Surveillance Analyst

We’re looking for a Surveillance Analyst to join our Surveillance team in our Tallinn office!

Wise has already pioneered new ways for people to transfer money across borders and currencies. Our customers can also manage their hard-earned money with the world’s first platform to offer true multi-currency banking. Your mission is to investigate and monitor high risk customers according to regulations, risk appetite and Wise’s policies. 

The role as a Surveillance Analyst gives you the opportunity to:

• Review and monitor high risk and complex customer verification cases, having a deep and broad knowledge of Wise compliance framework and the regulatory environment
• Perform due diligence on customers and businesses through a variety of data sources including websites, financial statements, AML policies and external legal opinion; take a risk-based approach to work effectively and maintain speed, quality and consistency;
• Have a deep understanding of different business models, customer types, country risks and regulatory requirements across multiple geographies;
• Take risk-based case decisions with a clearly documented and auditable record, in the context of our customer due diligence policy, acceptable use policy and applicable regulations;
• Communicate with customers as required to handle escalated or complicated cases with strong customer empathy as well as clear communication of decisions and policies;
• Coach others on our regulatory obligations, how our policies fulfil them and our risk-based approach to deterring and preventing money laundering and financial crime;
• Work in the team and with compliance to evolve both our policies and our due diligence processes, continuously improving our knowledge, risk management and customer experience;
• Escalate any suspicions and/or concerns to the AML and Fraud teams for review;
• Work as Surveillance expert sharing knowledge across teams, delivering a great customer experience and contributing through side projects and ideas on process, policy or product improvements;
• Analyse, re-evaluate, build and document risk factors and risk mitigation methods for Wise high risk customers;
• Represent the policies, processes and auditable Surveillance work to regulators and auditors.

As the Surveillance Analyst you should have the following skills:

• Your verbal and written English skills are excellent;
• You can multitask and take responsibility in different situations;
• You can handle routine well and have a razor sharp attention to detail;
• You're punctual, independent, proactive and willing to get things done;
• You’re a good communicator and can work in cross-team environment;
• Finance/accounting background is a plus;
• You are legally authorised to work in Estonia/EEA. We are not able to support visas or relocation for this role. 

Hiring process:

• Application review
• HireVue video interview
• Take Home assignment
• Final interview with two team leads

Start date: Q1 2023 (As soon as possible)

What do we offer:

• Starting salary: 2000EUR gross / per month
• Company Restricted Stock Units
• Wellbeing support - You and your family have access to an Employee Assistance Program, where you’ll be able to speak to qualified counsellors for support on anything that matters to you
• 6 weeks of paid sabbatical after 4 years at Wise on top of annual leave
• National health insurance plan, with additional 3 health days per year, and sports allowance
• Volunteering day off
• Hybrid model of flexible working