.
Compensation for medical expenses.
Provision of necessary equipment.
Annual vacation of 20 working days plus 10 paid days off.
14 days of paid sick leave to support your health and recovery when needed.
Access to internal English courses for continuous learning and improvement in language skills.
Wallet is an equal opportunity employer.
Leveraging the power of advanced blockchain technology, Wallet delivers a seamless onboarding experience into the crypto ecosystem. It enables users to effortlessly store, send, and receive digital currencies, all via the familiar interface of Telegram. Managing your finances becomes as simple as sending a message.
At Wallet, we're committed to using technology to disrupt traditional banking systems, providing our customers with more flexible and inclusive financial services. Whether you're a crypto novice or seeking to simplify your digital finance experience, Wallet is crafted with your needs in mind.
We are seeking experienced and motivated AML Investigations Team Lead to join our Investigations team.
Responsibilities:
Lead a team of Investagation specialists who conduct case investigations (includes analyzing transaction information, researching customer data, examining open source and media checks and deciding whether assets should be frozen, etc.).
Engage with key stakeholders and work cooperatively to present, create, develop and/or implement suggestions and recommendations regarding best practices, continuous improvement, policies and procedures.
Reporting and close collaboration with MLRO.
Use information from regulatory changes, new regulations, and internal policy changes to further identify new key risk areas and work together with other teams within the Compliance (i.e. KYC team) to set the necessary controls in place.
Evaluate performance with key metrics, track the Investigation team progress and success, and be able to present results to senior leadership.
Define and clearly communicate objectives and goals for the Investigation team.
Train the Investigation team, identify actions and ensure the skills and knowledge are developed effectively.
Serve as a primary point of contact and lead discussions with various internal and external stakeholders on the Investigation team side.
Requirements:
3+ years of relevant experience in Investigation/AML/Compliance.
2+ years team lead/managerial/supervisory experience of a team up to 20 employees.
Knowledge and experience with working with Chainalysis, Eliptic or other top-5 crypto KYT providers.
Strong knowledge of AML/CFT laws and regulations.
Exceptional analytical, critical thinking and problem-solving skills.
Ability to manage processes efficiently, with accuracy and attention to detail.
Strong decision-making capabilities and adoption of a solution-based approach in all aspects of work.
Passionate and driven about building a motivated team and mentoring and encouraging the team to continuously develop and grow.
Crypto or payments or fintech experience is a plus.
English language at least B2. Good verbal and written skills in Russian will be a plus.
Excellent overall communication skills.
Willing to travel where required to meet the Investigation team and the MLRO in person.
We seek candidates who can work on 5/2 schedule.
Why it is a fantastic opportunity:
Our business is growing at an exponential scale.
Work in a well-funded startup environment with unique growth opportunities and a chance to join a rapidly growing company with a unique product.
Be based remotely.
Participation in the performance review and bonus programme.
Compensation for medical expenses.
Provision of necessary equipment.
Annual vacation of 20 working days plus 10 paid days off.
14 days of paid sick leave to support your health and recovery when needed.
Access to internal English courses for continuous learning and improvement in language skills.
Wallet is an equal opportunity employer.
Wallet
Investigation Analyst
Full time
Remote
Wallet in Telegram is your gateway to the world of digital currencies, specially tailored for individuals in emerging markets. We understand the complexities and intimidation often associated with existing crypto solutions, which is why we've designed the Wallet to be the ultimate user-friendly platform for managing finances. No need to open a traditional bank account or wrestle with convoluted crypto exchanges and wallets.
It is already actively used by millions of users worldwide, but we are not going to stop: we are scaling to new regions and adding new features. The product has found its product/market fit, is rapidly growing its audience and revenue.
Rapid growth inevitably leads to inefficiencies in the work of the analytics team. We don't always answer well questions about what is happening with the product, because when all metrics are growing from all sides, the team doesn't understand what to grasp or may miss something small that negatively affects the product in the long run. If you've had experience working in a fast-growing product, you're well aware of this phenomenon.
We are seeking a detail-oriented and motivated individual to join our Investigation Team. The successful candidate will be responsible for investigating suspicious activities, ensuring regulatory compliance, and implementing measures to prevent fraudulent transactions within our company wallet system.
Responsibilities:
Conduct comprehensive investigations of flagged users to assess their legitimacy; collect and scrutinize data to identify patterns and potential risks.
Determine the root causes of suspicious activities and develop strategies to address and mitigate underlying issues to prevent recurrence of similar activities.
Prepare detailed reports on investigative findings for internal stakeholders and, when necessary, external regulatory bodies.
Provide comprehensive support during internal and external audits and ensure all investigative activities adhere to relevant regulatory requirements and internal policies.
