Financial Crimes Analyst

📋 Description

• • Wayflyer is seeking a dedicated and proactive Financial Crimes Analyst to join our growing team in Charlotte, North Carolina. This pivotal role is instrumental in safeguarding Wayflyer's operations and reputation by identifying, assessing, and mitigating financial crime risks. As a Financial Crimes Analyst, you will be at the forefront of our compliance efforts, working closely with internal systems, open-source intelligence, and regulatory frameworks to ensure adherence to anti-money laundering (AML), sanctions, and anti-bribery & corruption (ABC) standards across multiple jurisdictions.
• • Your primary responsibility will involve conducting thorough investigations into Wayflyer customers. This will require a keen eye for detail and the ability to leverage both internal proprietary systems and external open-source intelligence (OSINT) tools to uncover potential financial crime risks. You will meticulously analyze customer data and transaction patterns to identify any red flags or suspicious activities that could indicate money laundering, terrorist financing, or other illicit financial behaviors.
• • A core component of your role will be performing Customer Due Diligence (CDD) and Know Your Customer (KYC) procedures. This includes verifying customer identities, assessing their risk profiles, and continuously monitoring their activities for any deviations from expected behavior. You will be responsible for reviewing transactions to spot and assess suspicious activities, documenting your findings, and escalating them as necessary.
• • You will play a crucial supporting role for the Money Laundering Reporting Officer (MLRO). This involves actively participating in the ongoing design, implementation, and oversight of Wayflyer's robust AML framework. Your insights and contributions will help ensure our framework remains effective, up-to-date with evolving regulations, and tailored to the specific risks faced by our fintech business.
• • This position requires you to act as a subject matter expert and a go-to resource for advice on AML, Sanctions, and Anti-Bribery & Corruption (ABC) topics. You will collaborate with various internal teams, including Sales, Legal, and Operations, to provide guidance and ensure a consistent understanding and application of compliance policies and procedures.
• • Accurate record-keeping is paramount. You will be responsible for maintaining detailed and organized records of all investigations, due diligence activities, and compliance-related actions. This includes preparing and submitting required regulatory filings, such as Suspicious Activity Reports (SARs), in a timely and accurate manner.
• • Beyond reactive investigations, you will be expected to proactively identify areas for improvement within our existing processes. This involves critically reviewing current procedures to pinpoint gaps, inefficiencies, and opportunities to implement smarter, more effective risk-mitigation controls. Your initiative in suggesting and implementing enhancements will be highly valued.
• • You will also contribute to the drafting and updating of customer contracts, working collaboratively with the Sales and Legal departments. This includes advising on any special terms or conditions that may have compliance implications, ensuring that our contractual agreements reflect our commitment to financial crime prevention.
• • This role offers a unique opportunity to contribute to a fast-growing fintech company, working in a dynamic environment where your analytical skills and compliance expertise will directly impact the company's security and growth. You will be part of a globally distributed, cross-functional team dedicated to empowering businesses through innovative financing solutions. Your work will directly support Wayflyer's mission to provide capital access to businesses worldwide, ensuring that our growth is achieved responsibly and ethically.