AML Analyst

Paybis, founded in 2014, is a leading cryptocurrency exchange platform that offers innovative solutions for both individual and business users worldwide. With a focus on compliance, transparency, and security, Paybis is committed to ensuring that all operations meet the highest regulatory standards. We bridge the gap between traditional financial services and the rapidly evolving crypto space, offering a range of advanced solutions such as White Label On/Off Ramp and Crypto Processing platforms.

We are looking for an experienced AML Officer to join Paybis' Polish MLRO team. In this role, you will support the MLRO in ensuring that our Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) programs meet regulatory requirements. You will play a key part in safeguarding Paybis from financial crime by reviewing client accounts, conducting due diligence, and leading investigations into suspicious activity.

1.Compliance Expertise and Advisory

• Act as a subject matter expert on AML and compliance matters, providing guidance to Paybis in Poland and ensuring adherence to local and European regulations.
• Assist the MLRO in their daily activities, including decision-making on compliance matters.

2.Client Due Diligence and Risk Assessment

• Conduct Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and ongoing due diligence for new and existing clients.
• Perform risk assessments, monitor transactions, and identify potential compliance risks.
• Ensure that all due diligence procedures meet regulatory standards.

3.Sanctions and PEP Screening

• Review and complete sanctions and Politically Exposed Persons (PEP) screenings.
• Conduct ongoing monitoring of high-risk clients and ensure any flagged issues are promptly addressed.

4.Internal and External Investigations

• Conduct investigations in response to internal Suspicious Activity Reports (SARs) and initiate in-depth investigations into potential money laundering or terrorist financing activities, including complex cases.
• Process external SARs using the relevant reporting systems, ensuring all actions are in line with prescribed guidelines and timelines.

5.Post-SAR Management and Law Enforcement Liaison

• Handle all post-SAR actions, including communication with the General Inspector of Financial Information (GIIF) and law enforcement agencies on ongoing investigations.

• Apply underwriting expertise to conduct detailed evaluations of corporate customers.
• Perform in-depth investigations, identifying potential reputational risks and connections to financial crimes.
• Ensure clear documentation of factors influencing the risk rating, such as business sector, transaction behavior, or adverse media findings.

• Bachelor’s degree in Finance, Law, or a related field. A professional certification (e.g., CAMS, CFE) is an advantage.
• Over 2 years of experience in financial crimes compliance, including working in an MLRO team.
• Strong understanding of Polish AML and CTF regulations, and experience with European regulatory frameworks.
• Familiarity with the Markets in Crypto Assets (MiCA) regulations is a plus.
• Experience with regulatory reporting and dealing with Polish authorities.
• Proven ability to communicate complex regulatory requirements in a clear and straightforward manner.
• Fluency in both Polish and English.

• Previous experience in the cryptocurrency or fintech industry.
• Strong analytical and problem-solving skills, with the ability to implement practical solutions.
• Experience managing multiple projects in a fast-paced environment.

• Career Development: Grow your career in the rapidly evolving fintech and crypto industries.
• Dynamic Team: Work with a collaborative and passionate team focused on compliance and innovation.
• Comprehensive Benefits: Enjoy health insurance, paid training, and development opportunities.
• Work-Life Balance: Take part in corporate events, team-building activities, and social gatherings.

Join Paybis and be part of an innovative team shaping the future of financial technology and compliance. If you're ready to take on new challenges in AML compliance, we look forward to hearing from you.