Financial Crime Analyst

At RAYN, we're revolutionizing the world of savings by seamlessly integrating traditional finance with the innovative power of blockchain.

Our mission is to empower customers by making their money work for them, while ensuring they have the flexibility to spend when needed.

• Conduct thorough customer due diligence during onboarding and periodic reviews to ensure compliance with regulatory requirements.
• Collect, review, and verify client documentation to ensure accuracy and completeness for KYC processes.
• Analyze client information to identify potential risks, including politically exposed persons, sanctions, and adverse media.
• Maintain up-to-date and detailed KYC profiles for clients, ensuring all information is accurately documented and accessible for internal and external audits.
• Communicate with internal teams and/or external customers to resolve any discrepancies or obtain additional information required for CDD.
• Identify and assess the risk levels of clients, providing recommendations based on findings.

• Monitor and investigate alerts generated by the transaction monitoring system to detect unusual or suspicious activity related to money laundering, fraud, or terrorism financing.
• Conduct detailed investigations into flagged transactions, identifying potential red flags, patterns, and anomalies.
• Ensure timely and accurate escalation of suspicious activity reports (SARs) to the Money Laundering Reporting Officer (MLRO).
• Classify and provide a rationale for the outcome of alerts (e.g., escalation, closure, further monitoring), ensuring that each decision is clearly justified.
• Collaborate with various teams to resolve alerts and ensure appropriate follow-up actions are taken.

• Contribute to the enhancement and optimization of transaction monitoring systems and KYC processes to boost efficiency and improve risk detection capabilities.
• Provide feedback and insights to refine risk management strategies and strengthen the organization's AML controls.
• Participate in the continuous review and updating of processes and procedures, including involvement in testing new processes and tools.

• Degree or experience (at least 1 year) in Finance, Business Administration, Economics, Law, or related field.
• Strong understanding of AML/CTF requirements and financial crime risks associated.
• Relevant AML experience, preferably in Fintech or an investment firm (min. 1 year).
• Experience of AML/KYC/Due Diligence processes and systems.
• Experience with AML monitoring and screening.
• Good level of English required.

• Ability to work collaboratively within a complex organization, across multiple cultures, geographies, and disciplines.
• Highly developed skills in problem identification, research, and analysis.
• Ability to solve problems independently.
• Strong analytical and research skills.
• Attention to details.
• Exceptional organizational skills.
• Strong written and verbal communication skills.

• Excellent communication and interpersonal skills.
• Good organizational skills.
• Reactivity.
• Strategic thinking.
• Adaptability.
• Creativity and curiosity.
• Ability to negotiate.
• Entrepreneurial mindset.
• Autonomy and ability to take initiatives.