Senior AML KYC Analyst

<p>Join Circle, a leading internet financial platform company, as we build the foundation for a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure. Our platform features the world's largest regulated stablecoin network anchored by USDC, the Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain aiming to be the Economic OS for the internet. Enterprises, financial institutions, and developers leverage Circle to drive trusted, internet-scale financial innovation.</p><p>At Circle, we value visibility and stability. As we expand into strong jurisdictions, we prioritize speed and efficiency. Our team embodies company values such as High Integrity, Future Forward, Multistakeholder, Mindful, and Driven by Excellence, all while fostering a flexible work environment that encourages innovation and collaboration.</p><p>We are on the lookout for a Senior AML KYC Analyst to enhance our Compliance Operations team. This crucial role involves executing detailed periodic reviews and projects within Circle's KYC Team. The Senior Analyst will oversee the end-to-end KYC periodic review process, which encompasses collection, documentation, due diligence, analysis, and escalation of customer information.</p><p><b>Your responsibilities will include:</b></p><ul><li>Thoroughly reviewing high-risk client relationships to ensure accurate and complete customer due diligence in accordance with applicable specialized and enhanced due diligence requirements.</li><li>Critically evaluating changes in customer profiles and documentation gathered during the periodic review process for any material shifts in risk factors and red flags.</li><li>Updating internal records to enrich customer KYC files for enhanced clarity and compliance.</li><li>Verifying that the customer's nature of business is consistent with their business models and profiles.</li><li>Escalating and drafting executive-level risk acceptance memos for customers exhibiting red flags or higher risk attributes, summarizing findings and outlining next steps clearly.</li><li>Collaborating effectively with the Customer Service team and Relationship Managers to gather all necessary documentation to fulfill KYC due diligence needs.</li><li>Partnering with regional team leads for knowledge sharing and best practices exchange.</li><li>Monitoring industry trends related to money laundering and fraud schemes, including the detection and reporting of suspicious activities.</li><li>Performing general administrative tasks and ancillary activities related to compliance as required.</li></ul><p><b>What you bring to Circle:</b></p><ul><li>A genuine enthusiasm for digital currency and blockchain technology, with a solid understanding of its applications.</li><li>An innovative spirit, ready to propose fresh solutions to existing challenges.</li><li>Proven collaboration skills, capable of engaging with multiple stakeholders and internal teams effectively, valuing direct communication.</li><li>Adaptability to thrive in a dynamic industry, demonstrating flexibility in response to changing demands and an eagerness to learn continuously.</li><li>A B.A./B.S. degree; a quantitative or technical background is advantageous.</li><li>4+ years of relevant experience in AML and KYC reviews for corporations, including 2 years in the crypto sector, preferably focusing on ongoing monitoring of higher and high-risk clients.</li><li>A detail-oriented and analytical mindset, comfortable exploring and interpreting data.</li><li>Strong communication skills, with a professional presence and the ability to connect effectively with internal and external teams.</li><li>CAMS, CFCS, or CFE certification is a plus.</li><li>Ability to work effectively in a fully remote environment across multiple time zones (our team spans the US, Europe & APAC).</li><li>Familiarity with Slack, Apple MacOS, and GSuite is beneficial.</li></ul><p><b>Base Pay Range:</b> $97,500 - $127,500</p><p>As an equal opportunity employer, Circle is committed to creating a diverse environment and does not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other protected status in accordance with applicable laws. Circle participates in the E-Verify Program in certain locations as required.</p><p>If you require accommodations or assistance during our interview process due to a disability, please reach out for support. We respect your privacy and will connect with you separately to accommodate your needs.</p>

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