Senior Analyst / SME - EDD

As a Senior Analyst / Subject Matter Expert (SME) in Enhanced Due Diligence at BVNK, you will lead complex remediation activities and advanced EDD reviews for high-risk corporate clients. Reporting directly to the Head of Customer Portfolio Risk, you handle multi-layered corporate structures, specialized product flows, and high-risk verticals across onboarding and ongoing monitoring for a stablecoin-powered financial stack now part of Mastercard.

What you'll do

• Lead end-to-end complex EDD remediation for high-risk corporate clients, conducting deep-dive ownership analysis on multi-layer structures to identify Ultimate Beneficial Owners (UBOs) to 10% ownership thresholds.
• Verify Source of Funds (SoF) and Source of Wealth (SoW) for entities and UBOs using commercial databases, tax returns, audited financials, and open-source intelligence (OSINT).
• Execute jurisdiction-specific EDD requirements across global operations (EU, UK, US, and APAC per local regulatory annexes).
• Conduct full Regulatory Assessments for regulated clients (B2B/B2C) and nested/embedded models, including license verification against official registries and equivalence reviews.
• Perform Geographic and Reverse Solicitation Analyses to identify active targeting of non-licensed jurisdictions using digital, marketing, payment rail, and operational indicators.
• Conduct sector-specific High-Risk Vertical Assessments (e.g. Gambling, CFDs and Leveraged Products, Virtual Assets and CASPs) aligned with BVNK guidance.
• Lead live AML Control Walkthroughs (video and occasionally in person) with client compliance and operational teams to validate their CDD, payment screening, transaction monitoring, and SAR escalation environments.
• Perform desktop reviews of third-party AML/CFT, Sanctions, and Transaction Monitoring policies, procedures, and external audit reports to identify gaps and agree remediation action plans.
• Manage complex scheduled Annual Periodic Reviews (APRs), Event-Driven Reviews (EDRs), and Embedded Partner Customer (EPC) reviews for higher-risk accounts.
• Act as a Checker / Escalation SME, reviewing and approving complex CDD/EDD files, risk rating shifts, account change requests, and nested flow authorisations.
• Conduct advanced transaction pattern analysis comparing 12-month transaction volumes against expected activity profiles and known risk typologies.
• Serve as a key liaison to Second Line Compliance, MLROs, and Senior Management for high-risk client approvals and policy escalations.
• Research regulatory standards and high-risk verticals to support a risk-based approach and present strategic recommendations to Second Line Compliance.

What you bring

• 5+ years of direct experience in B2B corporate compliance, EDD, and risk assessment within high-risk industries.
• Recognized Subject Matter Expertise in evaluating complex corporate entities (holding companies, trusts, foundations, offshore structures).
• Deep understanding of regulatory assessment frameworks, cross-border licensing rules, and financial crime requirements (FATF, FCA, MGA, FinCEN, MiCA).
• Experience using enterprise compliance case management systems for tracking end-to-end review lifecycles.
• Exceptional written risk assessment capabilities with ability to synthesize complex financial, corporate, and transactional data into clear executive summaries.
• High autonomy, strong self-organization, and ability to manage complex case pipelines in a high-growth environment.

Nice to have

• Exposure to Fintech, Gaming, Crypto/VASP, and/or CFD/FX industries.
• Hands-on experience executing AML Control Walkthroughs and evaluating third-party compliance environments.
• Practical exposure to blockchain analytics tools (Chainalysis, TRM, Elliptic) and Travel Rule protocol requirements.
• Strong proficiency in data querying and analytics (Snowflake SQL or similar data environment experience).
• Proven ability to engage professionally with C-level executives, MLROs, and Compliance Directors during client walkthroughs and remediation discussions.

What we offer

• Competitive salary, €30,000-€60,000 EUR (Poland), based on candidate experience and relevant certifications.
• Flexible working hours with hybrid working at its core.
• Flexible approach to holiday.
• Opportunities to travel to offices around the world.

About BVNK

BVNK is a stablecoin-powered financial stack for enterprises, now part of Mastercard. You enable businesses to build financial products and move money across 130+ countries with 40+ licenses for fiat and digital assets globally, serving industry leaders like Corpay, Worldpay, Deel, and Flywire. The company has been recognized by CNBC as a Top Fintech Company (2026), FXC Intelligence as a Top 100 Cross-border Payment Company (2026), and Newsweek as a Top 100 Global Most Loved Workplace (three years running, most recently 2025).