高级KYC分析师
Senior KYC Analyst
关于我们：
小企业是美国经济的支柱，占了近一半的国内生产总值和私营劳动力。然而，大银行并没有提供业主成功发展业务所需的访问权限、协助和现代工具。
我们创立了Novo来挑战现状——我们的使命是通过为小企业（SMB）打造首选的银行平台来增加现代企业家的国内生产总值。Novo正在改变银行业界的规则，我们很兴奋地引领小企业银行的革命。
在Novo，我们致力于帮助创业者、自由职业者、初创公司和SMB实现他们的财务目标，通过一个使企业银行像iOS一样简单的操作系统来赋能他们。我们开发了现代的银行账户和工具，以帮助节省时间并增加现金流。我们的独特产品集成使轻松访问跟踪付款、国际转账、管理企业交易等成为可能。我们在短时间内产生了巨大影响，帮助成千上万的组织获得强大而简单的企业银行服务。
为什么选择Novo？
- Novo是一家快速发展的B轮融资金融科技初创公司，拥有一支以使命为导向的团队，热衷于帮助美国的每一家小企业
- 积极、包容、支持的文化，鼓励你踏上自己的旅程
- 我们使用非常新的技术和架构模式
- 纽约和印度设有办公室
职位概述：
我们正在寻找一位高级KYC分析师，能够确保我们的平台在高效运作的同时，最小化潜在损失并减少开户流程中的摩擦。如果你热衷于为一家处于早期阶段、即将迅速增长和扩张的创新公司工作，那么我们想与你聊聊。你准备好与我们一起革新小企业银行业务行业了吗？
职位职责：
- 理解并管理KYC和AML流程
- 支持存款的发起和生命周期管理，在开户过程中处理客户/增强尽职调查以及生命周期内的定期审查。
- 有效通过工作流系统处理所有申请，符合约定的SLA和目标，并遵守公司政策和程序。
- 对潜在和现有客户进行尽职调查，例如请求KYC信息和文件。
- 对高风险客户进行增强尽职调查，包括评估客户对财富来源的回应
查看英文原文
ABOUT US :
Small businesses are the backbone of the US economy, comprising almost half of the GDP and the private workforce. Yet, big banks don’t provide the access, assistance and modern tools that owners need to successfully grow their business.
We started Novo to challenge the status quo—we’re on a mission to increase the GDP of the modern entrepreneur by creating the go-to banking platform for small businesses (SMBs). Novo is flipping the script of the banking world, and we’re excited to lead the small business banking revolution.
At Novo, we’re here to help entrepreneurs, freelancers, startups and SMBs achieve their financial goals by empowering them with an operating system that makes business banking as easy as iOS. We developed modern bank accounts and tools to help to save time and increase cash flow. Our unique product integrations enable easy access to tracking payments, transferring money internationally, managing business transactions and more. We’ve made a big impact in a short amount of time, helping thousands of organizations access powerfully simple business banking.
WHY NOVO?
- Novo is a rapidly growing series B fintech startup with a mission-driven team that’s passionate about helping every small business in America
- Positive, inclusive, supportive culture cheering you on your journey
- We work with very new technologies and architecture patterns
- Offices in NYC and India
ROLE SUMMARY:
We are looking for a Senior KYC Analyst who understands how to ensure that our platform can continue operating in an efficient manner while minimizing downside losses and reducing friction in the onboarding process. If you're passionate about working for a revolutionary early-stage startup, poised for rapid growth and expansion then we want to chat. Are you ready to revolutionize the small business banking industry with us?
ABOUT THE ROLE:
- Understand and manage KYC and AML processes
- Support the origination and in-life management of deposits by handling the Customer/Enhanced Due Diligence during on-boarding and in-life periodic reviews.
- Process all applications through a workflow system effectively, within agreed SLAs and goals, and in compliance with company policies and procedures.
- Perform due diligence checks on prospective and existing customers, such as requesting KYC information and documentation.
- Conduct enhanced due diligence on high risk customers, including evaluation of client responses to sources of wealth and intended use of account.
- Investigate identified suspicious clients generated by the screening system, such as WorldCheck and OFAC list.
- Analyze the AML/CFT risk of Politically Exposed Persons (PEP), adverse information, business exposure in high risk & sanctioned countries and escalate the issues to the Legal Team for approval.
- Identify, monitor, evaluate and address customer account actions to address potential risk, fraud or suspicious activity.
- Follow internal policy and procedures when dealing with account related suspicious activity.
- Cross reference multiple databases for potential undesirable client matches.
REQUIREMENTS FOR THE ROLE:
- 3-5 years experience working in KYC/compliance related role in the financial services/banking industry
- Background working in U.S. markets, in a fintech/tech company, or both.
- Comfortable working in the US Shift
- Deep domain expertise in end-to-end KYC and KYB due diligence, supported by a strong operational understanding of sanctions screening, financial crime risk mitigation and BSA/AML compliances.
- Experience with Screening/Data mining and using different search engines in prior role.
- Proficient in MIS, Understanding Data sensitivity, MS Office, with strong Excel skills (e.g., VLOOKUP/XLOOKUP, Pivot Tables, data formatting and Understanding Dashboards)
- An interest in financial crime and idea of digging deeper, looking into customer behaviors and identifying key characteristics of fraudulent users.
- Work on process improvements, conducting training and develop standard operating procedures
- Ability to oversee critical analytics projects from end to end independently.
- Ability to think outside the box, work with limited data, and find solutions to unorthodox problems.
- Excellent written and verbal communication skills.
- Ability to thrive in an ambiguous environment and adapt quickly to changing priorities; focused on getting things done in a highly organized way.
- Ability to work cross-departmentally, without the need for extensive hierarchical corporate structure
- An inquisitive and highly detailed oriented work ethic
Novo values diversity as a core tenant of the work we do and the businesses we serve. We are an equal opportunity employer, indiscriminate of race, religion, ethnicity, national origin, citizenship, gender, gender identity, sexual orientation, age, veteran status, disability, genetic information or any other protected characteristic.