Enhanced Due Dilligence Analyst
Hello! We're Teya.
Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance.
At Teya we believe small, local businesses are the lifeblood of our communities.
We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street.
We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters.
We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us.
Become a part of our story.
We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.
Your Mission
As an Enhanced Due Diligence (EDD) Analyst, you will play a critical role in delivering a best-in-class onboarding experience for our members while protecting Teya from financial crime risk.
You will be responsible for assessing, investigating, and mitigating high-risk customer, merchant, and corporate relationships. Working in a fast-paced environment, you will go beyond standard KYC/KYB checks to analyse complex ownership structures, source of wealth, and adverse media.
You will act as an escalation point for more junior team members, support quality standards across onboarding, and contribute to strengthening our financial crime controls as we scale across Europe.
Responsibilities
High-risk investigations
Conduct in-depth, risk-based Enhanced Due Diligence (EDD) reviews on high-risk customers, including Politically Exposed Persons (PEPs)
Assess merchant applications at onboarding stage, identifying fraud and financial crime risks while meeting SLAs
Corporate structure analysis
Analyse and verify complex, multi-jurisdictional ownership structures and identify Ultimate Beneficial Owners (UBOs)
Act as a subject matter expert for complex cases and escalations within the onboarding team
Screening and monitoring
Perform sanctions, PEP, and adverse media screening
Review alerts, assess potential matches, and determine true positives vs false positives
Escalate suspicious findings to the Money Laundering Reporting Officer (MLRO)
Quality control
Review KYC/KYB files produced by junior analysts to ensure compliance with FCA and relevant regulatory standards
Validate documentation authenticity and ensure risk-based decision making is consistently applied
Process improvement
Identify bottlenecks and contribute to improving KYC/AML workflows and controls
Analyse trends in data and propose enhancements to risk frameworks and onboarding processes
Work with a range of digital verification and screening tools
Time management and delivery
Manage workload effectively in a fast-paced environment, delivering high-quality outputs within SLA and KPI expectations
Demonstrate strong organisation, prioritisation, and attention to detail
Experience and Requirements
3–4+ years’ experience in onboarding, KYC/KYB, or EDD roles within payments, fintech, or business banking
Experience handling complex cases beyond remediation-only work
Strong understanding of AML regulations across the UK and EU
Experience analysing complex corporate ownership structures
Knowledge of card acquiring or business banking environments
Ability to make risk-based decisions supported by clear rationale
Skills
Strong analytical and data interpretation skills, with the ability to make data-driven decisions
Excellent written and verbal communication skills, with confidence engaging stakeholders
High attention to detail and strong organisational skills
Ability to work independently while collaborating effectively within a team
Adaptability and resilience in a fast-paced, evolving environment
Comfortable acting as an escalation point and supporting junior team members
The Perks
Physical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness, and nutrition apps
Our company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support
Cycle-to-Work Scheme
Health and Life Insurance
Pension Scheme
25 days of Annual Leave (+ Bank Holidays)
Office snacks every day
Friendly, comfortable, and informal office environment in Central London
Teya is proud to be an equal opportunity employer.
We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all.
If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.