Senior KYC Operations Analyst (Senior Management Approval)

About the role

Wise is seeking a Senior KYC Operations Analyst to join its Tallinn Senior Management Approval (SMA) team. You will ensure compliance with regulatory requirements by conducting enhanced due diligence, analysing high‑risk customers and maintaining up‑to‑date KYC records.

Key responsibilities

• Review and assess high‑risk customer reports, providing analysis and approval according to Wise policies.
• Analyse customer transaction histories to identify risk‑indicating behaviour patterns.
• Conduct periodic reviews of customer accounts and update risk assessments.
• Perform deep‑dive investigations using internal documentation and external sources such as company registries and internet searches.
• Communicate with internal teams on escalated or complex cases and provide guidance to peers.
• Draft SAR narratives when unusual activity is detected and support internal/external audits.
• Lead and contribute to SMA process improvement projects, policy updates and training material creation.

Required profile

• Minimum 1 year experience in Enhanced Due Diligence (EDD), AML or a comparable financial‑crime compliance role.
• Strong understanding of AML/CFT regulations and the ability to document risk‑based decisions.
• Excellent verbal and written English; additional languages are a plus.
• Flexible to work shift patterns, including evenings, weekends and public holidays.
• Proactive, detail‑oriented and able to work autonomously under strict KPIs.

What we offer

• Competitive salary of €2,400 – €2,850 gross per month.
• Potential stock options, reviewed at offer.
• Defined shift schedule with two weekend shifts and multiple evening shifts per month.
• Opportunity to develop expertise in a fast‑growing global fintech environment.