Develop and implement training programs aimed at educating staff on how to identify and escalate suspicious activities.
Requirements:
Bachelor’s degree
2 years of previous experience in transaction monitoring, fraud investigation, compliance, or a related role.
Strong analytical and problem-solving abilities.
Excellent attention to detail and the ability to work under pressure.
Strong communication and interpersonal skills.
Ability to maintain confidentiality and handle sensitive information with discretion
Familiarity with cryptocurrency transactions and blockchain technology is advantageous but not mandatory.
Proficiency in English (at least level B2) is required. Knowledge of Russian is preferred.
Why it is a fantastic opportunity:
Our business is growing at an exponential scale.
Work in a well-funded startup environment with unique growth opportunities and a chance to join a rapidly growing company with a unique product.
Be based remotely.
Participation in the performance review and bonus programme.
Compensation for medical expenses.
Provision of necessary equipment.
Annual vacation of 20 working days plus 10 paid days off.
14 days of paid sick leave to support your health and recovery when needed.
Access to internal English courses for continuous learning and improvement in language skills.
Wallet is an equal opportunity employer.
It is already actively used by millions of users worldwide, but we are not going to stop: we are scaling to new regions and adding new features. The product has found its product/market fit, is rapidly growing its audience and revenue.
Rapid growth inevitably leads to inefficiencies in the work of the analytics team. We don't always answer well questions about what is happening with the product, because when all metrics are growing from all sides, the team doesn't understand what to grasp or may miss something small that negatively affects the product in the long run. If you've had experience working in a fast-growing product, you're well aware of this phenomenon.
We are seeking a detail-oriented and motivated individual to join our Investigation Team. The successful candidate will be responsible for investigating suspicious activities, ensuring regulatory compliance, and implementing measures to prevent fraudulent transactions within our company wallet system.
Responsibilities:
Conduct comprehensive investigations of flagged users to assess their legitimacy; collect and scrutinize data to identify patterns and potential risks.
Determine the root causes of suspicious activities and develop strategies to address and mitigate underlying issues to prevent recurrence of similar activities.
Prepare detailed reports on investigative findings for internal stakeholders and, when necessary, external regulatory bodies.
Provide comprehensive support during internal and external audits and ensure all investigative activities adhere to relevant regulatory requirements and internal policies.
Develop and implement training programs aimed at educating staff on how to identify and escalate suspicious activities.
Requirements:
Bachelor’s degree
2 years of previous experience in transaction monitoring, fraud investigation, compliance, or a related role.
Strong analytical and problem-solving abilities.
Excellent attention to detail and the ability to work under pressure.
Strong communication and interpersonal skills.
Ability to maintain confidentiality and handle sensitive information with discretion
Familiarity with cryptocurrency transactions and blockchain technology is advantageous but not mandatory.
Proficiency in English (at least level B2) is required. Knowledge of Russian is preferred.
Why it is a fantastic opportunity:
Our business is growing at an exponential scale.
Work in a well-funded startup environment with unique growth opportunities and a chance to join a rapidly growing company with a unique product.
Be based remotely.
Participation in the performance review and bonus programme.
Compensation for medical expenses.
Provision of necessary equipment.
Annual vacation of 20 working days plus 10 paid days off.
14 days of paid sick leave to support your health and recovery when needed.
Access to internal English courses for continuous learning and improvement in language skills.
Wallet is an equal opportunity employer.
Binance
Binance Accelerator Program - Compliance
Asia
Asia
Full time
Remote
Binance is seeking individuals eager to contribute to the global blockchain industry's growth by joining the company behind the world's largest digital asset exchange. The role involves supporting Binance's mission of fostering cryptocurrency adoption and enhancing financial empowerment.
About Binance Accelerator Program:
Binance's Accelerator Program is a structured initiative offering Early Career Talent a unique opportunity to delve into the expanding Web3 sector. Participants will gain firsthand insights into Binance's operations and the workings of the leading blockchain ecosystem. The program emphasizes professional networking, skill development, and career advancement for upcoming talents.
Who may apply:
The program welcomes current undergraduate/graduate students and recent graduates.
Responsibilities:
Supporting the compliance team with various tasks concerning sanctions and CTF.
Researching policies, sanctions, CTF laws, and regulatory frameworks to bolster compliance efforts.
Assisting in crafting internal reports, including data compiling, summarizing, and proofreading.
Engaging in training sessions addressing Compliance and related subjects.
Requirements:
Areas of study including Law, Economics, Social Science, or Business Administration.
Preferably acquainted with financial crime compliance or law.
Essential fluency in English for interaction with international partners; additional languages are a plus.
Proficient in comprehensive reading and grasping intricate subjects.
