Hybrid Analyst – KYB Operations

at Nium

• Job title: Analyst – KYB Operations
• Job type: Full Time
• Experience level: Senior
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Mumbai, India

About the role

• Analyst/Senior Analyst role in Know Your Business Operations at Nium ensuring compliance and risk mitigation. Verifying customer identities and business entities, conducting due diligence checks.

Responsibilities

• Review and verify business registration documents, ownership structure, UBO details, and relevant licenses, while conducting KYB and enhanced due-diligence checks based on risk profiles, and ensuring customer profiles are accurately assessed with appropriate risk ratings and timely resolution of all name-screening alerts during onboarding.
• Assist in to improve and streamline end to end compliance operational processes through automation and technology. Use technology and machine learning to build capabilities to scale.
• Ensure all Client Due Diligence requests and activities, including review of clients’ profile, risk rating, name screening, verification of documentations during the clients' lifecycle are resolved within agreed timeframes, and any issues or bottlenecks that arise are escalated in a timely manner.
• Perform periodic, trigger, and ad hoc AML reviews on clients' profile, and ensure that adverse news hits and increased risk factors have been appropriately identified and escalated in accordance to company’s procedures and regulatory requirements.
• Conduct country specific risk assessment highlighting control gaps, and working with stakeholders to ensure remediation is completed timely.
• Lead the roll out and ongoing management of the Compliance Training Framework.
• Participating in Compliance or business-driven projects, including regulatory developments and strategic initiatives.
• Conduct detailed onboarding and due-diligence reviews for financial institutions, including banks, money service businesses, EMI/PSPs, brokerages, and payment facilitators.
• Assess (Financial institute) FI regulatory status, license scope, shareholding structure, risk exposure, and operational jurisdictions.
• Review AML policies, sanctions controls, governance frameworks, and risk-mitigation measures implemented by the (Financial institute) FI.

Requirements

• At least 6-8 years’ experience within regulated companies, in compliance role(s) with robust knowledge on Compliance topics (KYB / KYC, AML/CFT, Sanctions etc.)
• Good understanding of the Payments/Fintech industry.
• Knowledge and experience (preferably within Payments/Fintech)
• ACAMS/ICA certified (preferably)
• Strong analytical skills with experience in problem solving and being able to implement and deliver solutions.
• Demonstrate clear sense of accountability in performing the role and a positive demeanor.
• Ability to identify inefficiencies, see the bigger picture, challenge the current status quo and define scalable and sustainable processes and methodology.
• Able to prioritize quickly and meet deadlines even under pressure.
• Strong stakeholder management and communication skills.
• Team player with strong collaborative qualities, including some previous experience (or willingness) to build, lead and motivate a team.
• Willingness to learn continuously and keep up to date with the Payments industry and its regulatory landscape (Globally).
• Fluent English
• Flexibility to work outside normal office hours and in rotational shifts to support operational requirements.

Benefits

• We Value Performance: Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized for their hard work.
• We Care for Our Employees: The wellness of Nium’ers is our #1 priority. We offer medical coverage along with 24/7 employee assistance program, generous vacation programs including our year-end shut down. We also provide a flexible working hybrid working environment (3 days per week in the office).
• We Upskill Ourselves: We are curious, and always want to learn more with a focus on upskilling ourselves. We provide role-specific training, internal workshops, and a learning stipend.
• We Celebrate Together: We recognize that work is also about creating great relationships with each other. We celebrate together with company-wide social events, team bonding activities, happy hours, team offsites, and much more!
• We Thrive with Diversity: Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal opportunity employer, we are committed to providing a safe and welcoming environment for everyone.