Job Title: Risk & Compliance Analyst
Location: Hybrid (UK-based)
Type: Full-time
Start: ASAP
Level: Mid-level (3–5 years’ experience)
Reports to: Chief Operating Officer
About Us:
We are an innovative fintech startup on a mission to revolutionize and simplify group payments. Our solutions empower users to manage group expenses effortlessly, fairly and transparently.
Role Overview:
We are looking for an experienced Risk & Compliance Analyst to join us at an exciting time at KittyCard as we move from MVP to Beta and then public launch. You will be instrumental in helping us build, monitor and scale a best-in-class compliance program that ensures our users are protected and our platform is secure.
You will work closely with our product, operations and regulatory partners to shape compliance practices from the ground up, including customer onboarding, transaction monitoring, EDD, SAR reporting and training.
Key Responsibilities:
Monitoring & Oversight
* Develop and maintain compliance monitoring programs and internal controls.
* Proactively monitor payments (card, bank, wallet) for AML, fraud, and TF risks.
* Lead periodic reviews of customer activity and transaction patterns.
Customer Due Diligence
* Oversee KYC/AML processes for onboarding and ongoing due diligence.
* Conduct risk assessments and screening (sanctions, PEP and adverse media).
* Handle EDD reviews, including source of funds and source of wealth investigations.
Reporting & Escalations
* Manage the administration and documentation of Suspicious Activity Reports (SARs).
* Work with external vendors and partners to ensure end-to-end compliance.
* Liaise with our Banking-as-a-Service and card issuer partners for escalations and investigations.
Policy & Training
* Help draft and maintain key policies (AML, CTF, Sanctions and Fraud).
* Deliver compliance training to the wider team and ensure ongoing awareness.
* Assist in readiness for audits and regulatory reporting as we grow.
Skills & Experience
·3–5 years of firsthand compliance/FinCrime experience in fintech, payments, or financial services.
·Expert in UK AML/CTF laws, FCA expectations and global regulations (JMLSG and FATF).
Practical experience in:
* KYC/EDD reviews
* Transaction monitoring
* Sanctions and adverse media screening
* Drafting internal reports or SARs
* Documentation and communication skills.
* An initiative-taking, collaborative attitude with high integrity and diligence.
What We Offer:
·Competitive salary.
·Opportunity to shape the future of fintech with a talented and enthusiastic team.
·Flexible work environment.
·Professional growth opportunities in a high-impact role.
#J-18808-Ljbffr