Analyst - AML & KYC (High-Volume Transaction Monitoring)

About bluCognition

bluCognition is an AI-powered commercial credit intelligence company serving lenders and financial institutions. Our platform combines commercial credit data contributed by 150+ lenders with AI-driven analytics, banking data and fraud detection to help our clients make faster, better credit decisions. Our product suite includes bluSense, which converts bank statements into standardized, categorized transaction data with real-time financial insights, and FraudLens, which detects document tampering and first-party fraud. Alongside our data products, we run a managed services business supporting underwriting, fraud review, and KYC/KYB and sanctions screening operations for our clients, with teams across North America, Asia and Europe.

About the Role

The AML & Financial Crime Analyst is responsible for protecting the organization against financial crime risks by ensuring rigorous customer due diligence, transaction monitoring, fraud investigation, and strict regulatory compliance. This role demands a detail-oriented mindset, strong analytical and investigative skills, and the ability to collaborate effectively across departments.

Key Responsibilities

• Conduct end-to-end KYC/KYB reviews for individuals or business entities, including Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Ultimate Beneficial Owner (UBO) verification, and PEP/Sanctions screening.
• Review and validate customer/business documents, ownership structures, financial records, and digital footprints to assess authenticity and risk.
• Investigate KYC-related fraud, including suspicious activities, impersonation, account takeovers, first-party fraud, and chargebacks.
• Perform background checks, adverse media screening, and risk assessments using internal/external databases and public sources.
• Identify and escalate compliance concerns, suspicious activities, and potential fraud risks to relevant Compliance, Risk, and Fraud teams.
• Maintain accurate investigation records and audit trails while collaborating with cross-functional teams and staying updated on AML/KYC regulations and sanctions requirements.

What we are looking for

• Bachelors degree in finance, Business, Law, or a related field.

• 2+ years of experience in KYC/KYB, AML Compliance, Fraud Investigations, Financial Crime Operations, or FinTech/Banking environments.

• Strong knowledge of KYC/KYB processes, CDD, EDD, UBO verification, PEP screening, sanctions screening, and AML regulations.

• Excellent analytical, investigative, documentation, and risk assessment skills with strong attention to detail.

• Strong written and verbal communication skills with the ability to engage customers and cross-functional stakeholders.

Educational Qualifications

• Bachelors Degree in related fields like accounting, economics, business management, statistics, etc.