Financial Crime Analyst

À propos de nous

Rayn is the application that is radically transforming the world of savings by skilfully merging the reliability of traditional finance with the disruptive innovation of blockchain.

It's the first fintech that focuses not on spending but on making customers' money work for them, while being available to spend.

MissionMission 1 - KYC (“Know Your Client”) responsabilities

• Conduct thorough Customer Due Diligence (CDD) during onboarding and periodic reviews to ensure compliance with regulatory requirements.

• Collect, review, and verify client documentation, ensuring accuracy and completeness for KYC processes in coordination with the Customer Support Team and External KYC Service Providers.

• Analyze client information to identify potential risks, including politically exposed persons (PEPs), 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.

  
  
  

Mission 2 - Transaction monitoring and alerts

• 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.

  
  
  

Mission 3 - Continuous improvement of control processes

• 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.

ProfilKnowledge

• Diplome or experience (at least 1 year) in Finance, Business Administration, Economics, Law or related field REQUIRED

• Strong understanding of AML / CTF requirements and financial crime risks associated REQUIRED

• Relevant AML experience, preferably in Fintech or an investment firm (min. 1 year) REQUIRED

• Experience of AML / KYC / Due Diligence processes and systems REQUIRED

• Experience with AML monitoring and screening REQUIRED

• Good level english level REQUIRED

Hard Skills

• Ability to work collaboratively within a complex organization, across multiple cultures, geographies and disciplin REQUIRED

• Highly developed skills in problem identification, research and analysis REQUIRED

• Ability to solve problems independently DESIRED

• Strong analytical and research skills REQUIRED

• Attention to details REQUIRED

• Exceptional organizational skills DESIRED

• Strong written and verbal communication skills REQUIRED

Soft Skills

• Communication / Excellent interpersonal skills REQUIRED

• Good organizational skills REQUIRED

• Reactivity REQUIRED

• Strategist DESIRED

• Adaptability REQUIRED

• Creativity / Curiosity REQUIRED

• Ability to negotiate DESIRED

• Entrepreneurial mindset DESIRED

• Autonomous, able to take initiatives REQUIRED

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