Senior Analyst / SME - EDD

As a Senior Analyst / Subject Matter Expert (SME) in Enhanced Due Diligence (EDD) at BVNK, you will lead complex remediation activities and advanced risk assessments for high-risk corporate clients. Reporting directly to the Head of Customer Portfolio Risk, you handle multi-layered corporate structures, complex product flows, and specialized 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 to 10% ownership thresholds.
• Verify Source of Funds and Source of Wealth for entities and UBOs using commercial databases, tax returns, audited financials, and open-source intelligence.
• Execute jurisdiction-specific EDD requirements across global operations including EU, UK, US, and APAC per local regulatory requirements.
• Conduct full Regulatory Assessments for regulated clients in B2B/B2C and nested/embedded models, including license verification against official registries and scope validation.
• 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 for Gambling, CFDs and Leveraged Products, Virtual Assets, and CASPs in line with BVNK guidance.
• Lead live AML Control Walkthroughs with client compliance and operational teams to test and validate CDD, payment screening, transaction monitoring, and SAR escalation environments.
• Perform desktop reviews of third-party AML/CFT, Sanctions, and Transaction Monitoring policies and external audit reports to identify gaps and agree remediation plans.
• Manage complex scheduled Annual Periodic Reviews, Event-Driven Reviews, and Embedded Partner Customer reviews for higher-risk accounts.
• Act as a Checker and 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 key liaison to Second Line Compliance, MLROs, and Senior Management for high-risk client approvals and policy escalations.

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 such as holding companies, trusts, foundations, and offshore structures.
• Deep understanding of regulatory assessment frameworks, cross-border licensing rules, and financial crime requirements including FATF, FCA, MGA, FinCEN, and MiCA.
• Experience using enterprise compliance case management systems for tracking end-to-end review lifecycles.
• Exceptional written risk assessment capabilities, able 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 such as Chainalysis, TRM, and Elliptic, and Travel Rule protocol requirements.
• Strong proficiency in data querying and analytics, such as 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 at every stage of your growth.
• Flexible working hours with hybrid working at its heart.
• A flexible approach to holiday.
• Opportunities to travel to offices around the world.

About BVNK

BVNK is the stablecoin-powered financial stack for enterprises, now part of Mastercard. The company enables businesses to build financial products, unlock new markets, and move money across 130+ countries with 40+ licenses for fiat and digital assets globally. BVNK is trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire and has been recognized by CNBC as one of the World's Top Fintech Companies (2026) and by Newsweek as one of the Top 100 Global Most Loved Workplaces (2025).