Lead KYC Analyst, Specialized Diligence
Circle is a financial technology company at the epicenter of the emerging internet of money, where value can finally travel like other digital data - globally, nearly instantly and less expensively than legacy settlement systems. This ground-breaking new internet layer opens up previously unimaginable possibilities for payments, commerce and markets that can help raise global economic prosperity and enhance inclusion. Our infrastructure - including USDC, a blockchain-based dollar - helps businesses, institutions and developers harness these breakthroughs and capitalize on this major turning point in the evolution of money and technology.
What you'll be part of:
Circle is committed to visibility and stability in everything we do. As we grow as an organization, we're expanding into some of the world's strongest jurisdictions. Speed and efficiency are motivators for our success and our employees live by our company values: Multistakeholder, Mindfulness, Driven by Excellence and High Integrity. Circlers are consistently evolving in a remote world where strength in numbers fuels team success. We have built a flexible and diverse work environment where new ideas are encouraged and everyone is a stakeholder.
What you'll be responsible for:
Circle is looking for a Lead Analyst, Know Your Customer (KYC) to join its Compliance Operations team and conduct complex reviews and projects in Circle's KYC team. The Lead Analyst is responsible for conducting specialized diligence reviews for customer onboarding, including enhanced due diligence, and on-going periodic reviews. You'll operate at the intersection of some of the most innovative products and customers and support Circle's efforts to ensure the safety of its platform through in-depth customer investigations and continuous monitoring of various threat vectors across the KYC landscape.
What you'll work on:
• Conducting detailed assessments of complex customers for risk of money laundering, financial crimes and terrorist financing through thorough review and enhanced due diligence, including review of negative news and nature of business
• On-going monitoring of customers, including counterparty compliance calls, assessing of transactional activity, collecting and testing samples of customer files
• Partnering with key internal stakeholders including business teams and other control functions to monitor client relationships on an ongoing basis and ensure compliance with regulatory expectations.
• Recommending appropriate risk-based business actions to be taken to onboard customer and/or on-going monitoring.
• Completing written report of findings, including comprehensive details, narratives and recommendations.
• Identifying risk appetite of customer and take appropriate decision of onboarding/rejecting the customer
• Recommending course of action to management based on an analysis of the findings
• Ensure the highest standards of documentation and quality in the execution of onboarding and periodic review processes
• Closely following regulatory, compliance, and enforcement developments in the cryptocurrency industry to ensure processes are kept up to date
You will aspire to our four core values:
• Multistakeholder - you have dedication and commitment to our customers, shareholders, employees and families and local communities.
• Mindful - you seek to be respectful, an active listener and to pay attention to detail.
• Driven by Excellence - you are driven by our mission and our passion for customer success which means you relentlessly pursue excellence, that you do not tolerate mediocrity and you work intensely to achieve your goals.
• High Integrity - you seek open and honest communication, and you hold yourself to very high moral and ethical standards. You reject manipulation, dishonesty and intolerance.
What you'll bring to Circle:
• B.A./B.S. degree; quantitative or technical degree a plus
• 7+ years of relevant experience in AML and KYC reviews for corporates, with 2 years in crypto, preferable in onboardings requiring specialized due diligence
• A passion for harnessing the power of digital currency and blockchain technology and services built on top of it. Deep understanding of blockchain technology
• First-class investigative capabilities and problem-solving skills, able to bring structure to ambiguous problems, generate hypotheses, coordinate research and analysis, fluently manipulate data, conduct analysis, and synthesize insight.
• A get things done mindset, able to think strategically and take initiative to move forward tactically, continually iterate and improve, while anticipating demands of leadership.
• Experience collaborating cross functionally and driving results while working with a wide variety of stakeholders.
• Proven experience working collaboratively and effectively with the ability to work with multiple stakeholders and internal teams. Appreciate direct communication.
• Experience and comfort working in an ever changing industry and the flexibility to quickly react to changing demands. Never tired of learning.
• Strong communication skills and presence, ability to interface with internal and external team
• CAMS, CFCS or CFE certification is a plus.
• Work effectively in a fully remote environment with teams spanning multiple time-zones (our team is across the US, Europe & APAC).
• You have experience/familiarity with Slack, Apple MacOS and GSuite.
We are an equal opportunity employer and value diversity at Circle. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Additionally, Circle participates in the E-Verify Program in certain locations, as required by law.
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