CDD Operations Analyst

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 a CDD Operations Analyst within the Client Due Diligence Operations team, you will protect LemFi and its customers from financial crime while balancing regulatory obligations with customer experience in a fast-growing fintech environment. Reporting to the Financial Crime Operations or Customer Due Diligence (CDD) Manager, you will operate at the core of day-to-day compliance decision-making.

Your responsibilities include reviewing alerts, assessing customer risk, performing due diligence, and responding to partner and customer compliance requests. You will contribute directly to maintaining strong AML (Anti-Money Laundering) and CFT (Counter-Financing of Terrorism) controls while supporting LemFi’s mission to deliver accessible and trustworthy financial services at scale.

What You’ll Build and Own

• Review & Decide: Assess transaction monitoring, customer verification, and sanctions screening alerts, making accurate and 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 (Request for Information) requests from payments and banking partners in line with agreed SLAs (Service Level Agreements).
• 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

• Risk Minded: Apply sound judgment when assessing customer and transaction risk, balancing control with customer impact.
• Detail Oriented: Spot inconsistencies and red flags that others may miss, ensuring high-quality case outcomes and notes.
• Ownership Driven: Take responsibility for your 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

• 1-3 years of AML and/or CDD compliance experience within a fintech, financial institution, or advisory/audit company.
• Hands-on experience with KYC (Know Your Customer) 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.