AML Ops Analyst at LemFi (Series B)

About the Role

LemFi is the financial engine for people the world wasn’t built to serve, processing remittances, multi-currency accounts, credit, savings, and eSIMs across more than 21 countries. Our Compliance Operations team ensures every transaction is trustworthy, enabling seamless access to financial products.

As an AML Ops Analyst, you will:

• Report to the Financial Crime Operations or Customer Due Diligence (CDD) Manager.
• Operate at the core of day-to-day compliance decision-making, balancing regulatory obligations with customer experience in a fast-growing fintech environment.

Your responsibilities include:

• Review & Decide: Assess transaction monitoring, customer verification, and sanctions screening alerts, making accurate, timely decisions.
• Investigate Risk: Perform enhanced due diligence on higher-risk customers and provide clear, well-reasoned recommendations to compliance leadership.
• Escalate Appropriately: Conduct first-level reviews of customers or transactions displaying red flags and escalate suspicious activity when required.
• Support Partners: Fulfill due diligence and RFI requests from payments and banking partners in line with agreed SLAs.
• Serve Customers: Respond to compliance-related customer tickets with clarity, professionalism, and empathy.
• Collaborate & Learn: Work cross-functionally and continuously build knowledge of emerging AML typologies, risks, and criminal trends.

Nice to Have

Ideal candidates exhibit:

• Risk Minded: Apply sound judgment when assessing customer and transaction risk, balancing control with customer impact.
• Detail Oriented: Spot inconsistencies and red flags, ensuring high-quality case outcomes and notes.
• Ownership Driven: Take responsibility for decisions and follow cases through to completion without constant oversight.
• Adaptable: Comfortable working in a fast-changing environment with evolving regulations and priorities.
• Use Data to Support Decisions: Review alert and case information to support accurate decision-making under guidance from senior team members.
• Collaborative: Work well with global teams and support shared outcomes over individual wins.

Your Experience

We seek candidates with:

• 1–3 years of AML and/or CDD compliance experience within a fintech, financial institution, or advisory/audit company.
• Hands-on experience with KYC reviews, ID verification, enhanced due diligence, sanctions, and transaction monitoring alerts.
• Ability to independently assess customer risk and make defensible decisions.
• Strong written and verbal communication skills in English.
• Proficiency in Microsoft Office or Google Sheets for case management and reporting.
• Excellent organizational skills with strong attention to detail.

The Interview Process

• Hiring Manager Interview (30 mins)
• Final interview (Technical and behavioral) with the Compliance Operations team (45 mins)