Solutions by Text

Senior Compliance Operations Analyst – Payments

Solutions by Text

full-time

Posted on:

Location Type: Remote

Location: United States

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Job Level

Senior

About the role

  • Perform KYC/KYB onboarding reviews for individuals and entities, including identity verification, beneficial ownership, and control person validation.
  • Collect, analyze, and validate documentation and data.
  • Conduct sanctions, watchlist, PEP, and adverse media screening.
  • Review application packages, corporate docs, licenses, and expected activity, and reconcile inconsistencies.
  • Perform EDD for higher risk customers
  • Identify and document risk mitigants, conditions, and monitoring requirements.
  • Prepare concise case summaries, risk assessments, and recommendations for approvals/declines.
  • Triage, investigate, and disposition alerts with clear, evidence-based narratives; escalate cases per playbook and risk thresholds-based narratives.
  • Prepare SAR writeups and supporting documentation.
  • Resolve sanctions screening hits (OFAC, UN, EU, HMT) and PEP/adverse media alerts; apply positive reduction techniques.
  • Prepare sponsor bank Investigation Reports and supporting evidence packages within required timelines.
  • Coordinate sanctions controls (geo/IP screening, blocks/holds/freezes) and OFAC reporting workflows.
  • Conduct periodic KYC refresh (CDD/EDD), merchant risk reviews, and trigger-based reviews (e.g., sponsor bank inquiries, chargeback spikes).
  • Monitor card-brand compliance thresholds and coordinate with Payments & Subra Compliance leadership on remediation.
  • Maintain thorough case audit trails within the case management system.
  • Escalate findings to Compliance leadership per procedures
  • Meet SLAs, quality standards, and regulatory timelines.
  • Support internal/external audits, sponsor bank exams, and regulatory reviews.
  • Identify operational gaps and propose improvements to workflows and controls.
  • Maintain internal policy updates, typologies, and regulatory guidance relevant to AML/KYC and other payments and messaging compliance operations.

Requirements

  • Experience in banking, fintech or payments operations
  • Familiarity with key AML regulations and frameworks (eg., BSA/AML, USA PATRIOT Act, FinCEN SAR requirements, OFAC screening principles, and beneficial ownership rules.
  • Exposure to transaction monitoring workflows, alert handling, and/or SAR referral processes.
  • Experience with screening and research tools (eg., World-Check, Dow Jones, Lexis-Nexis) and case systems.
Benefits
  • Adhere to the Company's Code of Conduct/Ethics.
  • Create and maintain effective working relationships with other Company
  • Contribute to the professional culture within the office and the company
  • Project a professional and appropriate Company image in all dealings with clients, vendors, business partners and visitors.
  • Ensure security of information in all matters pertaining to company, client, and consumer information.
  • Contribute to the professional culture within the office and the company
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
KYCKYBEDDAMLtransaction monitoringrisk assessmentsanctions screeningcase managementdocumentation analysisevidence-based narratives
Soft Skills
analytical skillsattention to detailcommunicationproblem-solvingorganizational skillstime managementcollaborationcritical thinkingreport writingescalation