Compliance Onboarding Analyst

About us: We believe the next generation of financial services will be powered by stablecoins. Founded in 2021, our mission at BVNK is to accelerate global money movement. We’re building stablecoin-native infrastructure so businesses can move value instantly across borders and networks. With global licenses and T1 bank partnerships, we facilitate billions in transactions for enterprise clients like Worldpay, Deel, LianLian Global, and Rapyd. Our technology is transforming how businesses operate globally by eliminating payment delays, reducing costs, and unlocking trapped capital.  We’re a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that BVNK is at the forefront of this shift. In 2025, we secured strategic investment from Visa, following our $50 million Series B with Haun Ventures, Coinbase Ventures, Scribble Ventures, DRW Venture Capital, Avenir, and Tiger Global. With the backing of these leading investors, we’re accelerating our growth – and we're looking for smart, ambitious people to help us build the future of financial services. We're incredibly honored to have made Newsweek's list of The Top 100 Global Most Loved Workplaces three years running (most recently in 2025) and to have been recognised by LinkedIn as one of the Top 20 Startups in the UK in 2024. About this role in the team: Due to our expanding business, there is an increased demand for a Compliance Onboarding Analyst to join the Team. The role requires a high level of initiative, as well as expertise in a  FinTech environment and cooperation with corporate and individual clients. This role requires high attention to clients needs, self education and  self organization. This role will form part of our global team, and will work closely with Operations, Trading Team, Sales, and Management. Key Areas of Responsibilities: * Manage the onboarding and due diligence process for the Company's Individual (Consumer) clients, ensuring adherence to best practices in KYC, compliance, and risk management. * Oversee the end-to-end Individual (Consumer) customer application process, including the collection, review, and verification of all required documentation. * Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), where required, in line with internal policies and regulatory requirements. * Perform screening and due diligence checks, including Sanctions, Politically Exposed Persons (PEPs), and Adverse Media screening, investigating and resolving any potential matches or alerts. * Conduct PEP risk assessments and make informed recommendations regarding escalations in accordance with internal policies and risk appetite. * Ensure compliance with all applicable laws, regulations, internal policies, and industry best practices throughout the customer onboarding lifecycle. * Make risk-based decisions on customer applications, determining when additional information, further investigation, or escalation is required, and follow through with appropriate actions. * Maintain accurate and complete customer records, ensuring all KYC documentation is up to date and audit-ready. * Identify and suggest improvements to onboarding processes to enhance efficiency, compliance, and customer experience. What we need from you: * Fluent in English, with excellent written and verbal communication skills. * Minimum 2 years' experience in KYC onboarding within the payments, fintech, banking, or foreign exchange (FX) industry. * Familiarity with customer onboarding requirements across multiple jurisdictions, particularly the EU and US. * Strong understanding of KYC, AML, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) requirements for individual customers. * Proven experience conducting customer screening, including Sanctions, Politically Exposed Persons (PEPs), and Adverse Media checks, with the ability to assess results and manage escalations appropriately. * Strong analytical and investigative skills, with the ability to identify potential risks, make sound risk-based decisions, and escalate complex cases where required. * Experience working within a regulated financial services environment and maintaining compliance with internal policies and applicable regulatory requirements. * Hands-on experience using Sumsub or similar CRM/case management tools for customer onboarding and workflow management. * Excellent attention to detail, organisational skills, and the ability to manage multiple onboarding cases simultaneously while maintaining high standards of accuracy and compliance. * Ability to work effectively in a fast-paced, high-growth environment, managing competing priorities and meeting service level agreements (SLAs). Nice to have: * * Experience supporting Know Your Business (KYB) onboarding, including reviewing business documentation, identifying Ultimate Beneficial Owners (UBOs), and understanding corporate ownership structures. What you can expect from us: * Fair and competitive salary at every stage of your growth * Meaningful ownership in the business through our employee option scheme * Flexible working hours, with hybrid working at its heart * A culture built on passionate growth minded people * A flexible approach to holiday * Opportunities to travel to our offices around the world, in locations such as London and Cape Town, to collaborate with your colleagues  * An open and creative environment where you can help us define the future of BVNK, it’s culture, and it’s opportunity sets At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team. Compensation packages are based on candidate experience and relevant certifications. Malta Salary Range €30.000—€40.000 EUR

