Senior AML, CTF, CPF & Sanctions Analyst

As a Senior AML, CTF, CPF & Sanctions Analyst at Luno, you will form part of the compliance team based in South Africa, Malaysia and Indonesia, reporting to the Team Lead. You'll help implement money laundering, terrorist financing, proliferation financing and sanctions risk mitigation controls for Luno's global business, collaborating with Engineering, Product, Countries and Legal teams across Africa, Asia Pacific and the UK.

What you'll do

• Conduct reviews of screening alerts generated through LSEG Refinitiv WorldcheckOne for sanctions, PEPs and adverse media relating to customers, employees and vendors
• Create detailed investigation reports for internal and external use, and conduct quality assurance on outputs from other team members
• Trace complex financial crime syndicates on the blockchain and document findings within investigative reports
• Use ComplyAdvantage and Chainalysis KYT to review transaction monitoring alerts, and use Chainalysis KYT and Reactor to conduct in-depth transactional investigations into customer profiles
• Conduct ad hoc and high-level account reviews resulting in limit or risk upgrades
• Manage interactions with, requests from and information sharing in relation to first-line functional areas, external and internal stakeholders, regulators, banks and payment partners, subject to oversight and review
• Support work for audits and regulatory engagements, ensuring accuracy, completeness and timely delivery of required information
• Review alerts, customer accounts and transactions for red flags indicating potential money laundering activity and take swift, decisive action
• Drive and manage in-depth transactional investigations into customer profiles, analysing complex money laundering techniques in both fiat and crypto environments
• Provide input on creation of rules, alerts and thresholds and improvements to them
• Lead assessments of effectiveness of specific aspects within the functional area and prepare proposals to address outcomes for senior stakeholders
• Identify need for and support functional leads with creation, implementation, recording and managing of role-based training
• Gather relevant data from external sources such as blockchain explorers, trading platforms and OSINT to support investigations
• Lead drafting of new Standard Operating Procedures based on approved policies and minimum standards, and identify areas for improvement in existing SOPs
• Assist in development, implementation and revision of current policies and procedures to ensure compliance
• Stay abreast of emerging financial crime patterns and reputational risks and inform relevant teams

What you bring

• A minimum of 3 years of work experience in an AML, CTF, CPF or Sanctions-related field
• Tertiary education to the equivalent of a graduate level
• Advanced proficiency with internal investigation and analytical tools relevant to the functional area
• Ability to gather and analyse relevant data from external sources including blockchain explorers, trading platforms and OSINT
• Experience with any of the following tools: Chainalysis KYT/Reactor, ComplyAdvantage, WorldCheck One, GeoComply, Notabene, Databricks or ThoughtSpot
• Ability to write clear, concise, organised and unbiased reports on complex cross-functional investigations with limited supervision required before presenting for sign-off
• Ability to finalise and file regulatory reports and requests in conjunction with the MLRO without review
• Proficiency in analysing transactions, identifying suspicious patterns and distinguishing between legitimate and suspicious activities
• Understanding of legislation and regulations relating to crypto and ability to identify breaches in regulation
• Ability to identify accurately whether Luno is compliant with laws and regulations
• Ability to perform initial review and analysis of newly drafted or amended legislation
• Ability to receive direction, manage own work and report on results on agreed-upon deliverables or dates with minimal oversight
• Demonstrated accountability, ownership and personal responsibility for decisions, actions and failures
• Ability to work and collaborate effectively with others across Luno to achieve shared objectives
• Ability to take the lead on multi-team investigations and coordinate final joint responses
• Ability to manage interpersonal conflict, differing opinions and rival priorities with other teams
• Ability to seek specialist knowledge or advice when required

What we offer

• Remote but reachable work policy, giving you the freedom to choose between working from home or the office
• Option to buy and sell up to 5 days of leave
• Excellent private medical insurance
• Access to Learnably and additional learning platforms for your personal and professional development
• 6 months primary care-giver leave
• Paw-ternity leave for your furry friend
• Annual Inspiration Day in addition to your annual leave, which increases based on your length of service
• A collaborative, friendly work community with regular social events and virtual classes hosted by colleagues
• Free lunch and snacks
• 0 fees up to a certain amount with Luno from the day you start (Luno Instant Buy only)

About Luno

Luno is a crypto investment app enabling you to buy, store and explore cryptocurrency securely. Operating since 2013 in more than 40 countries, Luno is committed to helping millions of people invest safely in crypto while working closely with regulators in all markets to remain fully compliant.