Detail-oriented and data-focused.
Ability to work autonomously and bridge diverse functional and regional boundaries.
Demonstrated learning agility, critical thinking, and innovation.
Passion for the cryptocurrency domain.
Confidence, results-driven mindset, and a knack for innovative problem-solving are valued attributes.
About Binance Accelerator Program:
Binance's Accelerator Program is a structured initiative offering Early Career Talent a unique opportunity to delve into the expanding Web3 sector. Participants will gain firsthand insights into Binance's operations and the workings of the leading blockchain ecosystem. The program emphasizes professional networking, skill development, and career advancement for upcoming talents.
Who may apply:
The program welcomes current undergraduate/graduate students and recent graduates.
Responsibilities:
Supporting the compliance team with various tasks concerning sanctions and CTF.
Researching policies, sanctions, CTF laws, and regulatory frameworks to bolster compliance efforts.
Assisting in crafting internal reports, including data compiling, summarizing, and proofreading.
Engaging in training sessions addressing Compliance and related subjects.
Requirements:
Areas of study including Law, Economics, Social Science, or Business Administration.
Preferably acquainted with financial crime compliance or law.
Essential fluency in English for interaction with international partners; additional languages are a plus.
Proficient in comprehensive reading and grasping intricate subjects.
Detail-oriented and data-focused.
Ability to work autonomously and bridge diverse functional and regional boundaries.
Demonstrated learning agility, critical thinking, and innovation.
Passion for the cryptocurrency domain.
Confidence, results-driven mindset, and a knack for innovative problem-solving are valued attributes.
Ledger
Internship - Corporate Legal Counsel
Paris, France
Paris, France
Full time
Office
+4
Reflect on our vision of making digital assets widely accessible and secure for individuals worldwide by becoming part of our dedicated team.
Founded in 2014, Ledger serves as a global hub for digital assets and Web3. More than 20% of the world's crypto assets find security in our Ledger Nanos. With a workforce of over 700 professionals spread across offices in Paris, Vierzon, UK, US, Switzerland, and Singapore, Ledger is actively developing a range of products and services to empower individuals and businesses in securely purchasing, storing, exchanging, growing, and overseeing crypto assets. This includes the popular Ledger hardware wallets, which have already reached 7 million units sold across 200 countries.
Imbibing core values of Pragmatism, Audacity, Commitment, Trust, and Transparency, we foster a unique company culture. Gain insights from our employees on how they contribute to our work.
Your Responsibilities:
Support various corporate endeavors such as facilitating shareholder meetings, establishing new subsidiaries, executing share capital expansion, modifying bylaws, issuing and managing ESOP instruments, and more.
Provide assistance for potential transactions like fundraising, M&A, and financing activities.
Aid in enhancing and implementing Ledger's Compliance Policy, focusing on anti-corruption measures, sanctions, and more.
Contribute to the oversight of group insurance policies.
Collaborate in the review and creation of G&A contracts, on-boarding of third parties, legal procedures, and other administrative duties.
Conduct legal research tasks with precision.
Be prepared to extend support to the broader legal team as needed beyond Corporate and Compliance Legal matters.
Qualifications:
Pursuing or holding a Master's degree in Corporate Law, DJCE, or a similar qualification; CRFPA accreditation is a bonus.
Demonstrated significant internship experience in Corporate law.
Proficient in French and English with outstanding written and verbal communication, drafting abilities, and presentation skills to engage with international teams and operate in both languages.
Possess a pragmatic approach and efficiently handle ambiguity.
Proactive, self-driven, resilient, and skilled in prioritizing tasks effectively.
Capability to build and uphold strong, trustworthy professional relationships.
Detail-oriented with excellent analytical skills to simplify complex issues.
Flexible, approachable, and adaptable to embracing change in a dynamic and rapidly evolving industry.
Familiarity with blockchain technology and Web3 or a strong willingness to learn about this domain.
Preferred Commencement Date: July 1st (or earlier if feasible)
Founded in 2014, Ledger serves as a global hub for digital assets and Web3. More than 20% of the world's crypto assets find security in our Ledger Nanos. With a workforce of over 700 professionals spread across offices in Paris, Vierzon, UK, US, Switzerland, and Singapore, Ledger is actively developing a range of products and services to empower individuals and businesses in securely purchasing, storing, exchanging, growing, and overseeing crypto assets. This includes the popular Ledger hardware wallets, which have already reached 7 million units sold across 200 countries.
Imbibing core values of Pragmatism, Audacity, Commitment, Trust, and Transparency, we foster a unique company culture. Gain insights from our employees on how they contribute to our work.
Your Responsibilities:
Support various corporate endeavors such as facilitating shareholder meetings, establishing new subsidiaries, executing share capital expansion, modifying bylaws, issuing and managing ESOP instruments, and more.
