Compliance Analyst

About the role

The Compliance Analyst will support the compliance team by conducting transaction monitoring, KYB reviews, and responding to regulatory and banking queries. It offers the opportunity to gain broad experience in a scaling environment.

Key Responsibilities

• Transaction Monitoring & Financial Crime Investigations:

  • Conduct detailed reviews of transaction monitoring alerts to identify unusual or potentially suspicious activity.
  • Perform end-to-end investigations, analyzing transactional behavior, customer profiles, and risk indicators.
  • Make risk-based decisions on whether to clear, escalate, or hold transactions in accordance with internal policies and regulatory obligations.
  • Prepare clear investigation summaries and maintain comprehensive audit trails in monitoring systems.
  • Escalate complex cases to senior compliance leadership and support preparation of Suspicious Activity/Transaction Reports (SARs/STRs) where required.
  • Capture and validate KYC/KYB documentation and transaction evidence.
  • Ensure timely and accurate responses within agreed Service Level Agreements (SLAs) while maintaining high documentation standards.
  • Support regulatory reviews, audits, and information requests as needed.

• Corporate Onboarding (KYB) & Due Diligence:

  • Conduct risk-based reviews of corporate onboarding documentation in line with AML/CTF policies and regulatory expectations.
  • Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) where applicable.
  • Analyze corporate structures, beneficial ownership, and risk factors to assess onboarding suitability.
  • Prepare risk summaries and recommendations for senior compliance review and approval.
  • Liaise with clients or internal stakeholders to obtain additional documentation or clarification where required.

• Compliance Operations & Process Improvement:

  • Ensure consistent adherence to internal compliance policies, procedures, and regulatory requirements.
  • Support internal and external audits by preparing documentation and responding to audit requests.
  • Contribute to periodic reporting, risk assessments, and compliance metrics tracking.
  • Identify process inefficiencies or recurring alert patterns and propose improvements to reduce false positives and enhance monitoring effectiveness.
  • Assist with ad-hoc compliance investigations and special projects as required.

• Shift Coverage:

  • Provide coverage aligned with US banking hours to support transaction monitoring and regulatory response obligations.
  • Adapt to varying workloads, from high-volume operational periods to investigative or project-focused shifts.
  • Work in a remote or hybrid model depending on jurisdiction and team requirements.

Ideal candidate

• Must-Haves:
• 3–5+ years of experience in Compliance, Financial Crime, or AML, ideally within a fintech, payments, or financial services organization.
• Strong experience across AML/CTF and sanctions compliance, including: KYB and corporate onboarding
• Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
• Transaction monitoring and alert investigations
• Risk assessments and escalation processes
• Suspicious Activity/Transaction Reporting (SARs/STRs) exposure
• Understanding of global anti-financial crime frameworks, including FATF recommendations and industry best practices for risk management and internal controls.
• Strong analytical skills with the ability to review complex transaction patterns and make risk-based decisions.
• Excellent written documentation skills to clearly articulate investigation outcomes and regulatory responses.
• Nice-to-Haves:
• Experience using transaction monitoring and compliance platforms (e.g., Dotfile, Flagright or similar tools).
• Exposure to multi-jurisdictional regulatory environments, particularly involving US, UK, EU, APAC or financial freezone regulators.
• Prior experience conducting KYB reviews for corporate clients in payments, fintech, or digital asset environments.
• Familiarity with regulatory audits, banking partner due diligence reviews, or compliance program testing.

Benefits

• Opportunity to travel (if applicable)
• Flexible vacation policy
• Private Healthcare
• Employee stock ownership (ESOP)
• Flexible working and autonomy
• Pay it forward days - we offer 2 annual pay it forward days where you can take time to volunteer for a charitable cause that is important to you.
• Wellness days - we believe you can only work your best when you feel your best, and we know working at Lorum is intense, so we offer 3 wellness days every quarter where you can take time to re-energize.

Compensation range

Other locations: Compensation will be discussed during the interview process
*Final compensation will be determined based on the candidate's qualifications, skills, and previous experience