Onboarding Analyst

About the Position

Onboarding Analyst

Join BVNK as a Compliance Onboarding Analyst to manage KYC and due diligence for individual clients in a fast-paced fintech environment.

About the Company

BVNK is the stablecoin-powered financial stack for enterprises. We're now part of Mastercard, and together we're building a network for every form of money – one that delivers more reach, more capability, and more choice. Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, we deliver the infrastructure that makes new forms of money usable within the financial systems customers already rely on today.

Locations

• South Africa
• Bulgaria

Salary

€30.000 - €40.000 EUR

Responsibilities

• Manage the onboarding and due diligence process for the Company's Individual (Consumer) clients, ensuring adherence to best practices in KYC, compliance, and risk management.
• Oversee the end-to-end Individual (Consumer) customer application process, including the collection, review, and verification of all required documentation.
• Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), where required, in line with internal policies and regulatory requirements.
• Perform screening and due diligence checks, including Sanctions, Politically Exposed Persons (PEPs), and Adverse Media screening, investigating and resolving any potential matches or alerts.
• Conduct PEP risk assessments and make informed recommendations regarding escalations in accordance with internal policies and risk appetite.
• Ensure compliance with all applicable laws, regulations, internal policies, and industry best practices throughout the customer onboarding lifecycle.
• Make risk-based decisions on customer applications, determining when additional information, further investigation, or escalation is required, and follow through with appropriate actions.
• Maintain accurate and complete customer records, ensuring all KYC documentation is up to date and audit-ready.
• Identify and suggest improvements to onboarding processes to enhance efficiency, compliance, and customer experience.

Requirements

• Fluent in English, with excellent written and verbal communication skills.
• Minimum 2 years' experience in KYC onboarding within the payments, fintech, banking, or foreign exchange (FX) industry.
• Familiarity with customer onboarding requirements across multiple jurisdictions, particularly the EU and US.
• Strong understanding of KYC, AML, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) requirements for individual customers.
• Proven experience conducting customer screening, including Sanctions, Politically Exposed Persons (PEPs), and Adverse Media checks, with the ability to assess results and manage escalations appropriately.
• Strong analytical and investigative skills, with the ability to identify potential risks, make sound risk-based decisions, and escalate complex cases where required.
• Experience working within a regulated financial services environment and maintaining compliance with internal policies and applicable regulatory requirements.
• Hands-on experience using Sumsub or similar CRM/case management tools for customer onboarding and workflow management.
• Excellent attention to detail, organizational skills, and the ability to manage multiple onboarding cases simultaneously while maintaining high standards of accuracy and compliance.
• Ability to work effectively in a fast-paced, high-growth environment, managing competing priorities and meeting service level agreements (SLAs).

Nice to Have

• Experience supporting Know Your Business (KYB) onboarding, including reviewing business documentation, identifying Ultimate Beneficial Owners (UBOs), and understanding corporate ownership structures.

We Offer

• Fair and competitive salary at every stage of your growth
• Flexible working hours, with hybrid working at its heart
• A culture built on passionate growth-minded people
• A flexible approach to holiday
• Opportunities to travel to our offices around the world, in locations such as London and Cape Town, to collaborate with your colleagues
• An open and creative environment where you can help us define the future of BVNK, its culture, and its opportunity sets

At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team.

Compensation packages are based on candidate experience and relevant certifications.