Provide assistance for potential transactions like fundraising, M&A, and financing activities.
Aid in enhancing and implementing Ledger's Compliance Policy, focusing on anti-corruption measures, sanctions, and more.
Contribute to the oversight of group insurance policies.
Collaborate in the review and creation of G&A contracts, on-boarding of third parties, legal procedures, and other administrative duties.
Conduct legal research tasks with precision.
Be prepared to extend support to the broader legal team as needed beyond Corporate and Compliance Legal matters.
Qualifications:
Pursuing or holding a Master's degree in Corporate Law, DJCE, or a similar qualification; CRFPA accreditation is a bonus.
Demonstrated significant internship experience in Corporate law.
Proficient in French and English with outstanding written and verbal communication, drafting abilities, and presentation skills to engage with international teams and operate in both languages.
Possess a pragmatic approach and efficiently handle ambiguity.
Proactive, self-driven, resilient, and skilled in prioritizing tasks effectively.
Capability to build and uphold strong, trustworthy professional relationships.
Detail-oriented with excellent analytical skills to simplify complex issues.
Flexible, approachable, and adaptable to embracing change in a dynamic and rapidly evolving industry.
Familiarity with blockchain technology and Web3 or a strong willingness to learn about this domain.
Preferred Commencement Date: July 1st (or earlier if feasible)
Binance
Commercial Counsel - MENA
Dubai, UAE
Dubai, UAE
Full time
Remote
Binance is a prominent global blockchain ecosystem known for operating the largest cryptocurrency exchange by trading volume and user base. Trusted by millions across various countries, we excel in security, transparency, speed, liquidity, and diverse digital asset products. Our offerings span trading, finance, education, research, payment solutions, institutional services, Web3 functionalities, and more. Through blockchain technology, we aim to create an inclusive financial system, promoting financial freedom and enhancing global financial access.
Responsibilities:
Assist in drafting, reviewing, and negotiating digital asset loan agreements with traditional financial institutions and digital asset organizations.
Handle complex commercial contracts within the digital asset sector, covering various areas from fiat transactions to marketing agreements.
Support daily commercial operations, including service agreements and customer/supply side documentation.
Collaborate with product, operations, administrative, and risk teams to drive business initiatives in MENA and worldwide.
Stay updated on the digital asset landscape developments in MENA and provide insights.
Mentor and train junior legal staff members.
Requirements:
Possess 3-6 years Post-Qualified Experience with a focus on loan/finance transactions from a top-tier law firm or reputable in-house entity.
Strong skills in drafting and analyzing commercial contracts.
Familiarity with legal frameworks in the MENA region, particularly UAE and Bahrain.
Why Binance:
Contribute to shaping the future with the leading blockchain ecosystem globally.
Engage with top-tier professionals in a user-centered global setting characterized by a flat structure.
Work on dynamic, distinctive projects autonomously within an innovative arena.
Fulfill your potential in a results-oriented environment that fosters career progression and continuous learning.
Competitive salary and comprehensive company benefits.
Remote work flexibility (subject to the team's operational requirements).
At Binance, we are dedicated to fostering diversity and believe it is integral to our prosperity. By applying for the position, you acknowledge familiarity and agreement with our Candidate Privacy Notice.
Responsibilities:
Assist in drafting, reviewing, and negotiating digital asset loan agreements with traditional financial institutions and digital asset organizations.
Handle complex commercial contracts within the digital asset sector, covering various areas from fiat transactions to marketing agreements.
Support daily commercial operations, including service agreements and customer/supply side documentation.
Collaborate with product, operations, administrative, and risk teams to drive business initiatives in MENA and worldwide.
Stay updated on the digital asset landscape developments in MENA and provide insights.
Mentor and train junior legal staff members.
Requirements:
Possess 3-6 years Post-Qualified Experience with a focus on loan/finance transactions from a top-tier law firm or reputable in-house entity.
Strong skills in drafting and analyzing commercial contracts.
Familiarity with legal frameworks in the MENA region, particularly UAE and Bahrain.
Why Binance:
Contribute to shaping the future with the leading blockchain ecosystem globally.
Engage with top-tier professionals in a user-centered global setting characterized by a flat structure.
Work on dynamic, distinctive projects autonomously within an innovative arena.
Fulfill your potential in a results-oriented environment that fosters career progression and continuous learning.
Competitive salary and comprehensive company benefits.
Remote work flexibility (subject to the team's operational requirements).
At Binance, we are dedicated to fostering diversity and believe it is integral to our prosperity. By applying for the position, you acknowledge familiarity and agreement with our Candidate Privacy Notice.