AML/Compliance Analyst

About Gnosis Pay
Gnosis Pay provides the API and card-program infrastructure that enables wallets, fintechs, and businesses to issue stablecoin-powered payment cards and create custom payment flows. Partners can easily connect on-chain wallets to real-world spending.
With our technology, users can spend stablecoins directly from their on-chain wallet using a Visa debit card. Transactions are executed through a secure smart-wallet rather than a traditional bank account, allowing users to retain full custody of their assets while paying anywhere Visa is accepted.

About the role
We are looking for a proactive AML & Compliance Analyst with experience in KYC reviews and transaction monitoring to strengthen our Compliance function. You’ll play a key role in uplifting our current programs by analyzing customer cases, proposing improvements to our rule sets, and assisting in the development of scalable and efficient controls.

• Perform in-depth reviews of customer profiles during onboarding and periodic reviews

• Evaluate anomalies, investigate alerts and escalate cases relating to suspicious activity and high risk customers  when necessary, ensuring alignment with internal policies and regulatory expectations

• Review and assess current KYC rules, triggers, and processes, proposing enhancements to improve accuracy, scalability, and automation

• Support the development and maintenance of CDD and EDD procedures, templates, and risk rating models

• Maintain accurate records of onboarding decisions and investigation outcomes

Transaction Monitoring & Investigations:

• Assist in the optimization of our transaction monitoring program, including drafting and improving detection rules

• Support periodic customer and transaction monitoring activities, identifying and investigating unusual activity and assessing whether further escalation (SAR/STR) is required

• Work closely with Product and Engineering to test, validate, and deploy rule changes in monitoring systems

• Contribute to the periodic review and tuning of rules to mitigate potential fraud, reduce false positives and improve effectiveness

Product & Systems Support:

• Support configuration and optimisation of compliance tools (e.g. screening, transaction monitoring, case management systems)

• Participate in compliance related product testing and provide feedback to product and engineering teams 

• Contribute to the design of workflows that integrate compliance requirements with customer experience

Regulatory & Governance Support:

• Contribute to internal documentation, such as SOPs, risk assessments, and control frameworks

• Assist in compliance reporting obligations and preparation of materials for audits or regulatory inquiries

• 4+ years of relevant experience in AML, Compliance, or Financial Crime, preferably in fintech, crypto or e-money institutions

• Knowledge of KYC, CDD, and transaction monitoring standards

• Experience in drafting or improving compliance rule sets, risk scoring, or alert logic

• Familiarity with EU AML/CTF regulatory landscape, specially for EMIs, PSPs and crypto services

• Analytical, investigative and communication skills and attention to detail

• Comfortable working with cross-functional teams including Product, Risk, Engineering, and Legal

• Fluency in English

Nice to have:

• Experience with tools like Sumsub, ComplyAdvantage, Chainalysis, Elliptic, or equivalent

• Familiar with Web3 & DeFi: You understand the core concepts of decentralized finance & blockchains, and have had some experience

• CAMS, ICA or other relevant compliance certifications

• Personal Development: Pursue your professional goals with our support, including personal education budgets and conference allowances. We invest in your growth and learning.
• Innovation and Experimentation: Interested in exploring new ideas? Dedicate your Friday afternoons to research or work on a side project within our ecosystem. We encourage creativity and experimentation.
• Flat Hierarchy: Navigate with ease in our organization. Our flat hierarchy ensures your ideas and contributions are valued and heard, without getting lost in a complex structure.
• Flexible and Remote Work: Not a morning person? No problem! We embrace flexible working schedules and have a long-standing culture of remote work. Balance your professional and personal life in a way that works for you.
• State-of-the-Art Equipment: Receive the latest hardware and all the tools you need. We make sure you're well-equipped to do your best work.
• Growth and Opportunity: Grow with us in an exciting industry. As Gnosis rapidly expands, so do the opportunities for you to make a significant impact. We value initiative and a proactive approach.
• Community and Mission: Join a team that's passionate about our mission and enjoys working together. We’re not just colleagues; we’re a community driven by a shared goal.