Senior Compliance Operations Analyst, Solutions By Text

• Experience in banking, fintech or payments operations
• Familiarity with key AML regulations and frameworks (eg., BSA/AML, USA PATRIOT Act, FinCEN SAR requirements, OFAC screening principles, and beneficial ownership rules
• Exposure to transaction monitoring workflows, alert handling, and/or SAR referral processes
• Experience with screening and research tools (eg., World-Check, Dow Jones, Lexis-Nexis) and case systems
• Strong team player with well-developed interpersonal skills
• Ability to communicate effectively across multiple departments
• Strong investigative mindset
• Excellent verbal and written communication
• High attention to detail; comfortable working SLA-driven queues
• Flexible and adaptable, with the ability to manage multiple priorities

Desirable

• The Compliance Operations Analyst supports the firm’s Anti-Money Laundering (AML) and Know Your Customer (KYC) program by executing customer due diligence (CDD), enhanced due diligence (EDD), ongoing monitoring activities, and other compliance-related tasks for both our payments and our messaging products
• This role is responsible for collecting and validating customer information, assessing risk, identifying red flags, documenting findings, and escalating potential issues in accordance with internal policies, regulatory requirements, and service-level expectations
• Perform KYC/KYB onboarding reviews for individuals and entities, including identity verification, beneficial ownership, and control person validation
• Collect, analyze, and validate documentation and data
• Conduct sanctions, watchlist, PEP, and adverse media screening
• Review application packages, corporate docs, licenses, and expected activity, and reconcile inconsistencies
• Perform EDD for higher risk customers
• Identify and document risk mitigants, conditions, and monitoring requirements
• Prepare concise case summaries, risk assessments, and recommendations for approvals/declines
• Triage, investigate, and disposition alerts with clear, evidence-based narratives; escalate cases per playbook and risk thresholds-based narratives
• Prepare SAR writeups and supporting documentation
• Resolve sanctions screening hits (OFAC, UN, EU, HMT) and PEP/adverse media alerts; apply positive reduction techniques
• Prepare sponsor bank Investigation Reports and supporting evidence packages within required timelines
• Coordinate sanctions controls (geo/IP screening, blocks/holds/freezes) and OFAC reporting workflows
• Conduct periodic KYC refresh (CDD/EDD), merchant risk reviews, and trigger-based reviews (e.g., sponsor bank inquiries, chargeback spikes)
• Monitor card-brand compliance thresholds and coordinate with Payments & Subra Compliance leadership on remediation
• Maintain thorough case audit trails within the case management system
• Escalate findings to Compliance leadership per procedures
• Meet SLAs, quality standards, and regulatory timelines
• Support internal/external audits, sponsor bank exams, and regulatory reviews
• Identify operational gaps and propose improvements to workflows and controls
• Maintain internal policy updates, typologies, and regulatory guidance relevant to AML/KYC and other payments and messaging compliance operations
• Adhere to the Company's Code of Conduct/Ethics
• Create and maintain effective working relationships with other Company
• Contribute to the professional culture within the office and the company
• Project a professional and appropriate Company image in all dealings with clients, vendors, business partners and visitors
• Ensure security of information in all matters pertaining to company, client, and consumer information