FinCrime Operations Senior Analyst (PEP/AM Focus)

We're looking for FinCrime Operations Senior Analysts to join our PEP/AM Screening team in Tallinn, Estonia.

As a FinCrime Operations Senior Analyst, you will play a vital role in safeguarding Wise and its customers by identifying and mitigating financial crime risks. You will be responsible for conducting thorough alert and escalation reviews, investigations, analyzing customer activities, and ensuring compliance with regulatory requirements and internal policies. This role offers an excellent opportunity to develop your expertise in financial crime operations and contribute to maintaining the integrity of Wise's services.

Core Responsibilities

• Financial Crime Investigation: Conduct thorough reviews of customer and payment activity, applying a deep understanding of compliance frameworks, regulations, and emerging typologies to accurately identify and discount or escalate alerts.
• Risk-Based Due Diligence (RBA): Perform meticulous due diligence on high-risk customers and businesses using diverse data sources (public/internal records) to establish risk profiles and document findings clearly and audibly.
• Decision Making & Reporting: Take decisive, risk-based decisions on complex cases. Accurately document all findings, decision rationales, and steps taken, ensuring audit trails withstand internal and external scrutiny.
• Compliance & Escalation: Review transaction history to identify unusual patterns and escalate suspicious activity or critical control weaknesses to the Reporting, AML, or Fraud teams in a timely and precise manner.
• Process Improvement: Contribute to the continuous improvement of FinCrime operations by flagging systemic inefficiencies, suggesting actionable enhancements, and helping to identify new typologies.
• Performance & Communication: Consistently achieve individual and team targets (KPIs, SLAs) with a strong commitment to both quality and speed. Communicate clearly, professionally, and empathetically with customers to obtain necessary clarifications.

• Strong verbal and written communication skills in English, with the ability to produce clear, concise, accurate, and professional reports, summaries, and customer communications. Additional languages are a plus. 
• 1-2 years of experience in operations, compliance, or a related field, preferably with exposure to financial crime, KYC/AML, or fraud prevention. 
• Basic understanding of global financial crime regulations, best practices and applicable standards. 
• Ability to work independently and make decisions within well-defined procedures.
• Proven capacity to maintain a high level of quality and accuracy, with a strong commitment to precise process adherence and meeting established standards, even when managing routine tasks or high workloads. 
• Excellent documentation skills, with the ability to present complex information clearly, concisely, and accurately for both internal and external use, ensuring all decisions are thoroughly supported. 
• Strong organizational skills with the ability to multitask, prioritize effectively, and manage time efficiently in challenging situations. 
• Ability to follow established procedures consistently and efficiently, particularly in handling routine tasks. 
• Willingness to work flexible hours, including shifts, weekends, and public holidays as needed. 
• Proactive attitude with a willingness to learn and develop in the financial crime domain. 
• Ability to work autonomously, proactively identifying and addressing tasks independently by applying learned procedures and best practices. This role requires taking initiative and effectively resolving issues within established frameworks. 

Nice to have: 

• Education: Bachelor’s degree in Finance, Business Administration, Law, Analytics, Audit or other related field. 
• Certifications: ICA, CAMS, or equivalent certification (EDD/AML/fraud/screening/risk and control management/ focused) 
• Finance/accounting background is a plus. 
• Familiarity with Business Intelligence (BI) tools such as Looker.

About this Role

• Compensation: The monthly gross pay for this position is 2175 EUR
• Work Eligibility: This role is for candidates who are already authorized to work in Estonia. Unfortunately, we can't sponsor visas for this opportunity.
• Click here to see the benefits we offer!

If you’re ready to take on an exciting challenge and make a meaningful impact, we’d love to hear from you! Please submit your resume in English as soon as possible. 

Although we do not have the deadline for applications, we will start reviewing and interviewing candidates from day 1 so we would recommend applying rather sooner than later - otherwise, someone else might grab your dream job! ?

Hiring Process

1. Application Review: We’ll evaluate your experience and skills.
2. Homework: (5 calendar days to complete)
3. Final Interview: Meet with our team for an in-depth discussion.

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