KYC/AML Compliance Analyst
ABOUT THE ROLE
As a senior KYC/AML Analyst, you will be a member of our core compliance operations team. This role is designed for a high-performing individual contributor who wants to grow into a leadership position as our headcount expands.
You will manage the "high-complexity" end of our onboarding funnel, focusing on domestic and international entities (LatAm & Europe). You will balance manual, deep-dive investigations with the strategic task of building our EDD and QA/Testing frameworks.
WHAT YOU’LL DO
1. Global Onboarding & Transaction Monitoring
Cross-Border KYB: Lead the onboarding for a diverse range of domestic and international clients (Marketplaces, SMBs, Institutions).
Stablecoin Compliance: Support the rollout of our stablecoin transfer products by conducting blockchain-native due diligence.
Alert Triage: Manage transaction monitoring alerts within Sardine, identifying suspicious patterns in cross-border payment flows and fiat-to-crypto on/off-ramps.
On-Chain Analytics: Utilize TRM Labs to screen wallets, trace funds, and mitigate exposure to high-risk or sanctioned virtual asset service providers (VASPs).
2. Program Architecture & Scaling
KYC Reliance: Design the workflow to allow for "Reliance" on third-party KYC, significantly reducing friction for our users.
QA/Testing: Develop and own the "four-eyes" review process to ensure high standards of accuracy across all KYC files.
Process Improvement: Collaborate with the BSA/AML Officer to transition manual workflows into the automated Persona orchestration layer and add on AI bots to the flow.
3. Strategic Growth
Program Maturity: Contribute to the development of Third-Party Risk Management (TPRM) and formal Issue Management protocols.
QUALIFICATIONS
Experience: 5-7 years in AML/KYC, specifically within Fintech or Payments.
Regional Knowledge: Expertise in US, European (6AMLD), and LatAm (CNBV/BACEN-style) compliance requirements.
Tech Stack: Hands-on experience with Persona, Sardine, and TRM Labs (or similar on-chain tools like Chainalysis/Elliptic).
Crypto-Comfort: A baseline understanding of stablecoins and liquidity transfers.
The "Builder" Mindset: Demonstrated ability to create processes from scratch, not just follow existing ones.
A proactive work attitude and willingness to dive into details.
Relevant industry certifications such as CAMS, CFCS, CFE, CCI, or CRCM preferred.
ABOUT MODERN TREASURY
Modern Treasury is the operating system for Money Movement. Our suite of APIs move finance and product teams forward with faster payments, automatic reconciliation, and real-time financial data. Our tools automate the full cycle of money movement—from payment initiation through approvals, to reconciliation.
Modern Treasury is committed to equal employment opportunity and does not discriminate in any employment opportunities or practices based on an individual's race, color, creed, gender (including gender identity and gender expression), religion (all aspects of religious beliefs, observance or practice, including religious dress or grooming practices), marital status, registered domestic partner status, age, national origin or ancestry (including language use restrictions and possession of a driver’s license issued under California Vehicle Code section 12801.9), natural hair, physical or mental disability, political affiliation, medical condition (including cancer or a record or history of cancer, and genetic characteristics), sex (including pregnancy, childbirth, breastfeeding or related medical condition), genetic information, sexual orientation, military and veteran status or any other consideration made unlawful by federal, state, or local laws. It also prohibits unlawful discrimination based on the perception that anyone has any of those characteristics, or is associated with a person who has or is perceived as having any of those characteristics.
Modern Treasury participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.