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards.  Customers can conveniently access these services through the LHV App, enabling secure account opening and management. We are currently seeking a Senior Anti-Financial Crime & Onboarding Analyst, to support both our Anti-Financial Crime (AFC) efforts and client onboarding. This is primarily an office-based role, requiring a minimum of two days per week in either the Manchester or London office. Additional travel to these offices may occasionally be required. About the job The Senior AFC and Onboarding Analyst supports the delivery of effective first line financial crime controls and client onboarding activities within SME Lending. The role is responsible for assisting with KYC, EDD, sanctions screening, onboarding including quality assurance, and ongoing process improvements to support the continued growth of the franchise while maintaining strong control standards. Reporting to the Anti-Financial Crime & Onboarding Manager the role will work closely with Head of SME Product, Risk and Financial Crime, Lending Managers, Operations, and Compliance, to ensure onboarding is completed efficiently, consistently, and in line with internal policies and regulatory expectations. In this role, you will play a pivotal part in the frontline defence against financial crime, serving as a subject matter expert and point of reference for team members. You’ll be responsible for assisting with and overseeing the quality and accuracy of due diligence performed by the frontline team, ensuring high standards are consistently met. You’ll work in close partnership with internal stakeholders and external partners to strengthen and evolve our AML and KYC processes, and assist the AFC and Onboarding Manager in providing regular updates via preparation of MI on financial crime risk. If you’re a KYC professional seeking an opportunity to shape policies and procedures, support team development, and share your expertise across the wider function we’d be excited to hear from you. Key Responsibilities * As a 1st Line Anti-Financial Crime & Onboarding Analyst you will be responsible for supporting customer due diligence (CDD), enhanced due diligence (EDD), and transaction monitoring activities to ensure the Bank's compliance with anti-money laundering (AML) and Know Your Customer (KYC) regulations. You’ll play a critical role in identifying and mitigating financial crime risk at the frontline of customer interaction. * Supporting AML/KYC reviews on new and existing customers in line with internal policies and regulatory requirements. * Review and assess the suitability of customer documentation including corporate structures, identification documents, source of funds/source of wealth evidence and lending-related information. * Utilise internal onboarding and monitoring systems, together with third-party screening tools to conduct and assess sanctions, PEP, adverse media and background checks. * Manage and monitor investigations of alerts from monitoring systems conducted by the frontline, escalating suspicious activity as appropriate. * Liaise with internal teams to obtain missing information or resolve KYC issues. * Contribute to the overall continuous improvement and development of the AML/KYC Operations by supporting the implementation of internal controls, process improvements and documentation updates. * Assist in the preparation of internal reports and MI relating to Financial Crime and AML. * Stay current on AML/CTF legislation, typologies, and regulatory expectations. * Provide guidance and day-to-day support to frontline colleagues on AML/KYC requirements and onboarding best practice. Required Skills * Previous demonstrable experience in a KYC, AML, or compliance role within a financial institution (preferably with experience in Commercial/SME Lending). * Working knowledge of the UK regulatory environment, including the Money Laundering Regulations, JMLSG Guidance, and FCA Handbook. * Familiarity with screening and case management tools e.g. LexisNexis, ComplyAdvantage, RiskNarrative, Dow Jones. * Team player with a proactive attitude and ethical mindset. * Ability to work under pressure and manage workload in line with SLAs. * Strong communication skills including the ability to forge new connections with existing stakeholders and escalate risks diligently in line with agreed processes. * Keen eye for detail and problem solving with an investigative mind and the desire to find solutions to problems independently and quickly using a risk-based rationale in line with relevant legislation.   Some of our benefits (only applicable to UK based roles not Internship programmes)  * Competitive salary &lots of opportunities to learn, grow and progress professionally. * Open and inclusive culture.   * Hybrid working. * Fantastic offices and great working environment. * Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)  * Health cash Plan (Medicash health plan Level 3) * 6% employer pension contribution. * Life assurance – 4 x salary. * Income protection insurance – 75%   * 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year. * Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.  * Enhanced family friendly and family forming policies. * Access to a wide range of retail discounts.  * Team Socials.